Who Has Cheap Insurance for a Honda Civic in Montana?

The chances of buying the best cheap insurance for a Honda Civic in Montana is contingent on a complex formula that factors things like whether or not you are married, your current insurance company, and any driving offenses on your record. Drivers pay on average $2,380 a year for Civic insurance, but that figure is that uses a 50-year-old single male driver with full coverage and $100 policy deductibles.

This brings up the issue that more than likely you may not be 50 years old (or even male), you might be married instead of single, or you need different physical damage deductibles. Auto insurance requires individual risk assessment, so the only real way to find cheap insurance rates for your Honda is to shop around at every renewal for lower rates. It only takes a couple of minutes and you will get price quotes from the best companies that insure Honda vehicles in Montana.

Click Here to Start Your Quote

The trim level of your Civic will have an impact the yearly cost, so the price you will pay to insure a Civic DX 4-Dr Sedan trim level will be $830 lower than the insurance cost for the higher-end Civic SI 2-Dr Coupe version, as shown below.

Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Montana minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Prices do not factor in specific location which can impact insurance rates substantially.

Shopping around for low-priced car insurance is easier said than done, and determining which companies quote the most affordable auto insurance rates for a Honda Civic will involve even more perseverance. Every insurance provider uses slightly different criteria to set policy rates, so let’s take a look at the auto insurance companies with the most affordable rates in Montana.

We do need to point out that Montana auto insurance rates are impacted by many factors which can substantially change the price you pay. Taking a driver safety course, filing a claim, or having an at-fault accident can cause premium changes resulting in some rates now being more expensive than others.

Find the Best Cheap Insurance for Your Honda

Start Your Free Quote

Safeco may have some of the most affordable car insurance rates in Montana at around $853 a year. Progressive, USAA, State Farm, and MetLife would also be considered some of the most economical Montana insurance companies.

As shown in the table above, if you have coverage with USAA and switched to Safeco, you may realize an annual savings of in the neighborhood of $171. Insureds with State Farm might save as much as $205 a year, and MetLife insureds might reduce rates by $333 a year.

It’s important to note that these premium estimates are averages for all types of drivers and the different vehicles they drive and and are not figured with a specific rate factor for a Honda Civic. So the auto insurance company that is best for you may not even be featured in the above rate chart. That’s why you need to quote rates from many companies using your own personalized driver profile and vehicle information.

How violations and accidents impact rates

The recommended way to snag cheap insurance for a Honda Civic in Montana is to be a careful driver and avoid accidents and violations. The information below shows how speeding tickets and accidents can increase car insurance rates for different age categories. The rate quotes are based on a single male driver, full coverage, $500 deductibles, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 5419,5825,6961],[‘Age 30’, 2803,3211,4349],[‘Age 40’, 2755,3161,4301],[‘Age 50’, 2513,2923,4063],[‘Age 60’, 2439,2843,3985],[‘Age 70’, 3019,3425,4565]]);var options = {title: ‘Effect of Violations and Accidents on Montana Honda Civic Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Honda Civic in Montana’,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);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the previous example, the average cost of auto insurance in Montana per year with a clean driving record and no accidents is $3,158. Get one speeding ticket and the average cost surges to $3,565, an increase of $407 each year. Now add in one accident along with the one speeding ticket and the annual cost of auto insurance for a Honda Civic increases to an average of $4,704. That’s an increase of $1,546, or $129 per month, just for being a little careless behind the wheel!

The information below demonstrates how deductible levels can affect premium costs when getting quotes for cheap insurance for a Honda Civic. The data is based on a married male driver, full coverage, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 6761,6097,5381,4703],[‘Age 30’, 3493,3149,2765,2397],[‘Age 40’, 3335,3019,2665,2329],[‘Age 50’, 3051,2765,2445,2141],[‘Age 60’, 3005,2721,2405,2107],[‘Age 70’, 3451,3137,2795,2475]]);var options = {title: ‘Deductible Levels and Honda Civic Insurance Rates in Montana’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Honda Civic’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

A 30-year-old driver could lower their car insurance rates by $670 a year by switching from a $100 deductible to a $500 deductible, or save $1,006 by selecting a $1,000 deductible. Younger drivers, such as the Age 20 example, could reduce their rates as much as $2,058 each year by choosing larger deductibles on their policy. If you make the decision to raise deductibles, it is essential to have enough in a savings account to enable you to pay the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

Is the best company Progressive, State Farm, Allstate, or Geico?

When buying auto insurance, four companies to definitely compare rates with are Progressive, State Farm, Allstate, and Geico. When combined, they make up nearly half of the car insurance market in the United States. All of them offer physical damage and liability coverage, but each has unique features and discounts that drivers can select from. The next table compares price and claims rank as well as some different options shoppers can find with each company.