Who Has the Cheapest Insurance for a Honda Civic in Connecticut?

Who Has the Cheapest Insurance for a Honda Civic in Connecticut?

Your chances of buying cheaper car insurance for a Honda Civic in Connecticut is dependent upon a large number of factors like your financial responsibility, if you have a coverage lapse, and your policy deductibles. Drivers in Connecticut will pay on average $950 each year for Civic insurance, but that figure is based on rates for a 40-year-old married female that purchased full coverage including both comprehensive and collision and $1,000 policy deductibles.

More than likely, you may not be 40 years old (or even female), single instead of married, or maybe you rent instead of own your home. Even a minor difference in the factors used in pricing a policy can generate big changes in the policy rate.

Insurance is an individual thing, so the best way to find cheap insurance prices for your Honda is to get into the habit of comparing rates once a year.

Compare Honda Civic Insurance Rates

Your vehicle’s trim level impacts the cost of coverage, so the price you will be charged to insure a Civic DX 4-Dr Sedan trim level will be $306 lower than the price to insure the higher-priced Civic SI 2-Dr Coupe version, as shown by the rates below.

Honda Civic Insurance Rates in Connecticut
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $124 $276 $362 $22 $108 $892 $74
Civic VP 4-Dr Sedan $124 $326 $362 $22 $108 $942 $79
Civic LX 4-Dr Sedan $124 $326 $362 $22 $108 $942 $79
Civic DX 2-Dr Coupe $124 $326 $452 $26 $136 $1,064 $89
Civic EX 4-Dr Sedan $124 $326 $362 $22 $108 $942 $79
Civic LX-S 4-Dr Sedan $124 $326 $362 $22 $108 $942 $79
Civic LX 2-Dr Coupe $124 $376 $452 $26 $136 $1,114 $93
Civic EX-L 4-Dr Sedan $142 $376 $362 $22 $108 $1,010 $84
Civic SI 4-Dr Sedan $142 $376 $362 $22 $108 $1,010 $84
Civic EX 2-Dr Coupe $142 $376 $452 $26 $136 $1,132 $94
Civic GX 4-Dr Sedan $142 $376 $362 $22 $108 $1,010 $84
Civic EX-L 2-Dr Coupe $142 $376 $452 $26 $136 $1,132 $94
Civic Hybrid 4-Dr Sedan $160 $326 $362 $22 $108 $978 $82
Civic SI 2-Dr Coupe $160 $424 $452 $26 $136 $1,198 $100
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Table data represents married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Connecticut minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Prices do not factor in zip code location which can increase or decrease auto insurance rates greatly.

Insuring your vehicle with a good quality car insurance company is hard considering how many different companies there are to choose from in Connecticut. The rank data in the next section could help you analyze which car insurance companies you want to consider when shopping your coverage around. The rankings below include companies that write coverage in many states, so companies that may only write in Connecticut will not be included in the list.

Top Insurance Companies for a Honda Civic
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
The General 96 100 92 91% A- 95
The Hartford 88 96 91 93% A+ 92.6
Progressive 84 94 99 90% A+ 92.4
Travelers 84 93 100 87% A++ 92.3
State Farm 84 93 95 87% A++ 91
Farmers Insurance 87 92 90 85% A 90.6
Safeco Insurance 85 91 87 86% A 88.4
USAA 71 93 98 87% A++ 88
GEICO 73 93 95 85% A++ 87.1
21st Century 85 85 91 89% A 86.9
Liberty Mutual 72 91 97 83% A 86.4
AAA Insurance 85 85 88 86% A 85.8
Nationwide 71 90 93 83% A+ 84.9
Allstate 69 92 92 83% A+ 84.4
American Family 77 96 80 85% A 83.8
Esurance 70 80 89 77% A+ 79.2
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Data Source: Insure.com Best Car Insurance Companies

The chart below shows how choosing a deductible can increase or decrease premium costs when quoting cheap insurance for a Honda Civic. The data assumes a married female driver, full coverage, and no discounts are factored in.

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The data above shows that a 40-year-old driver could lower rates by $328 a year by changing from a $100 deductible up to a $500 deductible, or save $494 by changing to a $1,000 deductible. Even younger drivers, like the Age 20 category, could roll back prices up to $812 or even more just by choosing higher deductibles.

When increasing deductibles, it will be necessary to have plenty of money set aside to enable you to cover the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.

Cost difference between full coverage and liability

Finding the cheapest insurance for a Honda Civic in Connecticut is the goal of most vehicle owners, and one good way to buy cheaper insurance is to not insure for full coverage. The illustration below compares insurance costs with full coverage and liability only. The rates are based on no driving violations, no at-fault accidents, $250 deductibles, marital status is single, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $250 Deductibles’, ‘Liability Only’],[‘Age 20’, 4645,1525],[‘Age 30’, 2357,835],[‘Age 40’, 2347,773],[‘Age 50’, 2137,723],[‘Age 60’, 2069,711],[‘Age 70’, 2549,953]]);var options = {title: ‘Full Coverage Compared to Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Honda Civic in Connecticut’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

Averaged for all age groups, full coverage costs an extra $2,684 per year more than insuring for liability only. Many of you may wonder if buying full coverage is worth the money. There is no exact formula of when to eliminate comp and collision coverage, but there is a general convention. If the yearly cost for physical damage coverage is more than 10% of the replacement cost minus the deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s say your vehicle’s claim settlement value is $6,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would receive is $5,000 after the deductible is paid. If you are paying over $500 annually for physical damage coverage, then you might want to think about dropping full coverage.

Cheap Honda Civic insurance quotes

There are a variety of different ways to compare cheaper insurance rates in Connecticut, but the most preferred methods are through an independent agent, an exlusive agent such as State Farm or Auto-Owners, or direct either online or via phone.

Each way has the same basic steps, but it’s good to know the differences in how they provide price quotes.

Independent agencies can place your business with multiple companies and can get policy pricing from each one. These types of agents can sell policies from many different companies and can provide multiple price quotes, which can help you get a better chance of finding cheaper coverage. If a cheaper price is found, you can get a different policy and you don’t have to do anything.

An agent who is captive is usually just provide rates from one insurance company, for example an Auto-Owners or State Farm agent. Exclusive agents generally are unable to give you multiple price quotes, so they have to upsell other benefits.

Opting to purchase insurance direct means you skip a local insurance agent and buy buying direct from a company like Esurance or Geico. Buying insurance direct is a good choice for drivers who have an average risk profile and have some degree of understanding of the limitations of their policy.

Which method works best to buy the cheapest insurance for a Honda Civic in Connecticut? We’d like to tell you buying direct results in the best prices since there isn’t an agent involved, but unfortunately, it’s not that cut and dried. We could also say that an independent agent can save the most money since they have more companies to choose from, but that is not necessarily true either. In the right set of circumstances, exclusive agencies have extremely competitive rates that are the cheapest.

Because it’s impossible to say who has the best insurance rates, the best method to ensure you are not overpaying is to do a thorough rate comparison. We recommend you get quotes from all three to get an idea of which is cheapest. For a list of companies with cheap rates in Connecticut, click here to view.