When the topic is car insurance, the words cheap or affordable should not be used anywhere to describe car insurance rates. Forgive the oxymoron, but cheap auto insurance for a Honda Civic is not always easy to find. Don’t let that bother you, though, because we are going to show you how you can still get auto insurance that is easy on your budget.
Your chances of buying cheaper auto insurance for a Honda Civic in Arizona depends upon a complex formula that factors things such as your financial responsibility, your credit history, and physical damage deductibles. Arizona drivers on average pay around $1,190 annually to insure a Honda Civic, but that amount is using rating data for a 30-year-old married male that purchased full coverage including both comprehensive and collision and $100 policy deductibles.
When making auto insurance estimates, the issue arises that you may not be 30 years old (or even male), you might be single instead of married, or maybe you need higher liability limits than the state minimum. Having the smallest difference in policy rating factors can make a huge difference in the policy rate.
There is no one cookie-cutter policy that works for everyone, so your best shot at finding the cheapest rates for your Honda is to do your own rate comparisons. Quotes only take a few minutes and you will be able to see rates from some of the cheapest companies that sell coverage in Arizona.
The specific trim level has an effect on the cost of insurance, so the price you will be charged to insure a Civic DX 4-Dr Sedan trim level will be $418 less expensive the cost to insure the more costly Civic SI 2-Dr Coupe model, as shown in the chart below.
Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
---|---|---|---|---|---|---|---|
Civic DX 4-Dr Sedan | $224 | $466 | $300 | $18 | $90 | $1,098 | $92 |
Civic VP 4-Dr Sedan | $224 | $548 | $300 | $18 | $90 | $1,180 | $98 |
Civic LX 4-Dr Sedan | $224 | $548 | $300 | $18 | $90 | $1,180 | $98 |
Civic DX 2-Dr Coupe | $224 | $548 | $374 | $22 | $112 | $1,280 | $107 |
Civic EX 4-Dr Sedan | $224 | $548 | $300 | $18 | $90 | $1,180 | $98 |
Civic LX-S 4-Dr Sedan | $224 | $548 | $300 | $18 | $90 | $1,180 | $98 |
Civic LX 2-Dr Coupe | $224 | $632 | $374 | $22 | $112 | $1,364 | $114 |
Civic EX-L 4-Dr Sedan | $258 | $632 | $300 | $18 | $90 | $1,298 | $108 |
Civic SI 4-Dr Sedan | $258 | $632 | $300 | $18 | $90 | $1,298 | $108 |
Civic EX 2-Dr Coupe | $258 | $632 | $374 | $22 | $112 | $1,398 | $117 |
Civic GX 4-Dr Sedan | $258 | $632 | $300 | $18 | $90 | $1,298 | $108 |
Civic EX-L 2-Dr Coupe | $258 | $632 | $374 | $22 | $112 | $1,398 | $117 |
Civic Hybrid 4-Dr Sedan | $292 | $548 | $300 | $18 | $90 | $1,248 | $104 |
Civic SI 2-Dr Coupe | $292 | $716 | $374 | $22 | $112 | $1,516 | $126 |
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Price estimates do not factor in zip code location which can lower or raise insurance rates substantially.
Finding a good quality car insurance company is hard considering how many companies sell insurance in Arizona. The company information in the lists below may help you pick which car insurance companies to look at comparing prices from.
The rankings below include companies that insure vehicles nationwide, so companies that have a smaller presence are not factored into these rankings. To compare rates from these top-rated insurers and more, click this link.
Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
---|---|---|---|---|---|---|
USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
American Family | 98 | 89 | 100 | 86% | A | 95.4 |
State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
The General | 89 | 91 | 89 | 88% | A- | 90 |
Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
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Data Source: Insure.com Best Car Insurance Companies
Insurance providers that offer cheap insurance for a Honda Civic in Arizona could also offer discounts that may potentially lower prices by as much as 35% or more if you are eligible. Larger auto insurance companies and the discounts they provide are detailed below.
