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

Finding the best cheap coverage for a Honda Civic in Georgia depends on a complex calculation that is influenced by things like how long your commute is, whether or not you are currently insured, and if you have a clean driving record. Georgia drivers on average will pay $1,430 annually to insure a Honda Civic, but that price is a valuation based on rates for a 40-year-old single male that purchased full coverage and $500 physical damage deductibles.

The issue with using an average estimated rate is the likelihood you’re not a 40-year-old male, possibly married instead of single, or you just want cheap liability insurance instead of full coverage. What people think is a minor change in rating criteria or coverage limits can lead to a significant difference in the cost of insurance.

The different assumptions illustrate why the only way to find cheap car insurance rates for your Honda is to get into the habit of shopping around regularly. Rate quotes are easy and you can get rates from some of the best companies that offer coverage in Georgia.

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Vehicle trim level tends to impact the cost of insurance, so the price you will pay to insure a Civic DX 4-Dr Sedan model will be $482 less expensive the insurance cost for the more costly Civic SI 2-Dr Coupe version, as shown in the table below.

Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Information does not factor in vehicle location which can alter premium rates significantly.

Trying to find budget auto insurance is not the easiest thing to accomplish, and determining which company has the most affordable auto insurance rates for a Honda Civic involves a little more work. Each company has their own process for determining rates in each state, so first let’s look at the rankings for the lowest cost auto insurance companies in Georgia.

Best Insurance Companies for Your Honda

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Auto-Owners quotes some of the most affordable car insurance rates in Georgia at around $839 per year. The Hartford, USAA, Central Mutual, and MetLife are also some of the most economical Georgia car insurance companies.

As depicted above, if you are currently insured with Central Mutual and switched to Auto-Owners, you might achieve a yearly savings of approxmiately $354. Georgia drivers with MetLife could save as much as $399 a year, and Georgia Farm Bureau insureds might lower prices by up to $421 a year.

Bear in mind that those premium estimates are averages across all types of insureds and vehicles and do not factor in a specific rating modification for a Honda Civic. So the insurer that fits your needs best may not even be shown in the list above. That illustrates why you need to quote rates from many companies using your own driver data and vehicle information.

Discounts on cheap insurance for a Honda Civic in Georgia

Car insurance companies that offer cheap quotes for a Honda Civic may also offer special discounts that can reduce rates by 30% or more if you meet the requirements. Popular auto insurance companies and their offered discounts include:

• GEICO includes discounts for daytime running lights, membership and employees, good student, seat belt use, five-year accident-free, multi-policy, and emergency military deployment.
• Mercury Insurance offers discounts for good student, age of vehicle, low natural disaster claims, good driver, multi-car, and professional/association.
• Farmers Insurance offers discounts including bundle discounts, early shopping, multi-car, teen driver, business and professional, and electronic funds transfer.
• Auto-Owners Insurance offers premium reductions for teen driver, multiple vehicles, mature driver, anti-lock brakes, group or association, and company car.
• Liberty Mutual has savings for safety features, hybrid vehicle, preferred payment discount, exclusive group savings, and new vehicle discount.
• SAFECO may have discounts that include teen safety rewards, homeowner, safe driver, teen safe driver, bundle discounts, and drive less.
• Progressive may offer discounts for continuous coverage, multi-vehicle, online quote discount, online signing, multi-policy, and homeowner.
• USAA may include discounts for good student, safe driver, multi-vehicle, vehicle storage, new vehicle, and defensive driver.

The information below illustrates the comparison of insurance rates with and without discounts applied to the policy premium. The costs are based on a female driver, no claims, a clean driving record, Georgia state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with defensive driving course, marriage, safe-driver, multiple vehicle, accident-free, and claim-free discounts applied. With discounts applied, the the average yearly reduction on auto insurance for a Honda Civic is 28% or $732.

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

When buying insurance for a Civic in Georgia, the companies that insure more vehicles than anyone else are Geico, Progressive, State Farm, and Allstate. Each one has a slightly different set of options and discounts that drivers can select from. The following table rates some of the ratings and options that may be available in Georgia.

How to get cheap insurance for a Honda Civic in Georgia

Lowering your rates is not difficult, and here are some penny-pinching solutions that can help Georgia drivers locate low-cost car insurance.

• Do not get into accidents
• Safe vehicles cost less to insure
• Be a cautious driver
• Claim-free drivers earn discounts
• Bundle home and auto and earn a discount
• Shop around for cheaper rates regularly

That final tip is especially valuable, as we pointed out in this piece. Car insurance prices in Georgia change frequently, so drivers shouldn’t be resistant to switch to a new company if a more affordable price is available. Staying with the same company for years is fine, but it’s not a good idea if that inflexibility results in costing you several hundred dollars every year. In less than five minutes you could 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 get cheap auto insurance quotes in Georgia, but the most frequently used methods are from an independent or non-exclusive agent, an exclusive insurance agency like State Farm or Liberty Mutual, or from a direct company like Progressive. All three ways can provide auto insurance quotes, but each is slightly different in how they work.

Independent agents write business for many companies and can get rate quotes from each one. They are not limited to a single company and can provide multiple price quotes, which can give you more bang for your buck. If prices rise, they simply switch companies in-house which prevents you from having to find an new insurance agent.

An exlusive, or captive, agency is only able to give rates for just one company, a couple examples are Liberty Mutual and Allstate agents. Exclusive agents normally do not have the ability to compare rates from other companies, which will not provide a complete price comparison.

If you want to buy auto insurance direct, you skip either of the other two types of agents and instead buy from a direct company like Progressive or Esurance. Buying auto insurance direct is a good choice for people who do not need risk management and have a decent understanding of how their policy works.

So what is the best way for finding cheap insurance for a Honda Civic in Georgia? It would be easy to say shopping direct saves the most money because there is no agent involved, but that is not always the case. A good argument could also be made that using an independent agent results in the best rates since they can provide multiple quotes, but again, that’s not accurate. In many circumstances, the exclusive agents have coverage prices that are the cheapest.

Due to the fact that auto insurance rates vary so much, the only real way to not overpay for auto insurance is to compare, compare, and compare some more. If time allows, get rate quotes from all three to have the best rate selection. For a list of companies offering online discounts in Georgia, click here to view.