How Much Does Insurance Cost for a Honda Civic in Delaware?

Our editors have a joke that when writing about auto insurance, the word “cheap” should not appear anywhere in the article as a descriptor for auto insurance rates. Please forgive the oxymoron, but cheap auto insurance for a Honda Civic does not exist. But don’t let us ruin your dream, because we are going to show you some ways you can get coverage that is easier on your budget.

The likelihood of finding cheap insurance for a Honda Civic in Delaware is contingent on an enormous amount of factors such as whether or not your vehicle has good safety ratings, the size of your vehicle, and the level of deductible you choose. Drivers in Delaware pay approximately $1,520 a year to insure their Civic, but that amount is an estimate based on cost data for a 50-year-old single male driver that includes full coverage including both comprehensive and collision and $250 physical damage deductibles.

There is a good chance you aren’t exactly 50 years old or even a male, you might be married instead of single, or maybe you want more liability coverage than is required by law in Delaware. Making minor changes in rating factors can result in a massive change in the price of a policy.

Each driver has unique rating factors, so the only way to find the cheapest coverage for your Honda is to get into the habit of shopping around regularly. It only takes a couple of minutes and you can get rates from the best auto insurance companies that insure Honda vehicles in Delaware.

Find Cheaper Honda Civic Insurance

The specific model of Civic impacts the annual cost of coverage, so the price you will be charged to insure a Civic DX 4-Dr Sedan trim level will be $514 cheaper than the cost to insure the higher-priced Civic SI 2-Dr Coupe trim level, as shown in the table below.

Data rating is based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Delaware minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Premium costs do not factor in vehicle location which can increase or decrease premiums noticeably.

Delaware insurance company ratings

Insuring your vehicle with the best car insurance company is hard considering how many different companies sell coverage in Delaware. The information below may help you analyze which insurers to look at when insurance shopping for a Honda Civic. The rankings below only include large, nationwide insurance companies, so companies that focus mainly on Delaware business are not included in the list.

Top 10 Large Auto Insurance Providers in Delaware Ranked by Value

1. Travelers
2. American Family
3. AAA Insurance
4. Safeco Insurance
5. Progressive
6. The Hartford
7. The General
8. 21st Century
9. Esurance
10. Titan Insurance

Top 10 Large Auto Insurance Providers in Delaware Ranked by Customer Satisfaction

1. USAA – 91%
2. AAA Insurance – 90%
3. Esurance – 90%
4. Nationwide – 89%
5. Travelers – 88%
6. Progressive – 88%
7. Safeco Insurance – 88%
8. State Farm – 88%
9. Allstate – 88%
10. The Hartford – 87%

Top Companies for Honda Civic Insurance in Delaware

Careless drivers pay higher rates

The obvious way to get low insurance premiums in Delaware for a Civic is to be a good driver and avoid traffic citations and accidents. The chart below illustrates how speeding tickets and accidents impact car insurance rates for different age groups of insureds. The data assumes a married female driver, full coverage, $1,000 deductibles, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and One Accident’],[‘Age 20’, 2745,3545,4379],[‘Age 30’, 1881,2679,3513],[‘Age 40’, 1879,2681,3515],[‘Age 50’, 1657,2459,3293],[‘Age 60’, 1571,2369,3205],[‘Age 70’, 1731,2527,3363]]);var options = {title: ‘Impact of Citations and Accidents on Delaware Honda Civic Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Honda Civic in Delaware’,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);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the chart above, the average cost of an auto insurance policy in Delaware per year with no violations or accidents is $1,911. Receive two speeding tickets and the average cost swells to $2,710, an increase of $799 each year. Now add in one accident along with the two speeding tickets and the 12-month cost of insurance for a Honda Civic increases to an average of $3,545. That’s an increase of $1,634, or $136 per month, just for being a careless driver!

The benefits of price comparisons

Delaware insurance rates are based on many factors which can significantly increase or decrease the price of your policy. Simply having another birthday, adding a teenager to your policy, or having an accident can produce rate changes that can make some companies much cheaper than others. Not only may your risk profile change, but car insurance companies change their prices every year or even multiple times each year as an adjustment for underwriting gains or losses. An extended period of higher than normal claims may result in price increases, while a better loss history may result in lower-priced Civic insurance rates.

For instance, the graph below shows the cheapest car insurance in Delaware for a 35-year-old female driver with a good driving record, no prior claims, and a good credit rating. When quoting prices based on her current rating profile, USAA may have the lowest car insurance rates in Delaware at $874 a year. This is $1,131 less than the average rate paid by Delaware drivers of $2,005. Travelers, Nationwide, Atlantic States, and California Casualty are the remaining cheapest Delaware auto insurance companies.

google.charts.setOnLoadCallback(drawDEWitcqcibChart);function drawDEWitcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘USAA’, 874, ‘#528E00’],[‘Travelers’, 1084, ‘#447600’],[‘Nationwide’, 1242, ‘#386200’],[‘Atlantic States’, 1292, ‘#2E5100’],[‘California Casualty’, 1306, ‘#264300’]]);var options = {title: ‘Best Auto 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:1406,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);}

Now let’s give the driver in the first chart a couple of claims, bad credit, and a speeding ticket. Because every insurance company has a proprietary formula to determing premium rates, analyzing rates most likely will result in a different ranking of the cheapest companies as shown below.

google.charts.setOnLoadCallback(drawDEWcqcibChart);function drawDEWcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘Travelers’, 1626, ‘#C75000’],[‘Donegal Mutual’, 1646.7, ‘#A54200’],[‘National Grange Mutual’, 1686.3, ‘#893700’],[‘GEICO’, 1702.8, ‘#722D00’],[‘USAA’, 1898.4, ‘#5F2500’]]);var options = {title: ‘New Rates with Accident/Violation Surcharges’,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:1998.4,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);}

Travelers now has the cheapest rate in Delaware with Donegal Mutual, National Grange Mutual, GEICO, and USAA now rounding out the top five. This illustrates why drivers need to do a thorough rate comparison when trying to find the most affordable insurance quotes for a Honda Civic.

Insurance rates are made up of many different factors and change dramatically, so the cheapest option the last time you shopped around may now be one of the more expensive options.

How to find the cheapest insurance for a Honda Civic

The list below summarizes some of the better thrifty solutions that can help Delaware drivers locate cheaper car insurance.

• Ensure your driving record is clean
• Avoid accidents and claims
• Save money by bundling your home and auto policies
• Avoid filing small claims
• Safer vehicles generally have cheaper insurance rates
• Shop around once a year for cheaper rates

That final tip is remarkably necessary, as we hit on in this piece. Auto insurance prices vary greatly, so don’t be unwilling to switch companies if you can save money.

We understand brand loyalty, but it’s not recommended if that devotedness results in you overpaying hundreds every year. Take a few minutes and compare prices and find cheaper insurance for a Honda Civic.