Who Has the Cheapest Insurance Quotes for a Honda Civic in Utah?

When talking about car insurance, the word affordable should not appear anywhere in the article as a descriptor for car insurance rates. Nonetheless, cheap car insurance for a Honda Civic may be a thing of the past. Don’t get your dauber down, because we are going to show you how you can find car insurance that is easier on your budget.

The odds of finding cheaper insurance for a Honda Civic in Utah depends on a calculation that uses factors like whether you are married, whether or not you have filed claims in the past, and your choice of physical damage deductibles. Drivers in Utah pay on average $860 a year to insure a Civic, but that rate is a ballpark figure that uses rate data for a 40-year-old single male driver that has full coverage and $1,000 physical damage deductibles.

The issue that arises when projecting rates is that it’s very likely that you are not 40 years old and maybe not even male, married instead of single, or maybe you live in a different area as the quoted rates. Having different needs demonstrates why the best method for finding cheap auto insurance rates for your Honda is to put in the effort and compare rates. Quotes are free and easy and you will receive price comparisons from the best companies that sell coverage in Utah.

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The trim level of your vehicle has an effect on the coverage cost, so the price you will pay to insure a Civic DX 4-Dr Sedan will be $278 lower than the insurance cost for the more costly Civic SI 2-Dr Coupe version, as shown in the prices below.

Above prices assume single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Utah minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Prices do not factor in vehicle garaging location which can influence premiums greatly.

Deciphering which company quotes the cheapest car insurance rates for a Honda Civic will require a little more sweat than just quoting one company’s rates. Each auto insurance company has a different formula for establishing rates, so let’s look at the rankings for the most competitive car insurance companies in Utah.

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Bear River may offer some of the most affordable car insurance rates in Utah at around $590 annually. USAA, Auto-Owners, American Family, and Allied also make the cut as some of the more affordable Utah auto insurance companies.

In the rate table above, if you are currently insured with American Family and switched to Bear River, you might realize a yearly savings of upwards of $374. Policyholders with Allied may save as much as $408 a year, and Farm Bureau Mutual insureds might lower prices by up to $447 a year.

To see if your current coverage is too expensive, click here to start a quote or visit any of the companies below.

Bear in mind that those prices are averages across all ages of drivers and types of vehicles and do not take into consideration a specific rate value for a Honda Civic. So the auto insurance company that can offer you the best rate may not even be in the list of companies above. That’s why you need to get quotes using your own personalized driver profile and vehicle information.

The chart below demonstrates how deductibles can impact insurance prices when trying to find cheap insurance for a Honda Civic. The information is based on a single female driver, comprehensive and collision coverage, and no discounts are taken into consideration.

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The data above shows that a 30-year-old driver could lower their policy premium by $340 a year by changing from a $100 deductible up to a $500 deductible, or save $510 by selecting a $1,000 deductible. Even younger drivers, like the 20-year-old, could drop their prices as much as $756 annually by choosing larger deductibles on their policy.

When increasing deductibles, it will be important to have additional funds in a savings account to enable you to cover the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.

How accidents and violations affect rates

The easiest way to receive low car insurance prices in Utah for a Civic is to be a safe driver and not have accidents or get tickets. The chart below shows how traffic citations and accident claims impact insurance costs for different ages of insureds. The information is based on a married male driver, full coverage, $1,000 deductibles, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and One Accident’],[‘Age 20’, 2043,2483,2941],[‘Age 30’, 1047,1485,1943],[‘Age 40’, 1021,1461,1919],[‘Age 50’, 939,1379,1837],[‘Age 60’, 923,1365,1821],[‘Age 70’, 1089,1531,1987]]);var options = {title: ‘Accidents, Violations, and Utah Honda Civic Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Honda Civic in Utah’,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);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The data in the chart shows the average cost of auto insurance in Utah per year with no accidents and a clean driving record is $1,177. Get written up for two speeding tickets and the average cost jumps to $1,617, an increase of $440 each year. Now add one accident along with the two speeding tickets and the annual cost of car insurance for a Honda Civic jumps again to an average of $2,075. That’s an increase of $898, or $75 per month, just for not driving carefully!