Cheapest Insurance Quotes for a Honda Civic in Massachusetts

Our editors always tell us that when writing about car insurance, the word “cheap” really shouldn’t be used as a descriptor for car insurance rates. Notwithstanding, cheap auto insurance for a Honda Civic is pretty hard to find. Don’t let that bother you, though, because there may be ways you can find and buy car insurance that is cheaper than your current policy.

The chances of buying the best cheap insurance for a Honda Civic in Massachusetts relies on a calculation that uses factors like how you use your Civic, your profession, and physical damage deductibles. Massachusetts drivers pay an average rate of $1,060 each year to buy Honda Civic insurance, but that is a valuation based upon a 50-year-old married male with full coverage including both comprehensive and collision and $250 physical damage deductibles.

It’s highly likely that you are not 50 years old and maybe not even male, you might be single instead of married, and you want different coverage limits than the example. Different coverage needs are the reason why the only real way to find the cheapest coverage for your Honda is to make a habit of regularly comparing rates from other companies. In just a couple of minutes you will get price quotes from some of the best companies that offer coverage in Massachusetts.

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The specific model of Civic will influence price, so the rate you will pay to insure a Civic DX 4-Dr Sedan trim level will be $362 cheaper than the price to insure the higher-priced Civic SI 2-Dr Coupe version, as shown in the table below.

Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Massachusetts minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Prices do not factor in specific garaging location which can modify coverage rates greatly.

Deciding which company offers the lowest-priced insurance rates for a Honda Civic will involve a little more effort in order to find a policy that fits your budget. Each insurer has a unique approach for determining prices, so we need to take a look at the lowest cost insurance companies in Massachusetts.

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State Farm offers some of the lowest car insurance rates in Massachusetts at around $741 each year. National Grange Mutual, GEICO, Commerce Group, and OneBeacon also qualify as some of the cheaper Massachusetts car insurance companies.

As the example above demonstrates, if you are insured with Commerce Group and switched to National Grange Mutual, you might achieve a yearly price reduction of approxmiately $77. Insureds with OneBeacon might save as much as $78 a year, and Progressive customers might reduce prices by as much as $222 a year.

If you want to find out if you’re overpaying, click here to begin a quote or visit any of the companies below.

Be aware that those policy rates are averaged for all insureds and vehicles and are not factoring in a specific rate value for a Honda Civic. So the auto insurance company that is best suited for you may not even be included in the above rate chart. That emphasizes why you need to get car insurance quotes using your own specific driver information and vehicle.

The diagram below illustrates how your choice of deductibles can influence insurance prices when researching cheap insurance for a Honda Civic. The costs are based on a married female driver, comp and collision included, and no discounts are taken into consideration.

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The data above shows that a 50-year-old driver could pocket $390 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $584 by selecting a $1,000 deductible. Young drivers, like the 20-year-old example, could reduce their rates as much as $958 every year by choosing a higher deductible. When increasing deductibles, it is important to have plenty of money set aside to enable you to cover the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.

How to get discounts on Massachusetts auto insurance

Insurance companies that offer the cheapest insurance for a Honda Civic in Massachusetts may have price discounts that may potentially lower prices by as much as 35% or more if you are eligible. Companies and their offered discounts are included below.

The diagram below shows the comparison of premium costs with and without discounts being applied to the rates. Data assumes a female driver, a clean driving record, no claims, Massachusetts state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with multiple vehicle, vehicle safety, defensive driving course, anti-theft, marriage, and homeowner discounts applied. When these discounts are applied, the the average amount saved on insurance for a Honda Civic is 33% or $1,752.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 2465,1765],[‘Age 30’, 1647,1189],[‘Age 40’, 1543,1113],[‘Age 50’, 1351,975],[‘Age 60’, 1309,945],[‘Age 70’, 1553,1117]]);var options = {title: ‘Effect of Discounts on Insurance Price 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’,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);}

Who is cheaper: Allstate, State Farm, Progressive, or Geico?

When comparing insurance for a Civic in Massachusetts, the first places to look would be Allstate, State Farm, Progressive, and Geico. When added together, they make up almost half of the entire U.S. car insurance market. The table below compares pricing and service ratings, plus some optional coverages you can buy with each company.