How Much is Insurance for a Honda Civic in North Dakota?

The odds of finding affordable auto insurance for a Honda Civic in North Dakota depends upon an enormous amount of factors like whether you are married or single, the likelihood of your vehicle being stolen, and if you have any chargeable driving offenses. Drivers will pay on average $1,100 each year to buy insurance for a Honda Civic, but that policy rate is a ballpark figure calculated using a 40-year-old single male driver that included full coverage including both comprehensive and collision and $500 deductibles.

It’s highly likely you are not 40 years old and maybe not even male, possibly married instead of single, or maybe you just want different deductibles. Every driver’s needs are different, and that is why the most reliable method for finding cheap insurance prices for your Honda is to shop your policy around at every renewal. Rate quotes are easy and you will get price quotes from some of the best companies in North Dakota.

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The trim level of your Civic tends to impact the annual cost of coverage, so the price you will pay to insure a Civic DX 4-Dr Sedan model will be $370 less expensive the price to insure the higher-priced Civic SI 2-Dr Coupe trim level, as shown below.

Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and North Dakota minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Rate quotes do not factor in specific garaging location which can alter auto insurance rates substantially.

Deciding which companies quote the lowest-priced car insurance rates for a Honda Civic will involve a bit more effort in order to find the lowest price quote. Each insurance company uses their own formula to determine premium rates, so let’s rank the lowest cost car insurance companies in North Dakota.

Lowest Insurance Price Quotes for Your Honda

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USAA may offer some of the lowest car insurance rates in North Dakota at around $711 annually. Nodak Mutual, Allied, Grinnell, and Safeco would also be considered some of the best North Dakota car insurance companies.

As the example above demonstrates, if you currently have coverage with Safeco and switched to Nodak Mutual, you might see a yearly price reduction of about $216. North Dakota drivers with State Farm may save as much as $236 a year, and Progressive insureds might lower prices by $363 a year.

Bear in mind that those prices are averaged for all ages of drivers and types of vehicles and and are not figured with a specific rating modification for a Honda Civic. So the insurer that has the lowest price for you may not even be shown in the list of companies shown earlier. That affirms the importance of why you need to get rate quotes using your own individual information.

Full coverage rates vs. liability-only

Finding cheap insurance for a Honda Civic in North Dakota is the goal of the majority of drivers, and one of the fastest ways to find cheaper insurance is to not buy comprehensive and collision coverage. The information below shows the difference between premium costs with liability coverage only compared to full coverage. The premiums assume no driving violations, no at-fault accidents, $500 deductibles, single marital status, and no discounts are taken into consideration.

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If averaged for all ages, full coverage on your policy costs $1,767 per year more than insuring for liability only. That is a large expense which might make you wonder if it’s worth it to buy full coverage. There is no definitive formula to stop paying for full coverage, but there is a general guideline you can use. If the yearly cost of full coverage is more than about 10% of the settlement you would receive from your company, then it’s probably a good time to buy liability coverage only.

For example, let’s pretend your vehicle’s replacement value is $10,500 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $9,500 after paying your deductible. If you are paying in excess of $950 a year for full coverage, then you may need to consider dropping full coverage.

There are a few situations where only buying liability is not financially feasible. If you still owe money on your vehicle, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should not buy liability only.

The importance of shopping around for Civic insurance

North Dakota car insurance rates are influenced by many factors that will increase or decrease the cost of coverage. Simply having a birthday, buying a home instead of renting, or getting a speeding ticket may cause policy rate changes that can cause some rates to be much cheaper than others.

In addition to those changes, insurance companies file new North Dakota car insurance rates multiple times each year to adjust for heavy claims or excess profits. Significantly higher losses can result in higher prices, while profitable underwriting may cause cheaper Civic insurance rates.

The bar chart below shows rates for the cheapest car insurance in North Dakota for a 45-year-old female driver with a clear driving record, no claims, and good credit. If we estimate rates based on her personal profile, USAA may offer the most affordable car insurance rates in North Dakota at $711 annually. This is $951 less than the average rate paid by North Dakota drivers of $1,662. Allied, Nodak Mutual, Grinnell, and State Farm are the remaining cheapest North Dakota auto insurance companies.

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Now we will pretend the driver from above a claim, a lower credit rating, and a blemish on her driving record. Because each insurer has a different process for setting prices, analyzing rate quotes most likely will result in a different list of the cheapest car insurance companies in North Dakota as shown below.

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Nodak Mutual now has the lowest car insurance rate in North Dakota with Allied, Progressive, State Auto, and Auto-Owners also being competitive. This example demonstrates why it is critical to do a thorough rate comparison to find the best car insurance quotes for a Honda Civic. Prices are calculated by many factors and change dramatically, so the cheapest option two years ago may now be one of the higher cost companies.

Find cheap insurance for a Honda Civic in North Dakota

Lowering your rates is not difficult, and here are some money-saving suggestions that can help North Dakota drivers get cheaper coverage.

• Try to remain claim-free
• Drive attentively and avoid accidents
• Better credit rating means better rates
• Save money by obeying traffic laws and keeping a clean driving record
• Vehicles with good safety ratings have lower liability rates
• Check for cheaper rates once a year

That last tip is certainly necessary, as we pointed out in the prior article. Auto insurance rates can be modified anytime, so drivers shouldn’t be reluctant to switch to a new company if you find a better deal.

Many consumers stick with the same company and that’s fine, but it’s not a good idea if that loyalty ends up costing hundreds of dollars a year. It only take a few minutes to shop around to find cheaper insurance for a Honda Civic.

Cheap Honda Civic insurance quotes

Drivers have many ways to purchase car insurance in North Dakota, but the most popular ways are from an exlusive agent such as State Farm or Auto-Owners, an independent or non-exclusive agent, or from a direct company like Geico or Progressive.

They all have the same end result, but they are slightly different in how they provide price quotes.

Independent agencies work for many companies and can quote your policy with each one. These types of agents are not employed by one specific company and can give you a larger rate selection, which may provide you with improved odds of finding cheaper coverage. If they find a cheaper price, they can switch companies in-house which prevents you from having to switch agents.

An agent who is captive is contracted to just one company, two popular examples being an Auto-Owners or State Farm agent. They generally cannot provide rates from more than one company, so unless you get quotes from other companies, you cannot determine which is cheapest.

Consumers who buy car insurance direct do not use an agent and instead buy direct from companies such as Geico or Esurance. Buying car insurance direct can be a good choice for people who do not need advice for asset protection and know more than average about the exclusions of a policy.

So which method is best to find cheap insurance for a Honda Civic in North Dakota? It would be easy to say shopping direct saves the most money because there is no agent taking a commission, but that is not always the case. We could also say that an independent agent is the best way to go since there are more companies to choose from, but that is not accurate either. For the right applicant, the exclusive agents may have prices well below independent agents AND direct companies.

Because it’s impossible to say who has the best car insurance rates, really the only way to buy the cheapest policy is to compare, compare, and compare some more. If you have the time, get rate quotes from independent agents, exclusive agents, and direct companies in order to find the best price. To see some of the cheapest online companies available, click here to view.