Cheapest Insurance for a Honda Civic in Colorado

Our editors keep telling us that when writing about car insurance, the word cheap should never appear anywhere to describe car insurance rates. Forgive the oxymoron, but cheap auto insurance for a Honda Civic can be difficult to find. Don’t let that spoil your day, because we are going to show you some ways you can find and buy car insurance that is easier on your budget.

Your chances of finding cheaper car insurance for a Honda Civic in Colorado is contingent on many factors like the safety rating for your Civic, your occupation, and any past driving violations you may have had. Drivers pay an average of $1,750 per year to buy Honda Civic insurance, but that is an approximation using rate data for a 30-year-old single female that included both comprehensive and collision coverage and $100 policy deductibles.

The issue that arises when projecting rates is that it’s very likely that you are not exactly 30 years old and possibly not even female, possibly married instead of single, or maybe you’ve had an at-fault accident or two. What people think is a minor change in the factors used in pricing a policy can cause big changes in how much insurance for a Honda Civic costs.

Having different needs demonstrates why the only real way to find cheap car insurance rates for your Honda is to start the habit of comparing rates at least once a year.

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The trim level of your vehicle tends to have a direct impact on the insurance rate, so the price you will pay to insure a Civic DX 4-Dr Sedan model will be $606 less than the price to insure the higher-priced Civic SI 2-Dr Coupe trim level, as shown by the rates below.

Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Price estimates do not factor in garaging location in Colorado which can lower or raise premiums considerably.

Deciding which companies have the lowest-priced auto insurance rates for a Honda Civic may require a bit more work in order to find the best policy.

Every auto insurer used slightly different criteria for setting prices, so let’s rank the most competitive auto insurance companies in Colorado.

Best Auto Insurance Prices for Your Honda

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The Hartford generally has some of the most affordable car insurance rates in Colorado at around $825 annually. Grange, USAA, GEICO, and Nationwide would also be considered some of the cheapest Colorado insurance companies.

In the above rates, if you are currently insured with Nationwide and switched to Grange, you could realize a yearly savings of roughly $177. Policyholders with Auto-Owners might save as much as $190 a year, and State Farm insureds might lower prices by $231 a year.

It’s important to note that these policy rates are averages for all types of drivers and the different vehicles they drive and and are not figured with a specific rate value for a Honda Civic. So the auto insurance company that is most affordable for your situation may not even be included in the chart above. That points out the importance of why you need to get quotes using your own driver information and specific vehicle type.

The example below shows how choosing a deductible can increase or decrease premium costs when searching for cheap insurance for a Honda Civic. The data is based on a single male driver, full physical damage coverage, and no additional discounts are factored in.

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As shown above, a 50-year-old driver could save $428 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $636 by using a $1,000 deductible. Youthful drivers, such as the 20-year-old example, could lower their rates as much as $1,440 or even more by using a higher deductible. If you do raise deductibles, it is important to have plenty of discretionary funds to enable you to cover the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.

Geico, Allstate, State Farm, and Progressive: Who is best?

If you are shopping around for insurance for a Civic in Colorado, some of the largest companies to start with are Geico, Allstate, State Farm, and Progressive. The next table ranks ratings and policy coverage options that are available for buyers.