Buying cheaper insurance for a Honda Civic is pretty easy for most people to do, but it relies on lots of different rating factors such as how far you commute, if you have a tendency to file claims, and your choice of deductibles. Indiana drivers will pay on average $1,050 each year for Civic insurance, but that amount is a projection using a 40-year-old single female driver with full comprehensive and collision coverage and $500 deductibles.
There’s a high likelihood you may not be 40 years old (or even female), possibly married instead of single, or maybe your Civic is old enough that it doesn’t require full coverage. Every driver’s needs are different, and that is why the best way to find the cheapest rates for your Honda is to do your own rate comparisons.
Vehicle trim level will have an impact the insurance rate, so the rate you pay to insure a Civic DX 4-Dr Sedan model will be $346 cheaper than the insurance cost for the more well-appointed Civic SI 2-Dr Coupe model, as shown in the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $148 | $334 | $364 | $22 | $110 | $978 | $82 |
| Civic VP 4-Dr Sedan | $148 | $392 | $364 | $22 | $110 | $1,036 | $86 |
| Civic LX 4-Dr Sedan | $148 | $392 | $364 | $22 | $110 | $1,036 | $86 |
| Civic DX 2-Dr Coupe | $148 | $392 | $456 | $28 | $136 | $1,160 | $97 |
| Civic EX 4-Dr Sedan | $148 | $392 | $364 | $22 | $110 | $1,036 | $86 |
| Civic LX-S 4-Dr Sedan | $148 | $392 | $364 | $22 | $110 | $1,036 | $86 |
| Civic LX 2-Dr Coupe | $148 | $452 | $456 | $28 | $136 | $1,220 | $102 |
| Civic EX-L 4-Dr Sedan | $170 | $452 | $364 | $22 | $110 | $1,118 | $93 |
| Civic SI 4-Dr Sedan | $170 | $452 | $364 | $22 | $110 | $1,118 | $93 |
| Civic EX 2-Dr Coupe | $170 | $452 | $456 | $28 | $136 | $1,242 | $104 |
| Civic GX 4-Dr Sedan | $170 | $452 | $364 | $22 | $110 | $1,118 | $93 |
| Civic EX-L 2-Dr Coupe | $170 | $452 | $456 | $28 | $136 | $1,242 | $104 |
| Civic Hybrid 4-Dr Sedan | $192 | $392 | $364 | $22 | $110 | $1,080 | $90 |
| Civic SI 2-Dr Coupe | $192 | $512 | $456 | $28 | $136 | $1,324 | $110 |
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Price information does not factor in vehicle garaging location which can affect coverage prices substantially.
Insurance company ratings
Buying coverage from the highest-rated car insurance provider can be a challenge considering how many companies there are to choose from in Indianapolis. The company information shown below could help you select which companies to look at purchasing coverage from.
These ratings include companies who write in the majority of U.S. states, so smaller companies that only insure vehicles in Indiana are not factored into the list. If you wish to compare rates from these and other companies in Indiana, click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 99 | 100 | 90 | 92% | A++ | 97.4 |
| 21st Century | 89 | 86 | 100 | 88% | A | 92.7 |
| GEICO | 97 | 91 | 88 | 85% | A++ | 92.5 |
| Nationwide | 88 | 94 | 91 | 88% | A+ | 91.3 |
| AAA Insurance | 93 | 87 | 88 | 87% | A | 90.8 |
| Liberty Mutual | 91 | 91 | 92 | 87% | A | 90.7 |
| Safeco Insurance | 90 | 93 | 88 | 86% | A | 90.2 |
| State Farm | 91 | 94 | 80 | 88% | A++ | 90.2 |
| Travelers | 89 | 91 | 94 | 79% | A++ | 90.1 |
| American Family | 88 | 92 | 83 | 88% | A | 89.4 |
| Titan Insurance | 89 | 91 | 83 | 86% | A+ | 89.3 |
| Allstate | 90 | 90 | 84 | 85% | A+ | 89.1 |
| Progressive | 83 | 85 | 99 | 87% | A+ | 88.7 |
| Erie Insurance | 92 | 90 | 82 | 88% | A+ | 88.5 |
| The Hartford | 87 | 89 | 84 | 87% | A+ | 88 |
| Esurance | 84 | 88 | 85 | 83% | A+ | 86 |
| Farmers Insurance | 79 | 88 | 84 | 87% | A | 84.7 |
| The General | 88 | 80 | 85 | 80% | A- | 84.5 |
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Data Source: Insure.com Best Car Insurance Companies
Discounts on Indianapolis auto insurance rates
Auto insurance companies that provide policies for a Honda Civic could also offer price discounts that could potentially reduce rates by as much as 35% or more if you meet certain criteria. Companies and their possible discounts are:
- State Farm has savings for good driver, multiple autos, defensive driving training, passive restraint, and student away at school.
- GEICO may offer discounts for military active duty, federal employee, anti-lock brakes, membership and employees, and defensive driver.
- SAFECO has discounts for teen safety rewards, drive less, teen safe driver, bundle discounts, safe driver, homeowner, and multi-car.
- Farmers Insurance policyholders can earn discounts including early shopping, youthful driver, switch companies, distant student, and teen driver.
- AAA offers discounts for multi-car, good student, multi-policy, AAA membership discount, education and occupation, anti-theft, and pay-in-full.
- USAA discounts include driver training, safe driver, family discount, military installation, and multi-policy.
The diagram below illustrates the comparison of yearly insurance costs with and without discounts. The premiums assume a male driver, a clean driving record, no at-fault accidents, Indiana state minimum liability limits, full physical damage coverage, and $250 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second shows the rates with multiple policy, safe-driver, passive restraint, multiple vehicle, marriage, and defensive driving course discounts applied. When discounts are applied, theaverage yearly reduction on insurance for a Honda Civic is 28% or $510.
The chart below illustrates how your deductible choice can increase or decrease insurance costs when researching cheap insurance for a Honda Civic. The rates are based on a single male driver, comprehensive and collision coverage, and no additional discounts are factored in.
The chart above illustrates that a 50-year-old driver could pocket $348 a year by increasing from a $100 deductible to a $500 deductible, or save $524 by using a $1,000 deductible. Even younger insureds, like the age 20 example, could drop their prices up to $1,172 each year by selecting a higher deductible. When insureds make the decision to increase the deductibles on their policy, it will be required to have enough savings to satisfy the extra out-of-pocket expense, which is the one shortcoming of high deductibles.
Drive responsibly or pay higher rates
In a perfect world, the best way to enjoy cheap insurance prices in Indianapolis for a Civic is to drive safely and avoid accidents and keep your driving record clean. The illustration below illustrates how speeding tickets and at-fault collisions can influence yearly insurance costs for each different age category. The rate quotes are based on a single female driver, comp and collision included, $500 deductibles, and no policy discounts are applied.
In the prior example, the average cost of car insurance per year with a clean driving record and no accidents is $1,982. Factor in two speeding tickets and the average cost swells to $2,657, an increase of $674 each year. Now add in one accident along with the two speeding tickets and the yearly cost of insurance for a Honda Civic goes up to an average of $3,357. That’s an increase of $1,375, or $115 per month, just for not being a responsible driver!