How Much Does Insurance Cost for a Honda Civic in New Jersey?

We always joke that when we write about car insurance, the words “affordable” or “cheap” should not appear anywhere in the article as a descriptor for car insurance rates. Be that as it may, cheap car insurance for a Honda Civic is almost non-existent. But fear not, because we can show you some ways you can still find and buy insurance that may not be cheap, but it is affordable.

Your odds of finding cheaper car insurance for a Honda Civic in New Jersey depends on a complex rating formula that takes into consideration things such as the number of years you have been driving, your address, and deductible levels for physical damage coverage. New Jersey drivers on average pay approximately $1,980 per year to insure a Civic, but that rate is a ballpark figure calculated using a 50-year-old single male driver with comprehensive and collision coverage and $100 policy deductibles.

Chances are good that you’re not a 50-year-old male, possibly married instead of single, and maybe you want higher deductibles. Everone’s needs are different, and this illustrates why the only way to find affordable rates for your Honda is to quote often and with as many companies as possible.

Find Cheaper Honda Civic Insurance

Your vehicle’s trim level can impact price, so the price you pay to insure a Civic DX 4-Dr Sedan model will be $686 lower than the cost to insure the more expensive Civic SI 2-Dr Coupe model, as shown below.

Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Rate information does not factor in New Jersey location which can influence insurance rates considerably.

Finding the highest-rated insurance company can be difficult considering how many companies there are in New Jersey. The rank data shown next may help you select which car insurance companies to look at when comparing rates.

These ratings only include major nationwide insurance companies, so companies that may only write in New Jersey will not be included in these rankings. To check prices from the most competitive companies in New Jersey, click this link.

Top 10 Large Auto Insurers in New Jersey Ranked by Customer Service

1. Mercury Insurance
2. The Hartford
3. American Family
4. Progressive
5. GEICO
6. USAA
7. State Farm
8. Travelers
9. Farmers Insurance
10. Allstate

Top Companies for Honda Civic Insurance in New Jersey

Discounts on New Jersey car insurance rates

Insurance providers that sell cheap insurance for a Honda Civic in New Jersey may also provide discounts that can reduce rates by 35% or more if you meet specific criteria. A list of companies and some of the discounts are included below.

• 21st Century includes discounts for driver training, theft prevention, teen driver, automatic seat belts, defensive driver, and early bird.
• Progressive has discounts for multi-vehicle, homeowner, continuous coverage, online quote discount, and multi-policy.
• State Farm offers premium reductions for defensive driving training, student away at school, passive restraint, multiple policy, multiple autos, and good driver.
• Nationwide may offer discounts for Farm Bureau membership, multi-policy, family plan, defensive driving, good student, business or organization, and anti-theft.
• Esurance offers discounts for emergency road assistance, Pac-12 alumni, paid-in-full, claim free, and anti-lock brakes.
• The Hartford may include discounts for bundle, anti-theft, good student, air bag, driver training, vehicle fuel type, and defensive driver.

The illustration below compares insurance costs with and without discounts applied to the policy rates. The data assumes a female driver, no accidents, no driving violations, New Jersey state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.

The first bar for each age group shows insurance cost with no discounts. The second shows the rates with accident-free, homeowner, safe-driver, claim-free, multiple vehicle, and multiple policy discounts applied. When drivers qualify for the discounts, the the average yearly reduction on auto insurance for a Honda Civic is 28% or $775.

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Impact of violations and accidents on rates in New Jersey

The easiest way to get cheap insurance for a Honda Civic in New Jersey is to drive safely and avoid accidents and keep your driving record clean. The chart below demonstrates how speeding tickets and accident claims can influence yearly insurance costs for different age categories. The prices are based on a single male driver, full coverage, $500 deductibles, and no additional 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’, 5203,6183,7199],[‘Age 30’, 2639,3623,4637],[‘Age 40’, 2629,3611,4625],[‘Age 50’, 2393,3375,4387],[‘Age 60’, 2319,3301,4315],[‘Age 70’, 2851,3829,4847]]);var options = {title: ‘Impact of Violations and Accidents on New Jersey 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 New Jersey’,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 example above, the average cost of a car insurance policy in New Jersey per year with no violations or accidents is $3,006. Get two speeding tickets and the average cost jumps to $3,987, an increase of $981 each year. Then add one accident along with the two speeding tickets and the yearly cost of auto insurance for a Honda Civic jumps again to an average of $5,002. That’s an increase of $1,996, or $166 per month, just for not being more responsible behind the wheel!

Who has the cheapest Honda Civic insurance quotes?

Due to technology, there are many ways to get cheap auto insurance quotes in New Jersey, but the three most common ways are through a captive (or exclusive) agency such as Allstate or State Farm, an independent insurance agent, or buying direct from a company like Progressive or Geico. They all follow the same basic process, but each is slightly different in how they give price quotes.

Independent insurance agents write for multiple companies and can get policy pricing from every one. They can sell policies from many different companies and can give you more rates, which can help you get the best shot at cutting your rates. If prices rise, the business is moved internally and the insured can keep the same agent.

An agent who is captive is usually restricted to one company, two examples are an Allstate or State Farm agent. These guys and gals cannot provide other companys’ prices, so you will not be able to compare their rates to other companies.

Consumers who buy auto insurance direct do not use the middleman (the agent) and instead buy buying direct from a company like Esurance or Progressive. This option is a good choice for consumers who do not have a complex risk profile and have an above average understanding of what auto insurance covers and what it doesn’t.

What is the best method for finding cheap insurance for a Honda Civic in New Jersey? The majority of auto insurance shoppers assume that buying from a direct car insurance company results in the cheapest rates since that eliminates agent commissions, but unfortunately, that is not always true. It would also be easy to say going through an independent agent guarantees the cheapest rates because they can shop around, but that idea is not necessarily true either. And often times, exclusive agents have really good rates that other auto insurance companies cannot touch.

Because it’s impossible to say who has the best auto insurance rates, the best way to find out which one is cheapest is to compare, compare, and compare some more. To find the best rates, be sure to get prices from all three to get an idea of which is cheapest. A great place to start is our list of online companies offering discounts: click here to view.