Who Has the Cheapest Insurance Quotes for a Honda Civic in Maryland?

Since we’re writing about auto insurance, the word cheap should not be used as a descriptor for auto insurance rates. Excuse the oxymoron, but cheap auto insurance for a Honda Civic is pretty hard to find. But don’t despair, because there may be ways you can still find and buy coverage that most people can afford.

The odds of finding affordable auto insurance for a Honda Civic in Maryland depends on a large number of rating criteria such as how you use your Civic, if you are a frequent claim filer, and citations on your driving record. Drivers in Maryland pay on average $1,290 a year for Civic insurance, but that rate is an approximation that rates a 30-year-old married male driver that included full coverage including both comprehensive and collision and $500 policy deductibles.

There is a high probability that you are not 30 and maybe not even a male, maybe you are single instead of married, or possibly you just want cheap liability coverage. Each driver has unique rating factors, so your best chance at finding cheap insurance rates for your Honda is to shop around at every renewal for lower rates. Quotes only take a few minutes and you will receive price comparisons from some of the best companies available.

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The trim level of your vehicle will likely have an effect on the cost of insurance, so the price to insure a Civic DX 4-Dr Sedan trim level will be $432 cheaper than the cost to insure the higher-end Civic SI 2-Dr Coupe version, as shown in the prices below.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Maryland minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Estimates do not factor in garaging location in Maryland which can alter prices significantly.

Buying coverage from the right insurer is difficult considering how many companies there are to choose from in Maryland. The information shown below can help you analyze which auto insurers you want to consider purchasing a policy from.

The rankings below are only made up of companies that insure vehicles nationwide, so companies without a large exposure will not be included in this list. If you wish to compare rates from these companies and more, follow this link.

Impact of speeding/accidents on Maryland car insurance rates

The ideal way to snag the cheapest insurance for a Honda Civic in Maryland is to pay attention while driving and avoid at-fault accidents and violations. The information below illustrates how traffic citations and at-fault fender-benders raise car insurance rates for different ages of insureds. The prices are based on a single male driver, full physical damage coverage, $250 deductibles, and no discounts are applied.

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In the example above, the average cost of auto insurance in Maryland per year with a clean driving record and no accidents is $2,473. Receive one speeding ticket and the average cost jumps to $2,788, an increase of $316 each year. Then throw in one accident along with the one speeding ticket and the yearly cost of car insurance for a Honda Civic jumps again to an average of $3,678. That’s an increase of $1,205, or $100 per month, just for not paying attention while driving!

Last year’s bargain might be this year’s rip off

Maryland car insurance rates are influenced by many factors which can substantially decrease or increase the price of your policy. Improving your credit rating, having a teenage driver, or getting a couple of tickets may prompt premium changes that can make some companies affordable when they were higher priced. Not only may your risk profile change, but insurers file new rates multiple times each year in order to offset underwriting gains or losses. Heavier than normal losses may result in a rate increase, while a lower level of claims can cause cheaper Civic insurance rates.

To help illustrate this point, the bar chart below shows a variety of companies that have the cheapest car insurance in Maryland for a 45-year-old female driver with a clear driving record, no claims, and good financial standing. If we look at prices based on her current risk profile, USAA offers the best car insurance rates in Maryland at $958 annually. This is $601 less than the average rate paid by Maryland drivers of $1,559. Penn National, Liberty Mutual, Erie, and State Auto also make the list of the cheapest Maryland auto insurance companies.

google.charts.setOnLoadCallback(drawMDWitcqcibChart);function drawMDWitcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘USAA’, 958, ‘#0D6781’],[‘Penn National’, 1093, ‘#0A556B’],[‘Liberty Mutual’, 1125, ‘#084659’],[‘Erie’, 1149, ‘#063A4A’],[‘State Auto’, 1190, ‘#05303D’]]);var options = {title: ‘Best Car Insurance Rates for a Honda Civic’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1290,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwitc’));chart.draw(view, options);}

The example below compares rates after we give the driver from the above example a claim, less-than-perfect credit, and a traffic citation. Since each auto insurer has a unique formula to determing premium rates, analyzing rates may now result in a slightly different list of companies as shown below.

google.charts.setOnLoadCallback(drawMDWcqcibChart);function drawMDWcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘Nationwide’, 1516.9, ‘#FF8500’],[‘MetLife’, 1555.4, ‘#D46E00’],[‘GEICO’, 1570.8, ‘#B05B00’],[‘Travelers’, 1584, ‘#924B00’],[‘California Casualty’, 1681.9, ‘#793E00’]]);var options = {title: ‘Best Rates with Accidents and Violations’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 300,’chartArea’:{left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1781.9,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwc’));chart.draw(view, options);}

Nationwide now has the cheapest car insurance in Maryland with MetLife, GEICO, Travelers, and California Casualty also being competitive. This example illustrates why Maryland drivers need to spend some time comparing rates to find the most budget-friendly insurance quotes for a Honda Civic. Rates can be determined by many factors and can decrease or increase without notice, so the cheapest company the last time you checked may now be costing you a lot of money.

Who has the cheapest Honda Civic insurance quotes?

You have a lot of ways to quote cheap car insurance rates in Maryland, but the most preferred are through a captive (or exclusive) agent like Liberty Mutual or Allstate, an independent agent, or direct from companies such as Geico or Progressive. Each way is similar, but they differ in how they price policies.

Independent insurance agencies have contracts with multiple insurance companies and can get rate quotes from all of them. Independent agents can sell policies from many different companies and can give you a larger rate selection, which can help you get a better comparison. If they find a cheaper price, your agent can just switch to a different company and the insured can keep the same agent.

An exclusive ageny is usually restricted to just one company, a couple examples are a State Farm or Liberty Mutual agent. These agents are unable to compare rates from other companies, so it’s a good idea to get additional price quotes.

Buying from a direct company means forego local insurance agents and instead shop from a direct company like Esurance. Buying direct is a good choice for people who have lower risk management needs and have a good understanding of what car insurance covers.

So out of those three methods, which one works best to buy the cheapest insurance for a Honda Civic in Maryland? Most people would assume that shopping direct saves money since there isn’t an agent involved, but that generally is not the case. A good argument could also be made that an independent agency is the best way to go because they can shop around, but that is not necessarily true either. And sometimes, the exclusive agents have very competitive rates well below independent agents AND direct companies.

Because there are so many factors that make up car insurance rates, really the best method to get rock-bottom rates is to compare lots of quotes. It takes a little work, but we recommend you get quotes from all three to get a good idea who is cheapest. For a list of car insurance companies with low rates, click here to view.

How to find the cheapest insurance for a Honda Civic in Maryland

It is possible to find better rates, and here are many money-saving suggestions that can help Maryland drivers locate cheap coverage.

• Be a cautious driver
• Avoid at-fault accidents and claims
• Buying home and auto together can help save money
• Buy safe vehicles
• Having too many claims will increase rates substantially
• Shop around once a year for cheaper rates

The last idea is very important, as we hit on in the prior article. Rates go up and down frequently, so don’t be hesitant to buy a policy from a new company if a cheaper price is available.

Brand loyalty is not necessarily bad, but it isn’t a good idea if that loyalty ends up costing thousands of dollars over the life of your policy. If you have a few minutes, shop around and find cheaper auto insurance for a Honda Civic.