Finding cheap auto insurance for a Honda Civic in Alabama depends upon a complicated equation that takes into consideration things such as if you are married or single, if you have a coverage lapse, and any past driving violations you may have had. Alabama drivers pay approximately $1,260 annually for Civic insurance, but that amount is a valuation that rates a 40-year-old single female driver that included full physical damage coverage and $500 policy deductibles.
There is a good possibility you’re not a 40-year-old female, married instead of single, and you possibly have other drivers on your policy that need factored in. There is no one cookie-cutter policy that works for everyone, so the best way to find the cheapest rates for your Honda is to put in the effort and compare rates. It only takes a couple of minutes and you will receive price comparisons from some of the cheapest companies available.
The trim level of your vehicle will have an impact price, so the price you will pay to insure a Civic DX 4-Dr Sedan trim level will be $414 lower than the price to insure the higher-end Civic SI 2-Dr Coupe trim level, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Civic DX 4-Dr Sedan||$178||$400||$438||$26||$132||$1,174||$98|
|Civic VP 4-Dr Sedan||$178||$472||$438||$26||$132||$1,246||$104|
|Civic LX 4-Dr Sedan||$178||$472||$438||$26||$132||$1,246||$104|
|Civic DX 2-Dr Coupe||$178||$472||$548||$32||$164||$1,394||$116|
|Civic EX 4-Dr Sedan||$178||$472||$438||$26||$132||$1,246||$104|
|Civic LX-S 4-Dr Sedan||$178||$472||$438||$26||$132||$1,246||$104|
|Civic LX 2-Dr Coupe||$178||$542||$548||$32||$164||$1,464||$122|
|Civic EX-L 4-Dr Sedan||$204||$542||$438||$26||$132||$1,342||$112|
|Civic SI 4-Dr Sedan||$204||$542||$438||$26||$132||$1,342||$112|
|Civic EX 2-Dr Coupe||$204||$542||$548||$32||$164||$1,490||$124|
|Civic GX 4-Dr Sedan||$204||$542||$438||$26||$132||$1,342||$112|
|Civic EX-L 2-Dr Coupe||$204||$542||$548||$32||$164||$1,490||$124|
|Civic Hybrid 4-Dr Sedan||$230||$472||$438||$26||$132||$1,298||$108|
|Civic SI 2-Dr Coupe||$230||$614||$548||$32||$164||$1,588||$132|
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Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Alabama minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Information does not factor in specific garaging location which can revise coverage prices significantly.
Finding dependable, cheap insurance is hard enough, and deciding which insurers offer the cheapest insurance rates for a Honda Civic will require even more shopping around. Each company has a proprietary method for setting prices, so let’s begin by taking a look at the insurance companies with the most affordable rates in Alabama.
We do need to point out that Alabama insurance rates are determined by lots of factors which can substantially change the cost of having a policy. Events like a birthday, having a teenage driver, or getting a reckless driving citation may prompt premium changes that can cause some rates to be cheaper than competitors.
Cheap Insurance Rates for Your Honda
Travelers quotes some of the lowest car insurance rates in Alabama at around $791 each year. Cincinnati Insurance, USAA, GEICO, and Country also make the cut as some of the most economical Alabama car insurance companies.
As the rates illustrate above, if you buy coverage from USAA and switched to Travelers, you could earn an annual savings of upwards of $113. Insureds with GEICO may save as much as $228 a year, and Country customers might lower prices by $368 a year.
If you would like to find cheap insurance for a Honda Civic in Alabama, click here or quote rates from the companies below.
It’s important to note that these premiums are averages for all types of insureds and vehicles and and are not calculated with a specific rating modification for a Honda Civic. So the insurer that has the lowest price for you may not even be in the list above. That is why you need to get rate quotes using your own specific driver and vehicle information.
In a perfect world, the ideal way to snag the most affordable insurance premiums in Alabama for a Civic is to pay attention while driving and avoid traffic citations and accidents. The illustration below illustrates how speeding tickets and at-fault fender-benders increase car insurance rates for different age groups. The rate quotes are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no other discounts are factored in.
In the previous chart, the average cost of an auto insurance policy per year with no accidents or violations is $1,855. Get two speeding tickets and the average cost rises to $2,653, an increase of $798 each year. Then add in two accidents along with the two speeding tickets and the annual cost of insurance for a Honda Civic increases to an average of $5,465. That’s an increase of $3,609, or $301 per month, just for a couple of infractions!
If you are looking for the best insurance for a Civic in Alabama, four companies you’ll want quotes from are Geico, Progressive, Allstate, and State Farm. All of them offer physical damage and liability coverage, but each has unique features and discounts that may influence which company you choose. The next table compares and contrasts pricing and service ratings, plus some optional coverages offered by each one.
|Number of Discounts||2nd||4th||1st||3rd|
|Emergency roadside assistance||Yes||Yes||Yes||Yes|
|Rate for vehicle usage||No||Yes||Yes||Yes|
|Coverage for ridesharing||Yes||Yes||Yes||Yes|
|New car replacement||No||No||Yes||No|
|Insure in Alabama||Yes||Yes||Yes||Yes|
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Lowering your rates is not difficult, and here are many money-saving solutions that can help drivers locate lower-cost car insurance.
The last tip in the list is certainly valuable, as we emphasized in this article. Insurance prices can change significantly in a year, so don’t be unwilling to switch companies if you find a cheaper price.
Loyalty to a specific company is fine, but it isn’t a good idea if that devotedness results in you overpaying thousands of dollars over several years. If you have a few minutes, compare prices and find cheaper insurance for a Honda Civic.
You have a lot of ways to quote cheap insurance rates in Alabama, but the most common are from an exclusive insurance agency such as State Farm or Auto-Owners, an independent or non-exclusive agent, or from a direct company like Geico or Progressive. Each way has the same basic process, but it’s good to know the differences in how they provide rate quotes.
Independent insurance agencies have contracts with multiple insurance companies and can quote your policy with each one. These types of agencies do not write with just one company and can provide multiple price quotes, which may give you the best shot at cutting your rates. If your agent finds a cheaper company, the agent simply finds a different carrier which prevents you from having to switch agents.
A captive or exclusive agent is only able to place business with one company, two examples are a Liberty Mutual or State Farm agent. Exclusive agents cannot provide a range of price quotes, so you will not be able to compare their rates to other companies.
Buying direct means you forego a local agent and buy direct from companies such as Progressive or Esurance. This option may be preferred by families who have little risk and know what coverage limits and deductibles they need.
So what is the best way to buy cheap insurance for a Honda Civic in Alabama? Most people assume that buying from a direct car insurance company saves the most money because there is no agent involved, but in reality, that is not true. We’d also like to say using an independent agent guarantees the cheapest rates since they can provide multiple quotes, but that’s not always true, either. For the right applicant, the exclusive agents have price quotes well below independent agents AND direct companies.
Since insurance prices are based on many different factors, the best way to get the lowest rate is to obtain price quotes and compare them. Take some time and get price quotes from independent, exclusive, and direct in order to find the best price. For a list of companies with online discounts, click here to view.