Cheap Insurance for a Honda Civic in Tennessee

Whenever people write about car insurance, the word cheap should not be used anywhere in the article to describe car insurance rates. Notwithstanding, cheap car insurance for a Honda Civic does not exist. Don’t let that spoil your day, because we will teach you how you can still get insurance that most people can afford.

The chances that you’ll find cheaper auto insurance for a Honda Civic in Tennessee depends on a lot of rating factors such as the safety rating of your vehicle, whether you are claim-free, and any prior driving offenses you have. Drivers in Tennessee pay an average rate of $800 a year to insure their Civic, but that policy rate is an estimate using rating data for a 30-year-old married male who requires comprehensive and collision coverage and $1,000 physical damage deductibles.

When estimating a car insurance rate like we just did, the issue is that you may not be 30 years old (or even male), you might be single instead of married, or you just prefer to insure for liability only. Having the smallest difference in the factors used in pricing a policy can lead to a big change in the cost of insurance for a Honda Civic.

Every policy is rated specifically for the driver, so the only real way to find the most affordable coverage for your Honda is to comparison shop your policy at every renewal or at least every couple of years. Quotes only take a couple of minutes and you can get rates from the best auto insurance companies that sell coverage in Tennessee.

Compare Honda Civic Insurance Rates

Your vehicle’s trim level tends to have a direct effect on the yearly cost, so the price to insure a Civic DX 4-Dr Sedan will cost $260 less than the insurance cost for the more expensive Civic SI 2-Dr Coupe version, as demonstrated by the prices below.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Tennessee minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Price information does not factor in the specific area where the vehicle is garaged which can decrease or increase premiums greatly.

Best insurance in Tennessee

Selecting the top insurance provider can be rather challenging considering how many different companies sell coverage in Tennessee. The company ratings shown next may help you decide which car insurance providers to look at shopping prices with.

The ratings below are only made up of companies that write coverage in many states, so companies without a large exposure are not included in these rankings. If you would like to check rates from these top-rated insurers and more, click here.

Top 10 Large Auto Insurers Overall in Tennessee

1. Travelers
2. USAA
3. AAA Insurance
4. Nationwide
5. Allstate
6. State Farm
7. The Hartford
8. Safeco Insurance
9. Progressive
10. American Family

Top 10 Large Auto Insurers in Tennessee Ranked by Customer Service

1. USAA
2. Travelers
3. AAA Insurance
4. Nationwide
5. Safeco Insurance
6. Progressive
7. State Farm
8. The Hartford
9. The General
10. Esurance

Top Companies for Honda Civic Insurance in Tennessee

The chart below highlights how deductible selection can change insurance premiums when getting quotes for cheap insurance for a Honda Civic. The premium estimates are based on a single female driver, comprehensive and collision coverage, and no other discounts are factored in.

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A 40-year-old driver could reduce rates by $302 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $452 by using a $1,000 deductible. Even younger drivers, like the 20-year-old example, have the ability to save $774 annually just by using higher deductibles. When increasing deductibles, it is a good idea to have additional funds squirreled away to pay the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.

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

If you’re looking for the best insurance for a Civic in Tennessee, four good companies to start with are State Farm, Allstate, Progressive, and Geico. They all offer your standard coverages, but each one has a unique set of features, discounts, and options that may influence which company you choose. The next table points out pricing and service ratings, plus some optional coverages that may be available in Tennessee.

How to find low-cost auto insurance for a Honda Civic

It is possible to find better rates, and here are some of the better money-saving solutions that can help Tennessee drivers locate lower-cost coverage.

• Save money by insuring older vehicles for liability only
• Speeding tickets and other violations increase rates
• Raise your physical damage coverage deductibles
• At-fault accidents can raise rates significantly
• Try to not file small claims
• Compare prices as often as possible

That last idea is incredibly necessary, as was pointed out in this write-up. Prices in Tennessee can be changed at any time, so don’t be hesitant to change to a new company if a more affordable rate is found. Having a favorite company is fine, but we do not recommend it if that devotedness results in you overpaying money that could be spent on other things. In just a few minutes you could compare prices and find cheaper auto insurance for a Honda Civic.