Best Cheap Insurance Quotes for a Honda Civic in Michigan
When writing about shopping for auto insurance, the word affordable should not appear anywhere in the article. It’s a simple fact that cheap car insurance for a Honda Civic just does not exist. But don’t let us ruin your dream, because we are going to show you some ways you can still get car insurance that may not be cheap, but it is affordable.
The odds of finding cheaper car insurance for a Honda Civic in Michigan hinges on a very complex rating algorithm that uses multiple factors such as if you own the home you live in, if you are currently insured, and driving citations. Drivers on average will pay $2,480 each year to insure a Civic, but that figure is an approximation rating a 30-year-old married female driver that included full coverage and $250 deductibles.
There’s a high likelihood you may not be 30 years old (or even female), possibly single instead of married, or maybe you do not need full coverage. Even a slight difference in policy rating variables can cause big differences in the price of coverage.
Every policy is rated specifically for the driver, so the only real way to find the cheapest rates for your Honda is to get into the habit of shopping around regularly. Get a free quote now and you will receive prices from some of the best insurers in Michigan.
Your vehicle’s trim level tends to have a direct effect on the cost of insurance, so the price to insure a Civic DX 4-Dr Sedan model will be $844 less expensive the price to insure the more costly Civic SI 2-Dr Coupe model, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Civic DX 4-Dr Sedan||$450||$882||$704||$42||$210||$2,288||$191|
|Civic VP 4-Dr Sedan||$450||$1038||$704||$42||$210||$2,444||$204|
|Civic LX 4-Dr Sedan||$450||$1038||$704||$42||$210||$2,444||$204|
|Civic DX 2-Dr Coupe||$450||$1038||$880||$52||$264||$2,684||$224|
|Civic EX 4-Dr Sedan||$450||$1038||$704||$42||$210||$2,444||$204|
|Civic LX-S 4-Dr Sedan||$450||$1038||$704||$42||$210||$2,444||$204|
|Civic LX 2-Dr Coupe||$450||$1196||$880||$52||$264||$2,842||$237|
|Civic EX-L 4-Dr Sedan||$518||$1196||$704||$42||$210||$2,670||$223|
|Civic SI 4-Dr Sedan||$518||$1196||$704||$42||$210||$2,670||$223|
|Civic EX 2-Dr Coupe||$518||$1196||$880||$52||$264||$2,910||$243|
|Civic GX 4-Dr Sedan||$518||$1196||$704||$42||$210||$2,670||$223|
|Civic EX-L 2-Dr Coupe||$518||$1196||$880||$52||$264||$2,910||$243|
|Civic Hybrid 4-Dr Sedan||$584||$1038||$704||$42||$210||$2,578||$215|
|Civic SI 2-Dr Coupe||$584||$1352||$880||$52||$264||$3,132||$261|
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Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Michigan minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Rate quotes do not factor in garaging location in Michigan which can impact premiums substantially.
Best insurance in Michigan
Selecting a highly-rated insurer can be rather challenging considering how many different companies sell coverage in Michigan. The ranking information below could help you analyze which providers you want to consider when comparing auto insurance rates for a Honda Civic. These rankings are for the largest companies in the United States, so smaller companies are not factored into this list.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
How to get discounts on Michigan auto insurance rates
Auto insurance companies that sell the best cheap insurance for a Honda Civic in Michigan could also offer price discounts that could lower prices by as much as 35% or more if you meet eligibility requirements. A few of the larger companies and the discounts they provide are outlined below.
- American Family has discounts for accident-free, good student, air bags, mySafetyValet, early bird, Steer into Savings, and TimeAway discount.
- Nationwide discounts include accident-free, Farm Bureau membership, anti-theft, family plan, and defensive driving.
- MetLife has savings for good student, claim-free, defensive driver, multi-policy, accident-free, good driver
- 21st Century policyholders can earn discounts including automatic seat belts, defensive driver, 55 and older, air bags, and good student.
- Farmers Insurance offers discounts including alternative fuel, youthful driver, bundle discounts, homeowner, and electronic funds transfer.
- Allstate may have discounts that include good payer, resident student, FullPay discount, safe driver, premier discount, and farm vehicle.
The illustration below shows the comparison of insurance rates with and without policy discounts. The data is based on a female driver, no violations or accidents, Michigan state minimum liability limits, full physical damage 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 vehicle, passive restraint, homeowner, defensive driving course, vehicle safety, and accident-free discounts applied. In this example, the average amount saved each year on insurance for a Honda Civic is 28% or $1,144.
Rate difference between full and liability-only coverage
Finding the best cheap insurance for a Honda Civic in Michigan is probably important to the majority of people, and one of the easiest ways to pay lower rates for insurance is to not buy full coverage. The example below illustrates the difference between auto insurance rates with and without full coverage. The information is based on no violations or claims, $250 deductibles, drivers are not married, and no discounts are taken into consideration.
If all age groups are averaged, comp and collision coverage costs $4,867 per year more than carrying just liability coverage. That touches on the question if it’s worth it to buy full coverage. There is no specific rule to eliminate comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the annual cost of your full coverage insurance is more than about 10% of replacement cost minus your deductible, then it may be the right time to buy liability only.
Are you paying too much for car insurance?
Michigan insurance rates are calculated based on many things that control the price of your policy. Simply improving your credit, marrying your spouse, or having an at-fault accident can trigger rate changes that can make some companies cheaper than others. Not only may your risk profile change, but car insurance companies modify rates multiple times each year in order to offset underwriting gains or losses. Higher than normal claim frequency or severity may cause high rates, while a better claims history may result in lower-cost Civic insurance rates.
As an example, the bar chart below shows which company has the cheapest car insurance in Michigan for a 35-year-old female driver with no prior claims, no tickets, and solid credit. If we look at prices based on her personal profile, USAA might quote the lowest car insurance rates in Michigan at $949 a year. This is $1,444 less than the average premium paid by Michigan drivers of $2,393. GEICO, Safeco, MetLife, and Chubb are the remainder of the cheapest Michigan auto insurance companies.
Now we will pretend the driver from the first rate comparison a claim, slightly worse credit, and a couple of points charged on her driving record. Since each insurance company has a proprietary formula for setting prices, getting updated rate quotes may now show a different ranking of the cheapest car insurance companies in Michigan as shown below.
MEEMIC now has the lowest car insurance rate in Michigan with GEICO, Safeco, Hastings Mutual, and Auto-Owners now rounding out the top five. This illustrates why Michigan drivers need to compare many different companies when trying to find the cheapest auto insurance rates for a Honda Civic.
Auto insurance prices are determined by many factors and can change without notice, so the cheapest rate the last time you compared rates may now be priced much higher than other options.
How to find more affordable insurance for a Honda Civic
Lowering your rates is not difficult, and here are many penny-pinching suggestions that can help Michigan drivers find low-cost car insurance.
- Buying car and homeowners insurance together can save money
- Avoid at-fault accidents and claims
- Avoid filing small claims
- Violations and traffic tickets increase rates
- Buy vehicles with good safety ratings
- Shop around once a year for cheaper rates
The last item on the list is especially crucial, as we stressed in the article above. Prices charged by car insurance companies can change significantly in a year, so drivers shouldn’t be resistant to switch companies if a cheaper rate is available. Sticking with a specific company is fine, but is isn’t recommended if that loyalty ends up costing thousands of dollars over several years. In just a few minutes you could compare rates to find cheaper insurance for a Honda Civic.
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