Who Has Cheap Insurance Quotes for a Honda Civic in Ohio?

Who Has Cheap Insurance Quotes for a Honda Civic in Ohio?

Buying affordable auto insurance for a Honda Civic in Ohio is dependent upon dozens of factors like the age of the Civic, where you live, and the deductible amount you use. Ohio drivers pay an average of $710 every 12 months to insure a Civic, but that amount is a projection that uses rate data for a 40-year-old married female with full coverage including both comprehensive and collision and $500 physical damage deductibles.

That rate won’t apply to everyone, because more than likely you may not be 40 years old (or even female), maybe you are single instead of married, and there is a good chance that other rated drivers impact the rate. Every driver has a different risk profile, so the best method for finding cheap insurance rates for your Honda is to start the habit of comparing rates at least once a year.

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The trim level of your Honda has an effect on the yearly cost, so the rate you pay to insure a Civic DX 4-Dr Sedan model will be $238 lower than the price to insure the more costly Civic SI 2-Dr Coupe version, as shown in the chart below.

Honda Civic Insurance Rates in Ohio
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $106 $234 $238 $14 $72 $664 $55
Civic VP 4-Dr Sedan $106 $276 $238 $14 $72 $706 $59
Civic LX 4-Dr Sedan $106 $276 $238 $14 $72 $706 $59
Civic DX 2-Dr Coupe $106 $276 $298 $18 $90 $788 $66
Civic EX 4-Dr Sedan $106 $276 $238 $14 $72 $706 $59
Civic LX-S 4-Dr Sedan $106 $276 $238 $14 $72 $706 $59
Civic LX 2-Dr Coupe $106 $316 $298 $18 $90 $828 $69
Civic EX-L 4-Dr Sedan $122 $316 $238 $14 $72 $762 $64
Civic SI 4-Dr Sedan $122 $316 $238 $14 $72 $762 $64
Civic EX 2-Dr Coupe $122 $316 $298 $18 $90 $844 $70
Civic GX 4-Dr Sedan $122 $316 $238 $14 $72 $762 $64
Civic EX-L 2-Dr Coupe $122 $316 $298 $18 $90 $844 $70
Civic Hybrid 4-Dr Sedan $138 $276 $238 $14 $72 $738 $62
Civic SI 2-Dr Coupe $138 $358 $298 $18 $90 $902 $75
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Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Prices do not factor in garaging location in Ohio which can increase or decrease coverage rates significantly.

Buying coverage from a high-quality car insurance provider is difficult considering how many different companies there are to choose from in Ohio. The rank data listed below may help you choose which car insurance providers to look at purchasing coverage from. These rankings are only comprised of the largest companies in the United States, so smaller companies that only insure vehicles in Ohio are not taken into consideration for this list.

Top Car Insurance Companies for a Honda Civic
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

Rate comparison of full coverage and liability-only

Finding cheap insurance for a Honda Civic in Ohio is the goal of most vehicle owners, and a great way to find cheap insurance is to buy only liability coverage. The chart below illustrates the comparison of insurance rates with full coverage and liability only. The costs are based on no tickets, no at-fault accidents, $100 deductibles, marital status is single, and no discounts are factored in.

Averaged for all age groups, comprehensive and collision coverage on your policy costs $1,785 per year over and above liability coverage. That proposes the question when is it safe to stop buying full coverage. There is no exact rule to eliminate physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then you might want to consider buying only liability coverage.

Discount Ohio insurance rates

Cheaper Ohio car insurance for a CivicInsurance providers that sell cheap insurance for a Honda Civic in Ohio may also give you discounts that could reduce prices by as much as 25% or more if you meet eligibility requirements. A few of the larger companies and some of their more popular discounts are detailed below.

  • State Farm includes discounts for accident-free, good driver, defensive driving training, anti-theft, Drive Safe & Save, and safe vehicle.
  • Farmers Insurance offers discounts including homeowner, business and professional, electronic funds transfer, distant student, and pay in full.
  • Progressive may include discounts for good student, online quote discount, multi-vehicle, continuous coverage, online signing, and homeowner.
  • GEICO has savings for membership and employees, defensive driver, federal employee, good student, emergency military deployment, multi-vehicle, and anti-lock brakes.
  • Auto-Owners Insurance may offer discounts for multi-policy, company car, safe driver, mature driver, and paid in full.
  • The Hartford discounts include vehicle fuel type, anti-theft, air bag, good student, bundle, and defensive driver.
  • Farm Bureau may have discounts that include renewal discount, driver training, good student, youthful driver, multi-policy, 55 and retired, and safe driver.
  • USAA has discounts for annual mileage, military installation, family discount, vehicle storage, and safe driver.

The chart below illustrates the difference between insurance premiums with and without some available policy discounts. The price estimates are based on a male driver, no claims, a clean driving record, Ohio state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with homeowner, anti-theft, multiple vehicle, safe-driver, claim-free, and defensive driving course discounts applied. When drivers qualify for the discounts, the average amount saved each year on car insurance for a Honda Civic is 28% or $455.

Ideas to find economical car insurance for a Honda Civic

The list below details some penny-pinching solutions that can help you find the cheapest auto insurance.

  • Higher comprehensive and collision coverage deductibles will save money
  • Better credit rating means better rates
  • Violations like speeding or DUI increase rates
  • At-fault accidents will increase rates
  • Vehicles with good safety ratings have lower liability rates
  • Look for cheaper rates once a year by shopping around

That last piece of advice is highly vital, as we stressed in the prior information. Car insurance rates can be changed at any time, so drivers shouldn’t be resistant to buy a policy from a new company if a more affordable rate is found.

Loyalty to a specific company is fine, but it’s not a great idea if that inflexibility results in costing you a small fortune year after year. Take a few minutes and compare prices to find cheaper auto insurance for a Honda Civic.

Company comparison: Allstate vs Geico vs Progressive vs State Farm

If you want the best insurance for a Civic in Ohio, four good companies to start with are Allstate, Geico, Progressive, and State Farm. Combined they have nearly half of all car insurance policies written. The table below ranks some of the different options that policyholders can buy.

Top U.S. Car Insurance Company Ratings
Allstate Geico Progressive State Farm
Overall Cost 4th 1st 3rd 2nd
Claims Rank 1st 3rd 4th 2nd
Number of Discounts 1st 2nd 4th 3rd
Client Satisfaction 2nd 1st 3rd 4th
U.S. market share 10% 11.4% 8.8% 18.3%
A.M. Best rating A+ A++ A+ A++
Accident forgiveness coverage Yes Yes Yes No
Roadside assistance Yes Yes Yes Yes
Breakdown insurance No Yes Yes No
New car replacement Yes No No No
Rideshare insurance Yes Yes Yes Yes
Usage-based insurance Yes No Yes Yes
Where to buy Allstate exclusive agents Both online and from Geico agents Online or from independent agents Can only buy from State Farm agents
Number of agents 11,000+ 150+ 30,000+ 18,000+
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