Cheapest Insurance for a Honda Civic in Michigan

We always joke that when we write about car insurance, the words “affordable” or “cheap” shouldn’t be used anywhere to describe car insurance prices. Unfortunately, cheap auto insurance for a Honda Civic is just plain contradictory. Don’t let that spoil your day, because we will teach you how you can still find and buy insurance that won’t break the bank.

The odds of finding cheaper insurance for a Honda Civic in Michigan depends on a lot of rating criteria such as your vehicle’s safety rating, whether you have good credit, and if your driving record shows any at-fault accidents. Drivers in Michigan pay an average rate of $2,190 a year for Civic insurance, but that policy rate is a projection based on rate data for a 30-year-old married female who needs full comprehensive and collision coverage and $500 physical damage deductibles.

There is a good probability you aren’t exactly 30 years old or even a female, single instead of married, or you just prefer to insure for liability only. Even a very minor difference in rating variables could end up in a significant change in the cost of a policy.

Not every driver requires the same auto insurance coverages, so your best shot at finding cheap auto insurance rates for your Honda is to quote often and with as many companies as possible.

View Honda Civic Insurance Rates

Vehicle trim level impacts the insurance rate, so the cost to insure a Civic DX 4-Dr Sedan trim level will cost $728 less than the price to insure the more well-appointed Civic SI 2-Dr Coupe version, as shown in the prices below.

Data variables include married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Michigan minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Table data does not factor in garaging location in Michigan which can modify insurance rates substantially.

Deciding which companies offer the best auto insurance rates for a Honda Civic will require a tad more effort in order to find the lowest price quote.

Each insurer has their own formula to determine rates, so we’ll go over the auto insurance companies with the most affordable rates in Michigan.

Best Car Insurance Prices for Your Honda

Get a Free Quote and Save

USAA has some of the best car insurance rates in Michigan at around $949 a year. GEICO, Safeco, MetLife, and Chubb also make the cut as some of the lowest-priced Michigan car insurance companies.

In this example, if you are currently insured with MetLife and switched to USAA, you could realize an annual savings of about $375. Michigan drivers with Chubb might save as much as $437 a year, and Pioneer State Mutual insureds might reduce prices by as much as $495 a year.

To find the cheapest insurance for a Honda Civic in Michigan, click here to begin a quote or quote prices from the following companies.

Be aware that those prices are averaged for all ages of drivers and types of vehicles and and are not figured with a specific rate factor for a Honda Civic. So the insurer that can offer the best rates for your situation may not even be featured in the chart above. That underscores the importance of why you need to get quotes using your own driver and vehicle profiles.

The example below highlights how deductible choice can change insurance premiums when getting quotes for cheap insurance for a Honda Civic. The rates are based on a single female driver, comp and collision included, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 8847,8065,7225,6433],[‘Age 30’, 6067,5507,4885,4297],[‘Age 40’, 5621,5115,4551,4019],[‘Age 50’, 4907,4465,3973,3507],[‘Age 60’, 4753,4323,3851,3401],[‘Age 70’, 5569,5077,4543,4043]]);var options = {title: ‘Deductibles and Honda Civic Insurance Rates in Michigan’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Honda Civic’,minValue: 0,format: ‘$###,###’},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);}

In the chart above, a 40-year-old driver could lower their policy premium by $934 a year by switching from a $100 deductible to a $500 deductible, or save $1,400 by using a $1,000 deductible. Youthful drivers, such as the 20-year-old example, could save $2,414 or more just by choosing higher deductibles. When raising deductibles, it will be important to have enough in a savings account to pay the extra out-of-pocket expense that is associated with using high deductibles.

Get discounts on Michigan car insurance

Insurance companies that sell the cheapest insurance for a Honda Civic in Michigan may also provide rate discounts that may potentially lower prices by as much as 30% if you are eligible for them. A few popular companies and their possible discounts are detailed below.

• GEICO has discounts for anti-lock brakes, multi-vehicle, daytime running lights, seat belt use, federal employee, and anti-theft.
• Travelers offers discounts including hybrid/electric vehicle, student away at school, new car, good student, save driver, and early quote.
• Nationwide may have discounts that include defensive driving, Farm Bureau membership, accident-free, multi-policy, easy pay, good student, and anti-theft.
• Farmers Insurance discounts include business and professional, switch companies, bundle discounts, multi-car, homeowner, pay in full, and early shopping.
• Esurance may offer discounts for multi-policy, anti-lock brakes, claim free, defensive driver, and paid-in-full.
• State Farm has savings for driver’s education, multiple policy, anti-theft, good student, and student away at school.
• Progressive offers premium reductions for multi-vehicle, online quote discount, multi-policy, homeowner, continuous coverage, and online signing.
• Mercury Insurance includes discounts for professional/association, anti-theft, accident-free, location of vehicle, type of vehicle, and multi-car.

The chart below shows the difference between auto insurance rates with and without discounts. The price estimates are based on a female driver, no driving violations, no at-fault accidents, Michigan state minimum liability limits, full physical damage coverage, and $500 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second shows the rates with safe-driver, claim-free, multiple vehicle, defensive driving course, homeowner, and vehicle safety discounts applied. When drivers take advantage of discounts, the the average yearly reduction on auto insurance for a Honda Civic is 28% or $1,144.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 6083,4361],[‘Age 30’, 4135,2985],[‘Age 40’, 3847,2773],[‘Age 50’, 3359,2423],[‘Age 60’, 3249,2343],[‘Age 70’, 3827,2751]]);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 in Michigan’,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);}

Allstate, Progressive, Geico, and State Farm: Who is cheapest?

If you want reliable insurance for a Civic in Michigan, four of the best places to start are Allstate, Progressive, Geico, and State Farm. If you put them all together, they insure about half of all car insurance policies in America. They all offer your standard coverages, but each one has a little bit different set of discounts and options that may influence which company you choose. The data below shows some of the different features you can expect with each one.