Cheapest Insurance Quotes for a Honda Civic in Rhode Island
When we talk about auto insurance, the words “affordable” or “cheap” really should not be used as a descriptor for auto insurance rates. It’s just reality that cheap auto insurance for a Honda Civic is not easy to find. But don’t let that discourage you, because we will tell you how you can find and buy coverage that is cheaper than your current rate.
The likelihood of finding cheaper coverage for a Honda Civic in Rhode Island is contingent on a whole bunch of factors such as whether you are married or single, if you have ever let your coverage lapse, and your motor vehicle report. Drivers in Rhode Island will pay on average $1,120 per year to insure a Civic, but that amount is a valuation using cost data for a 30-year-old married female driver that includes full comprehensive and collision coverage and $1,000 deductibles.
There is a very good chance that you’re not a 30-year-old female, maybe you are single instead of married, and maybe your Civic is older and does not require full coverage. Just a slight change in rating variables can make a huge difference in the cost of a policy.
Different coverage needs are the reason why the way we recommend to find affordable rates for your Honda is to make a habit of regularly comparing rates from other companies. Compare rate quotes now and you will be able to compare rates from some of the most affordable companies available.
The specific model of Civic will likely have an effect on the cost of coverage, so the rate you will pay to insure a Civic DX 4-Dr Sedan will be $362 less than the insurance cost for the more well-appointed Civic SI 2-Dr Coupe model, as shown in the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $164 | $326 | $414 | $24 | $124 | $1,052 | $88 |
| Civic VP 4-Dr Sedan | $164 | $384 | $414 | $24 | $124 | $1,110 | $93 |
| Civic LX 4-Dr Sedan | $164 | $384 | $414 | $24 | $124 | $1,110 | $93 |
| Civic DX 2-Dr Coupe | $164 | $384 | $518 | $30 | $154 | $1,250 | $104 |
| Civic EX 4-Dr Sedan | $164 | $384 | $414 | $24 | $124 | $1,110 | $93 |
| Civic LX-S 4-Dr Sedan | $164 | $384 | $414 | $24 | $124 | $1,110 | $93 |
| Civic LX 2-Dr Coupe | $164 | $442 | $518 | $30 | $154 | $1,308 | $109 |
| Civic EX-L 4-Dr Sedan | $188 | $442 | $414 | $24 | $124 | $1,192 | $99 |
| Civic SI 4-Dr Sedan | $188 | $442 | $414 | $24 | $124 | $1,192 | $99 |
| Civic EX 2-Dr Coupe | $188 | $442 | $518 | $30 | $154 | $1,332 | $111 |
| Civic GX 4-Dr Sedan | $188 | $442 | $414 | $24 | $124 | $1,192 | $99 |
| Civic EX-L 2-Dr Coupe | $188 | $442 | $518 | $30 | $154 | $1,332 | $111 |
| Civic Hybrid 4-Dr Sedan | $212 | $384 | $414 | $24 | $124 | $1,158 | $97 |
| Civic SI 2-Dr Coupe | $212 | $500 | $518 | $30 | $154 | $1,414 | $118 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Rhode Island minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Rate information does not factor in vehicle location which can increase or decrease price quotes greatly.
Finding good, budget insurance is not the easiest thing to do, and finding out which insurers offer the cheapest insurance rates for a Honda Civic will involve even more shopping around. Each auto insurer has a different formula for determining prices, so let’s rank the most competitive insurance companies in Rhode Island.
It’s important to understand that Rhode Island insurance rates are impacted by many factors that control the cost of your policy. Taking a driver safety course, having a teenage driver, or getting caught speeding can trigger changes in premium resulting in some rates now being higher when they were quite affordable.
Best Cheap Insurance Rates for Your Honda
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $705 |
| 2 | State Farm | $1,128 |
| 3 | Travelers | $1,246 |
| 4 | Amica | $1,512 |
| 5 | Progressive | $1,544 |
| 6 | Quincy Mutual | $1,579 |
| 7 | Peerless | $1,715 |
| 8 | National Grange Mutual | $2,052 |
| 9 | GEICO | $2,419 |
| 10 | MetLife | $2,554 |
| 11 | Nationwide | $2,707 |
| 12 | Encompass | $2,987 |
| 13 | Liberty Mutual | $3,043 |
| 14 | California Casualty | $3,057 |
| 15 | Allstate | $3,151 |
| Find Cheaper Rates Go | ||
USAA normally has some of the most affordable car insurance rates in Rhode Island at around $705 a year. State Farm, Travelers, Amica, and Progressive also rank well as some of the most economical Rhode Island car insurance companies.
