Cheap Insurance for a Honda Civic in Illinois

Our staff writers always rib each other than when writing about car insurance, the word “cheap” shouldn’t be used anywhere in the article as a descriptor for car insurance rates. The fact is, cheap car insurance for a Honda Civic can be difficult to find. Don’t let that discourage you, because we will show you how you can get auto insurance that is easier on your budget.

Finding the cheapest car insurance for a Honda Civic in Illinois relies on a lot of rating factors like whether you use your Civic for business use, whether or not you have prior claims, and any past driving violations you may have had. Illinois drivers pay around $850 annually to buy Honda Civic insurance, but that policy rate is an approximation that rates a 50-year-old single female who purchased both comprehensive and collision coverage and $500 deductibles.

That rate won’t apply to everyone, because more than likely you are not 50 and maybe not even a female, possibly married instead of single, and you want different coverage limits than the example. Every driver has different characteristics, so the most reliable method for finding cheap insurance rates for your Honda is to shop your policy around every couple of years. Price quotes are quick and you will be able to see rates from the best auto insurance companies in Illinois.

Save Now on Civic Insurance

The specific model of Civic tends to have a direct effect on the cost of coverage, so the price you pay to insure a Civic DX 4-Dr Sedan trim level will be $282 lower than the price to insure the more costly Civic SI 2-Dr Coupe trim level, as shown in the chart below.

Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Illinois minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Estimates do not factor in vehicle garaging location which can lower or raise prices substantially.

Picking the top auto insurance company is difficult considering how many different companies sell coverage in Illinois. The information displayed below may help you choose which car insurance companies to look at when comparing rate quotes. These rankings only include the largest companies in the United States, so smaller regional companies are not included in these rankings.

Discounts on cheap insurance for a Honda Civic in Illinois

Insurance providers that offer coverage for a Honda Civic may also provide rate discounts that could reduce prices by as much as 40% or more if you meet specific criteria. A list of companies and the discounts they provide are shown below.

• State Farm discounts include safe vehicle, Drive Safe & Save, Steer Clear safe driver discount, driver’s education, and defensive driving training.
• Progressive offers discounts including homeowner, good student, online signing, continuous coverage, multi-policy, online quote discount, and multi-vehicle.
• Travelers offers discounts for IntelliDrive, home ownership, multi-policy, early quote, good student, student away at school, and payment discounts.
• American Family policyholders can earn discounts including good driver, early bird, mySafetyValet, good student, and multi-vehicle.
• Liberty Mutual may offer discounts for newly married, new vehicle discount, safety features, hybrid vehicle, multi-car, and preferred payment discount.

The illustration below visualizes the comparison of annual premium costs with and without discounts applied to the premium. The price estimates are based on a male driver, a clean driving record, no at-fault accidents, Illinois state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with anti-theft, vehicle safety, defensive driving course, passive restraint, marriage, and multiple policy discounts applied. When discounts are applied, the average amount saved each year on insurance for a Honda Civic is 28% or $456.

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Cost difference between full coverage and liability

Finding cheap insurance for a Honda Civic in Illinois should be important to most vehicle owners, and one of the quickest ways to lower the cost of insurance is to only pay for liability coverage. The diagram below compares insurance costs with full phyical damage coverage and with liability coverage only. The premiums assume no driving violations, no at-fault accidents, $100 deductibles, drivers are single, and no discounts are applied.

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If the expense is averaged for all age categories, physical damage coverage costs $1,744 per year more than just buying liability insurance. Many of you may wonder if buying full coverage is worth the money. There is no definitive guideline for dropping physical damage coverage, but there is a general guideline. If the annual cost of coverage is 10% or more of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.

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

When shopping for car insurance, four companies to consider are Geico, State Farm, Progressive, and Allstate. When combined, they make up 48.5% of all car insurance policies in America. The table below compares some of the ratings and options you can buy with each company.

Who has the cheapest Honda Civic insurance quotes?

There are quite a few ways to compare insurance quotes in Illinois, but the three most common are through an exclusive agency like Allstate or Liberty Mutual, a non-exclusive or independent agent, or buying direct from a company like Progressive or Geico. Each way has the same basic process, but each is different in how they give price quotes.

Independent agencies have contracts with many companies and can get rate quotes from each one. These agents can give you more rate choices, which can give you the best shot at cutting your rates. If they quote lower rates, your agent can switch companies which prevents you from having to switch agents.

A captive or exclusive agent is only able to quote your policy with a single insurance company, a couple examples are an Auto-Owners or Allstate agent. These agents usually cannot place coverage with different providers, so they are skilled at selling on more than just price.

The last way is buying direct, which means you bypass the middleman (the agent) and buy buying direct from a company like Progressive or Esurance. Buying insurance direct may be the best choice drivers who do not need advice for asset protection and understand how insurance works.

Which way works best for finding cheap insurance for a Honda Civic in Illinois? The majority of people assume that buying direct saves the most money since there isn’t an agent involved, but that turns out to not be true. A valid argument could also be made that an independent agency is the best way since there are more companies to choose from, but again, that’s not a true statement. For some people, the exclusive agents have really good rates that cannot be met by either independent or direct companies.

Because there is so much variation in insurance prices, the one way to buy the cheapest policy is to get as many comparison quotes as possible. Be sure to get prices from all three types to have a good selection of rates to choose from. To see some of the cheapest online companies available, click here to view.