Who Has Cheap Insurance Quotes for a Honda Civic in Oklahoma?

Our staff writers always rib each other than when writing about auto insurance, the words cheap or affordable really shouldn’t be used as a descriptor for auto insurance rates. The fact is, cheap auto insurance for a Honda Civic is almost non-existent. But don’t despair, because we will teach you how you can still find and buy insurance that won’t break the bank.

Your chances of buying cheaper insurance for a Honda Civic in Oklahoma is dependent upon a lot of different factors such as how you use your vehicle, the condition of your credit, and your choice of deductibles. Oklahoma drivers on average will pay $1,530 per year to buy Honda Civic insurance, but that price is an estimate calculated using a 50-year-old married female driver who requires full physical damage coverage and $100 policy deductibles.

It’s more than likely you are not exactly 50 years old and possibly not even female, maybe you are single instead of married, and there is a good chance that there are other drivers on your policy. Insurance is an individual thing, so the way we recommend to find cheap insurance prices for your Honda is to take your time and compare rates from as many companies as possible. To cut your rates now, get a free quote and you will receive prices from the best auto insurance companies that sell coverage in Oklahoma.

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The specific model of Civic tends to impact the yearly cost, so the cost to insure a Civic DX 4-Dr Sedan trim level will be $534 cheaper than the insurance cost for the higher-priced Civic SI 2-Dr Coupe model, as demonstrated by the prices below.

Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Oklahoma minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Rate information does not factor in Oklahoma location which can decrease or increase price quotes substantially.

Finding reliable, reasonably-priced insurance is not the easiest thing to accomplish, and determining which companies quote the cheapest insurance rates for a Honda Civic takes a bit more work. Each auto insurer has their own guidelines for setting rates, so we’ll go over the most budget-friendly insurance companies in Oklahoma.

Compare Cheap Insurance Quotes for Your Honda

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USAA offers some of the lowest car insurance rates in Oklahoma at around $1,150 annually. Oklahoma Farmers Union, The Hartford, GEICO, and Safe Auto also rank well as some of the most economical Oklahoma auto insurance companies.

As shown in the rates above, if you are a customer of GEICO and switched to USAA, you might realize a yearly savings of roughly $244. Oklahoma drivers with Safe Auto might save as much as $255 a year, and Farmers insureds might reduce rates by $272 a year.

To get a quick, customized rate comparison, click here to begin a quote or click several companies below for low rates.

It’s important to note that these premium estimates are averages for all types of drivers and the different vehicles they drive and do not take into consideration a specific rate factor for a Honda Civic. So the company that has the cheapest price for you may not even be included in the above rate chart. That helps illustrate why you need to get quotes using your own personal information and vehicle type.

The diagram below illustrates how your choice of deductibles can influence insurance premiums when searching for cheap insurance for a Honda Civic. The rate quotes are based on a single female driver, comprehensive and collision coverage, and no discounts are applied to the premium.

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In the chart above, a 50-year-old driver could lower their car insurance rates by $466 a year by changing from a $100 deductible to a $500 deductible, or save $700 by selecting a $1,000 deductible. Even younger drivers, like the age 20 example, could potentially save $1,204 each year just by choosing higher deductibles.

When using a larger deductible, it is essential to have additional savings on hand to satisfy the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.

Is State Farm, Geico, Allstate, or Progressive cheaper?

When comparing insurance for a Civic in Oklahoma, the four most popular companies are State Farm, Geico, Allstate, and Progressive. The table below breaks down pricing and service ratings, plus some optional coverages that are available for policyholders.

How to find cheaper insurance for a Honda Civic

It is possible to find better rates, and here are many money-saving suggestions that can help you buy the cheapest coverage.

• Get cheaper liability coverage by choosing a safer vehicle
• Higher comprehensive and collision coverage deductibles will save money
• Avoid speeding and other traffic citations and pay less
• Drivers with good credit often pay less
• Drive attentively and avoid accidents
• Do not waste money insuring older vehicles for full coverage
• Keep rates low by comparing prices once a year

The last idea is certainly crucial, as we noted in this piece. Insurance rates in Oklahoma go up and down frequently, so drivers shouldn’t be resistant to buy a different policy if you find a better deal. Sticking with a specific company is fine, but it isn’t a good idea if that dedication is costing a considerable chunk of change every month. It only take a few minutes to compare rates to find cheaper insurance for a Honda Civic.