In the above example, if you currently have coverage with State Farm and switched to USAA, you may realize a yearly price reduction of in the neighborhood of $423. Drivers with Travelers may save as much as $541 a year, and Amica insureds might realize rate reductions of up to $807 a year.
To discover how much you can save, click here to start a quote or click several companies below for low rates.
Be aware that those premiums are averaged for all insureds and vehicles and do not factor in a specific rating modification for a Honda Civic. So the car insurance company that fits your situation best may not even be in the list of companies above. That affirms the importance of why you need to get quotes using your own driver data and vehicle information.
Types of discounts on Rhode Island car insurance rates
Insurers that provide the cheapest insurance for a Honda Civic in Rhode Island may provide special discounts that may potentially lower prices by 35% or more if you qualify for them. Companies and a selection of discounts can be read below.
| Discount | State Farm | Progressive | Allstate | Geico | Farmers | Liberty Mutual | Nationwide |
|---|---|---|---|---|---|---|---|
| Multiple policies | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Multi-vehicle | Yes | Yes | No | Yes | Yes | Yes | Yes |
| Theft prevention | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Safe vehicle | Yes | No | Yes | Yes | No | Yes | No |
| Passive restraint | Yes | No | Yes | Yes | Yes | Yes | Yes |
| Daytime running lights | Yes | No | No | Yes | Yes | No | No |
| Newer vehicle | Yes | No | Yes | No | Yes | No | Yes |
| Safe driver | Yes | Yes | Yes | Yes | Yes | No | Yes |
| Defensive driver training | Yes | Yes | Yes | Yes | Yes | No | Yes |
| Military | Yes | Yes | No | Yes | Yes | No | No |
| Professional affiliation | No | No | No | Yes | Yes | Yes | Yes |
| Paid in full | No | Yes | Yes | Yes | Yes | Yes | Yes |
| Email statements | No | Yes | Yes | Yes | Yes | Yes | Yes |
| Brand loyalty | Yes | Yes | No | No | Yes | No | Yes |
| Good grades | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Student away from home | Yes | Yes | Yes | No | Yes | Yes | Yes |
| Own home | No | Yes | No | No | Yes | No | No |
| Seat belt use | No | No | No | Yes | No | No | No |
| Quote online | No | Yes | No | No | No | No | No |
| Compare Prices Go | |||||||
The chart below shows the difference between insurance rates with and without some available policy discounts. The premium estimates are based on a female driver, a clean driving record, no claims, Rhode Island state minimum liability limits, full physical damage coverage, and $250 deductibles.
The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with multiple policy, marriage, accident-free, defensive driving course, vehicle safety, and homeowner discounts applied. When drivers qualify for the discounts, the the average amount saved on insurance for a Honda Civic is 13% or $298.
google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 3725,2673],[‘Age 30’, 2545,1839],[‘Age 40’, 2363,1709],[‘Age 50’, 2067,1493],[‘Age 60’, 2001,1445],[‘Age 70’, 2347,1689]]);var options = {title: ‘Effect of Discounts on Insurance Rates for a Honda Civic’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Insurance Cost for a Honda Civic’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}
How to find low-cost auto insurance for a Honda Civic
It is possible to find better rates, and here are some penny-pinching suggestions that can help Rhode Island drivers locate lower-cost coverage.
- Good credit can help you save money
- Serious violations like DUI or careless driving can make car insurance unaffordable
- At-fault accidents can raise rates significantly
- Higher comprehensive and collision coverage deductibles will save money
- Safe vehicles generally have lower rates
- Ensure you have the best deal by shopping around regularly
The final tip is highly vital, as was noted in the prior article. Prices can change considerably in a year, so you should be ready to switch carriers if a more affordable price is available.
Many drivers prefer to stick with one company, but we do not recommend it if that loyalty results in overpaying a fortune every year. It takes less than five minutes to shop around to find cheaper auto insurance for a Honda Civic.
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