How Much are Insurance Quotes for a Honda Civic in Maine?

The chances of finding affordable auto insurance for a Honda Civic in Maine depends on a complex equation that considers factors such as the safety features of your vehicle, your geographic location, and if you had any at-fault accidents in the last few years. Maine drivers pay on average $630 annually to buy Honda Civic insurance, but that figure is an estimation assuming a 50-year-old married female that included full physical damage coverage and $250 policy deductibles.

Most likely you are not 50 and possibly not even female, single instead of married, or maybe you’ve had an at-fault accident or two. Each driver has unique rating factors, so the most reliable method for finding the cheapest coverage for your Honda is to shop around at every renewal for lower rates.

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The specific model of Civic will influence the cost of coverage, so the price to insure a Civic DX 4-Dr Sedan model will be $212 cheaper than the insurance cost for the fancier Civic SI 2-Dr Coupe version, as shown by the rates below.

Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Maine minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Rate quotes do not factor in vehicle garaging location which can impact premium rates considerably.

Establishing which companies have the cheapest auto insurance rates for a Honda Civic will take a tad more effort in order to find the lowest price quote. Each auto insurance company has their own guidelines to determine rates, so let’s take a look at the auto insurance companies with the most affordable rates in Maine.

It’s important that readers know that Maine auto insurance rates are impacted by many things which can significantly increase or decrease the price you have to pay for coverage. Turning one year older, becoming a homeowner, or having an accident may cause policy rate changes resulting in some companies being cheaper in comparison to the competition.

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Travelers has some of the cheapest car insurance rates in Maine at around $624 each year. USAA, Vermont Mutual, Countryway Insurance, and Patriot also make the cut as some of the cheaper Maine insurance companies.

As depicted above, if you are a customer of Countryway Insurance and switched to Travelers, you could earn a yearly savings of in the neighborhood of $96. Insureds with Patriot could save as much as $114 a year, and The Hartford insureds might lower prices by $118 a year.

Remember that these policy rates are averaged for all drivers and vehicles in Maine and are not factoring in a specific rate factor for a Honda Civic. So the insurer that can offer you the best rate may not even be included in the rate chart shown above. That point stresses why you need to compare prices as often as possible using your own individual information.

The example below shows how different deductible levels can affect insurance prices when trying to find cheap insurance for a Honda Civic. The premiums assume a married male driver, comprehensive and collision coverage, and no discounts are factored in.

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As shown above, a 30-year-old driver could save $204 a year by increasing from a $100 deductible up to a $500 deductible, or save $306 by changing to a $1,000 deductible. Youthful drivers, such as the Age 20 example, can cut up to $630 or even more by selecting a higher deductible. When using a larger deductible, it will now be necessary to have enough in a savings account to satisfy the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

Which major car insurance company is best?

When researching insurance for a Civic in Maine, the four most popular companies are Geico, Progressive, State Farm, and Allstate. Combined they make up 48.5% of the entire U.S. market share. All four can cover your vehicle for liability and physical damage, but each one has a slightly different set of options and discounts that drivers can select from. The next table ranks ratings and policy coverage options offered by each one.