The example below illustrates the comparison of auto insurance rates with and without discounts applied. The data is based on a female driver, no claims or driving citations, Arizona state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows the price with no discounts. The second shows the rates with claim-free, vehicle safety, safe-driver, accident-free, homeowner, and passive restraint discounts applied. In this example, the the average amount saved on auto insurance for a Honda Civic is 28% or $525.
google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 2803,2019],[‘Age 30’, 1929,1399],[‘Age 40’, 1791,1297],[‘Age 50’, 1565,1135],[‘Age 60’, 1513,1099],[‘Age 70’, 1773,1277]]);var options = {title: ‘Insurance Rate Comparison for a Honda Civic’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Insurance Cost for a Honda Civic in Arizona’,minValue: 0,format: ‘$###,###’},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);}
When comparing rates for insurance for a Civic in Arizona, four companies to consider are Allstate, Geico, State Farm, and Progressive. They all have the same basic coverages, but each one has slightly different coverages and options that buyers can select from. The data below breaks down pricing and service ratings, as well as optional policy coverages offered by each company.
Allstate | Geico | State Farm | Progressive | |
---|---|---|---|---|
Claims Rank | 1st | 3rd | 2nd | 4th |
Policy Discounts | 1st | 2nd | 3rd | 4th |
Overall Satisfaction | 2nd | 1st | 4th | 3rd |
Overall Price | 4th | 1st | 2nd | 3rd |
Percent of customers who recommend | 86% | 87% | 88% | 88% |
New car replacement insurance | Yes | No | No | No |
Usage-based insurance | Yes | No | Yes | Yes |
Breakdown insurance | No | Yes | No | Yes |
Roadside assistance | Yes | Yes | Yes | Yes |
Coverage for Uber and Lyft drivers | Yes | Yes | Yes | Yes |
Accident forgiveness | Yes | Yes | No | Yes |
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Here are some money-saving ideas that can help Arizona drivers get lower-cost coverage.
The final tip is certainly important, as we stressed in this piece. Prices can change in a short period of time, so you should be ready to change insurance companies if you find a cheaper price. Having a favorite company is great, but is isn’t recommended if that stubbornness costs you a fortune every year. Take a few minutes and shop around to find cheaper car insurance for a Honda Civic.
Drivers have a lot of ways to quote and buy auto insurance in Arizona, but the most prevalent methods are using an independent or non-exclusive agent, an exclusive insurance agency such as Auto-Owners or State Farm, or direct online or over the phone from a company like Progressive or Geico. They all have the same end result, but auto insurance shoppers should know the differences in how they provide price quotes.
Independent agents are appointed by several companies and can compare coverage rates with every one. Independent agents are not limited to a single company and can give you a larger rate selection, which may provide you with more bang for your buck. If premiums increase, it’s easy for the agent to move the policy and you don’t have to find a new agent.
An agent who is captive is only able to write business for one insurance company, a couple examples are State Farm and Allstate agents. They generally cannot compare other company’s rates, so they really need to provide good service.
The third way to buy auto insurance is direct which means you skip a local insurance agent and buy direct either online or via phone. Buying direct may be good for people who do not need advice for risk management and understand the limitations of auto insurance.
Which way works best to buy cheap insurance for a Honda Civic in Arizona? We’d like to say buying from a direct company saves the most money because you bypass the agent, but in reality, that argument does not hold true. We could also assume that an independent agent guarantees the cheapest rates because they can quote many companies, but that assumption is also not necessarily accurate. In the right set of circumstances, the exclusive agents may have very competitive prices that other auto insurance companies cannot touch.
Since auto insurance companies use so many rating factors, the best method to buy the cheapest coverage is to compare rate quotes from as many companies as possible. Industry experts recommend getting rate quotes from all three in order to have enough rates to compare. We compiled a list of companies with some of the cheapest online rates that you can click here to view.