What Insurance is Cheapest for a Honda Civic in Greensboro?

Finding the best cheap auto insurance for a Honda Civic in North Carolina hinges on a lot of rating factors such as whether you are male or female, if you are a frequent claim filer, and your driving record. North Carolina drivers will pay on average $822 each year for Civic insurance, but that figure is an approximation calculated using a 40-year-old single female driver with full physical damage coverage and $1,000 deductibles.

There’s a good chance you’re not a 40-year-old female, you might be married instead of single, and you might want liability-only or different deductibles. Even a minor difference in the factors used in pricing a policy can result in a big discrepancy in the price of a policy.

There is no perfect policy for every driver, so the best method for finding the cheapest rates for your Honda is to compare as many rates as possible. It only takes a couple of minutes and you will receive prices from the best companies that insure Honda vehicles in North Carolina.

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The specific trim level will likely have an effect on the cost of coverage, so the price you pay to insure a Civic DX 4-Dr Sedan trim level will be $262 less than the cost to insure the more costly Civic SI 2-Dr Coupe version, as shown by the rates below.

Price data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Price estimates do not factor in vehicle garaging location which can affect rates substantially.

Picking the right insurance company can be challenging considering how many companies sell coverage in Greensboro. The information shown below may help you choose which car insurance companies to look at when trying to find cheaper insurance for a Honda Civic. These ratings include the largest auto insurers in America, so smaller companies that only insure vehicles in North Carolina will not be included in this list.

Top 10 Major Auto Insurance Companies Overall in Greensboro

1. Travelers
2. USAA
3. AAA Insurance
4. Nationwide
5. Allstate
6. State Farm
7. The Hartford
8. Safeco Insurance
9. Progressive
10. American Family

Discounts on Greensboro insurance rates

Insurance providers that offer coverage for a Honda Civic may also provide premium discounts that could lower prices by 25% or more if you meet certain criteria. A few popular companies and a selection of discounts can be read below.

• GEICO may have discounts that include anti-lock brakes, multi-policy, good student, membership and employees, defensive driver, and multi-vehicle.
• USAA offers discounts including military installation, new vehicle, loyalty savings, multi-policy, family discount, multi-vehicle, and vehicle storage.
• Progressive policyholders can earn discounts including online signing, homeowner, multi-vehicle, continuous coverage, and online quote discount.
• American Family has savings for mySafetyValet, accident-free, bundled insurance, early bird, multi-vehicle, Steer into Savings, and air bags.
• Esurance offers discounts for DriveSense, good driver, defensive driver, multi-policy, and paid-in-full.
• Farmers Insurance discounts include mature driver, bundle discounts, electronic funds transfer, teen driver, and homeowner.
• State Farm may include discounts for student away at school, safe vehicle, passive restraint, defensive driving training, Steer Clear safe driver discount, accident-free, and driver’s education.

The example below visualizes the comparison of insurance costs with and without discounts. The premium estimates are based on a female driver, a clean driving record, no claims, North Carolina state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with multiple policy, passive restraint, defensive driving course, safe-driver, vehicle safety, and accident-free discounts applied. When these discounts are applied to the policy premium, the average savings per year on car insurance for a Honda Civic is 28% or $385.

Rate comparison of full coverage and liability-only

Finding cheaper car insurance should be important to most vehicle owners, and one good way to buy cheap insurance for a Honda Civic is to not pay for full coverage. The diagram below shows the difference between annual premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rate quotes are based on no claims or violations, $1,000 deductibles, drivers are single, and no additional discounts are factored in.

Averaged for all age groups, physical damage coverage costs $1,292 per year more than insuring for liability only. Many drivers will wonder if buying full coverage is worth the expense. There is no written rule that works best for making the decision to drop physical damage insurance, but there is a general guideline you can use. If the annual cost of coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then it might be time to buy liability only.

There are a few cases where dropping physical damage coverage is not recommended. If you haven’t satisfied your loan, you have to keep full coverage as part of the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.

How to find the cheapest car insurance for a Honda Civic

Below you’ll find many money-saving ideas that can help Greensboro drivers get lower-cost coverage.

• Claim-free drivers earn discounts
• Vehicles with good safety ratings are usually cheaper to insure
• Do not pay for full coverage on older vehicles
• Raise physical damage deductibles
• Buying car and homeowners insurance together can save money
• Good credit can mean cheaper rates
• Compare price quotes at least once a year

That final tip is particularly significant, as was pointed out in the prior information. Auto insurance rates in Greensboro can change in a short period of time, so drivers shouldn’t hesitate to buy from a new company if a more affordable price is available.

Staying with the same company for years is fine, but it isn’t a good idea if that loyalty ends up costing several hundred dollars every year. It takes less than five minutes to compare rates to find cheaper insurance for a Honda Civic.

If you aren’t sure which coverage to buy and prefer to have a consultation when shopping around for cheaper insurance for a Honda Civic, the agents shown below are a good start to help you determine which coverage meets your needs best. To locate a Greensboro insurance agent closest to you, click the button below the list.

More insurance agents in Greensboro, NC