Finding competitive insurance for a Honda Civic is pretty straightforward, but it relies on a lot of rating factors such as whether you are married or single, your profession, and any past driving violations you may have had. Wisconsin drivers will pay on average $925 annually to insure their Civic, but that cost is an approximation calculated based on a 50-year-old single female driver with both comprehensive and collision coverage and $100 deductibles.
It’s more than likely you’re not a 50-year-old female, you might be married instead of single, or maybe you’re a renter instead of a homeowner. Insurance is an individual thing, so the way we recommend to find cheap auto insurance rates for your Honda is to compare as many rates as possible.
Your vehicle’s trim level will be a contributing factor to the coverage cost, so the rate you pay to insure a Civic DX 4-Dr Sedan model will cost $320 less than the insurance cost for the more costly Civic SI 2-Dr Coupe model, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $148 | $350 | $260 | $16 | $78 | $852 | $71 |
| Civic VP 4-Dr Sedan | $148 | $412 | $260 | $16 | $78 | $914 | $76 |
| Civic LX 4-Dr Sedan | $148 | $412 | $260 | $16 | $78 | $914 | $76 |
| Civic DX 2-Dr Coupe | $148 | $412 | $324 | $20 | $98 | $1,002 | $84 |
| Civic EX 4-Dr Sedan | $148 | $412 | $260 | $16 | $78 | $914 | $76 |
| Civic LX-S 4-Dr Sedan | $148 | $412 | $260 | $16 | $78 | $914 | $76 |
| Civic LX 2-Dr Coupe | $148 | $476 | $324 | $20 | $98 | $1,066 | $89 |
| Civic EX-L 4-Dr Sedan | $170 | $476 | $260 | $16 | $78 | $1,000 | $83 |
| Civic SI 4-Dr Sedan | $170 | $476 | $260 | $16 | $78 | $1,000 | $83 |
| Civic EX 2-Dr Coupe | $170 | $476 | $324 | $20 | $98 | $1,088 | $91 |
| Civic GX 4-Dr Sedan | $170 | $476 | $260 | $16 | $78 | $1,000 | $83 |
| Civic EX-L 2-Dr Coupe | $170 | $476 | $324 | $20 | $98 | $1,088 | $91 |
| Civic Hybrid 4-Dr Sedan | $192 | $412 | $260 | $16 | $78 | $958 | $80 |
| Civic SI 2-Dr Coupe | $192 | $538 | $324 | $20 | $98 | $1,172 | $98 |
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Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Wisconsin minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Rate quotes do not factor in specific location which can impact premiums considerably.
Finding the highest-rated insurer can be difficult considering how many companies there are to choose from in Madison. The rank data displayed below could help you analyze which car insurance providers you want to consider to insure your vehicles. The ratings below only include large nationwide companies, so companies that focus mainly on Wisconsin business are not factored into the list.
| 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 |
| 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 |
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Data Source: Insure.com Best Car Insurance Companies
Liability only or full coverage
Reducing the cost of car insurance is probably important to the majority of drivers, and one common way to lower the cost of insurance for a Honda Civic is to not insure for full coverage. The chart below illustrates the difference between annual premium costs with full physical damage coverage compared to only buying the minimum liability limits required in Wisconsin. Data assumes a clean driving record, no at-fault accidents, $1,000 deductibles, marital status is single, and no policy discounts are applied.
If we average all the age groups together, physical damage insurance costs an additional $1,230 per year more than just buying liability insurance. That proposes the question if you should buy full coverage at all. There is no clear-cut formula that works best for making the decision to drop full coverage, but there is a general convention. If the yearly cost of full coverage is about 10% or more of the settlement you would receive from your company, then you may need to consider dropping full coverage.
For example, let’s say your vehicle’s replacement cost is $5,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would get paid by your company is $4,000 after you pay the deductible. If it’s costing in excess of $400 a year for physical damage coverage, then it may be the right time to buy liability only.
The example below illustrates how choosing a deductible can influence insurance costs when getting quotes for cheap insurance for a Honda Civic. The price estimates are based on a married female driver, full physical damage coverage, and no discounts are factored in.
The data above shows that a 50-year-old driver could cut expenses by $182 a year by changing from a $100 deductible to a $500 deductible, or save $272 by choosing a $1,000 deductible. Young drivers, like the Age 20 chart data, could roll back prices as much as $450 or more by choosing a higher deductible. If you do raise deductibles, it is a good idea to have plenty of money set aside to cover the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
Tips to find the cheapest auto insurance for a Honda Civic
The list below shows some of the recommended money-saving solutions that can help drivers get cheaper coverage.
- Avoid preventable accidents
- Raise comprehensive and collision coverage deductibles
- Try to remain claim-free
- Serious violations like DUI or reckless driving can increase rates dramatically
- Older vehicles may not need full coverage
- Comparison shop frequently
That last piece of advice is particularly vital, as was noted in the article above. Rates in Madison go up and down frequently, so you should be ready to switch companies if a better rate can be found. Having a favorite company is great, but it’s not recommended if that stubbornness costs you lots of hard earned cash every month. It only take a few minutes to shop around to find cheaper car insurance for a Honda Civic.
If you aren’t sure which coverage to buy and prefer to have the advice of a professional agent when comparing insurance rates for a Honda Civic, the agents shown below are willing to provide answers to your questions and help you determine which policy is best. To find an agent near you, click the button after the list or click here to compare rates now.
Allstate Insurance Agent: George McDevitt
4706 Cottage Grove Rd Ste 300 – Madison, WI 53716 – (608) 222-2411
Larry Sain – State Farm Insurance Agent
424 S Park St – Madison, WI 53715 – (608) 257-5132
R and S Insurance
1520 Vernon St – Madison, WI 53703 – (608) 251-0022
Steve Aune Agency, Inc. American Family Insurance
658 S Gammon Rd #202 – Madison, WI 53719 – (608) 274-9702