How Much are Insurance Quotes for a Honda Civic in Louisiana?

When talking about car insurance, the words “cheap” or “affordable” really should not be used anywhere to describe car insurance rates. Despite the oxymoron, cheap auto insurance for a Honda Civic is not always easy to find. But fear not, because we will teach you how you can find coverage that is cheaper than what you have now.

Buying cheaper coverage for a Honda Civic in Louisiana depends on things like whether you own a home, your occupation, and any prior driving offenses. Louisiana drivers pay on average $1,670 per year to insure a Honda Civic, but that is a valuation using rate data for a 30-year-old married female driver that included comprehensive and collision coverage and $250 physical damage deductibles.

There’s a high likelihood you may not be 30 years old (or even female), you might be single instead of married, or you just prefer to insure for liability only. Not everyone needs the same coverages, so your best chance at finding cheap auto insurance rates for your Honda is to just take the time to do a thorough rate comparison. Quotes are free and you will be able to see rates from the best companies around.

Save Now on Civic Insurance

Your Honda’s trim level tends to have a direct impact on the coverage cost, so the price you pay to insure a Civic DX 4-Dr Sedan trim level will be $568 less expensive the cost to insure the more costly Civic SI 2-Dr Coupe version, as shown in the prices below.

Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Louisiana minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Prices do not factor in specific Louisiana garaging location which can revise premium rates noticeably.

Best insurance in Louisiana

Ending up with the best insurance company can be difficult considering how many companies sell insurance in Louisiana. The ranking data displayed below can help you select which providers you want to consider when comparing auto insurance rates for a Honda Civic.

These ratings are only comprised of large, nationwide insurance companies, so companies without a large exposure are not taken into consideration for this list. To get price quotes and find the cheapest rates for a Honda Civic, follow this link.

Top 10 Major Car Insurance Companies in Louisiana Ranked by Customer Service

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

Top Companies for Honda Civic Insurance in Louisiana

How much more does full coverage cost?

Finding cheap insurance for a Honda Civic in Louisiana is probably important to most drivers, and one of the fastest ways to buy cheap insurance is to not buy comprehensive and collision coverage. The illustration below compares insurance rates with full coverage and liability only. The rates are based on no driving violations, no at-fault accidents, $500 deductibles, marital status is single, and no discounts are factored in.

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If we average the cost for all age groups, physical damage coverage on your policy costs an additional $3,229 per year more than just buying liability only. At some point, every insured wonders if paying for full coverage is worth it. There is no definitive rule of when to eliminate comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the yearly cost for physical damage coverage is more than 10% of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.

How to get cheap insurance for a Honda Civic in Louisiana

The list below shows many penny-pinching solutions that can help Louisiana drivers locate cheaper coverage.

• Good credit scores may lower your rates
• Buy vehicles with five-star safety ratings
• On older vehicles, drop full coverage
• Prevent rate increases by staying accident-free
• Raise comprehensive and collision coverage deductibles
• Ensure your driving record is clean
• Look for cheaper rates once a year by shopping around

The last item on the list is certainly necessary, as was discussed in the article above. Insurance prices fluctuate constantly, so don’t be hesitant to switch companies if you find a better deal. Loyalty to a specific company is fine, but it’s not a good idea if it’s costing you a wad of cash every year. It only take a few minutes to compare prices to find cheaper insurance for a Honda Civic.

Who has the cheapest Honda Civic insurance quotes?

Drivers have a lot of ways to compare cheaper insurance rates in Louisiana, but the three most common ways are through an exlusive agent such as State Farm or Auto-Owners, an independent or non-exclusive agent, or buying direct from a company like Progressive or Geico.

They all have the same end result, but buyers should know the differences in how they provide price quotes.

Independent insurance agents work for many companies and can do rate comparisons with each one. Agents of this type have the option to compare multiple rates, which can help you get the best chance of saving money. If the agent locates a cheaper price, the business is moved internally and you don’t have to find a new agent.

Exclusive agencies are ‘exlusive’ to one insurance company like an Allstate or State Farm agent. Exclusive agents are unable to quote prices from more than a single company, which does not give you the best rate comparison.

Opting to purchase insurance direct means you skip either of the other two types of agents and instead buy direct online or over the phone from a company like Esurance or Geico. Buying insurance direct may be a decent choice families who do not have complex finances and understand how insurance works.

So which way is best to buy cheap insurance for a Honda Civic in Louisiana? Most drivers assume that shopping direct results in the best prices since no commissions are paid to an agent, but unfortunately, that is not the case. We could also assume that an independent agent guarantees the lowest rates because they can quote many companies, but that’s not always true, either. For the right applicant, exclusive agencies have price quotes that cannot be beaten by either independent or direct companies.

Because there are so many factors that make up insurance rates, the only real way to find out which one is cheapest is to get as many comparison quotes as possible. Industry experts recommend getting rate quotes from all three to have the best selection of rates to choose from. For a list of insurance companies with low rates, click here to view.