Best Cheap Insurance Quotes for a Honda Civic in New Hampshire
Enter your New Hampshire zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 9, 2019
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When the topic is auto insurance, the words cheap or affordable shouldn’t be used as a descriptor for auto insurance rates. Nonetheless, cheap auto insurance for a Honda Civic does not exist. Don’t let that spoil your day, because we will tell you how you can find coverage that fits into your budget.
Your ability to find the cheapest coverage for a Honda Civic in New Hampshire depends upon an enormous amount of rating factors such as whether you are single or married, whether or not you are currently insured, and the deductible amount you use. Drivers in New Hampshire pay on average $790 each year to insure their Civic, but that rate is a ballpark figure using rate data for a 50-year-old single male that includes both comprehensive and collision coverage and $500 deductibles.
There is a very good chance that you may not be 50 years old (or even male), possibly married instead of single, or maybe you have a violation on your driving record. Using even a minor difference in quote information may result in a big change in policy price.
Everyone has different rating factors, so the most reliable way to find affordable rates for your Honda is to make a habit of regularly comparing rates from other companies. To cut your rates now, get a free quote and you will receive prices from the best auto insurance companies that insure vehicles in New Hampshire.
The specific model of Civic tends to have a direct impact on the yearly cost, so the price you will pay to insure a Civic DX 4-Dr Sedan model will be $262 lower than the insurance cost for the higher-priced Civic SI 2-Dr Coupe trim level, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Civic DX 4-Dr Sedan||$112||$256||$268||$16||$80||$732||$61|
|Civic VP 4-Dr Sedan||$112||$302||$268||$16||$80||$778||$65|
|Civic LX 4-Dr Sedan||$112||$302||$268||$16||$80||$778||$65|
|Civic DX 2-Dr Coupe||$112||$302||$336||$20||$100||$870||$73|
|Civic EX 4-Dr Sedan||$112||$302||$268||$16||$80||$778||$65|
|Civic LX-S 4-Dr Sedan||$112||$302||$268||$16||$80||$778||$65|
|Civic LX 2-Dr Coupe||$112||$348||$336||$20||$100||$916||$76|
|Civic EX-L 4-Dr Sedan||$128||$348||$268||$16||$80||$840||$70|
|Civic SI 4-Dr Sedan||$128||$348||$268||$16||$80||$840||$70|
|Civic EX 2-Dr Coupe||$128||$348||$336||$20||$100||$932||$78|
|Civic GX 4-Dr Sedan||$128||$348||$268||$16||$80||$840||$70|
|Civic EX-L 2-Dr Coupe||$128||$348||$336||$20||$100||$932||$78|
|Civic Hybrid 4-Dr Sedan||$144||$302||$268||$16||$80||$810||$68|
|Civic SI 2-Dr Coupe||$144||$394||$336||$20||$100||$994||$83|
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Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and New Hampshire minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Prices do not factor in the specific area where the vehicle is garaged which can raise or lower rates substantially.
Determining which companies have the best auto insurance rates for a Honda Civic calls for more time in order to find the lowest price.
Every car insurance company has a unique formula for establishing rates, so let’s examine the most budget-friendly auto insurance companies in New Hampshire. We do need to point out that New Hampshire auto insurance rates are impacted by many things that will increase or decrease the price you pay. Getting older, moving to a different location, or getting a speeding ticket may cause policy rate changes that may make certain companies cheaper than others.
|Rank||Company||Cost Per Year|
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Travelers offers some of the cheapest car insurance rates in New Hampshire at around $695 annually. Concord, Patriot, USAA, and Amica would also be considered some of the more affordable New Hampshire insurance companies.
As shown in the rates above, if you have coverage with Concord and switched to Travelers, you might achieve an annual savings of in the neighborhood of $17. Drivers with Patriot might save as much as $93 a year, and USAA policyholders might lower prices by $159 a year.
To find the best cheap insurance for a Honda Civic in New Hampshire for your vehicle, click here to get a free quote or quote rates from the companies below.
Enter your zip code below to view companies that have cheap auto insurance rates.
These estimates are averages for all drivers and vehicles in New Hampshire and and are not calculated with a specific rate value for a Honda Civic. So the company that can offer the best rates for your situation may not even be shown in the rate chart shown above. That helps illustrate why you need to quote rates from as many companies as possible using your own driver data and vehicle information.
Comparison of full coverage and liability-only policies
Finding the best cheap insurance for a Honda Civic in New Hampshire is probably important to most vehicle owners, and one of the quickest ways to save on the cost of insurance is to not buy comprehensive and collision coverage. The diagram below compares insurance costs with full physical damage coverage and with liability coverage only. The price estimates are based on a clean driving record, no claims, $250 deductibles, single status, and no other discounts are factored in.
If averaged out across all ages, comprehensive and collision coverage on your policy costs $1,689 per year more than just buying liability only. That amount may make you wonder if paying for full coverage is worth it. There is no exact formula of when to stop paying for physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of having full coverage is about 10% or more of the replacement cost minus the deductible, then it may be the right time to buy liability only.
There are a few situations where dropping physical damage coverage is not a good plan. If you have an outstanding loan on your vehicle, you are required to maintain full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should not eliminate full coverage.
How to get discounts on New Hampshire auto insurance
Auto insurance companies that provide the best cheap insurance for a Honda Civic in New Hampshire may also give you rate discounts that could potentially reduce rates by 30% or more if you are eligible. A few popular companies and a selection of discounts are detailed below.
|Discount||Allstate||Geico||Progressive||State Farm||Liberty Mutual||Nationwide||Farmers|
|Active duty military||No||Yes||Yes||Yes||No||No||Yes|
|Pay in full||Yes||Yes||Yes||No||Yes||Yes||Yes|
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The chart below shows the difference between insurance prices with and without discounts applied to the policy rates. The rates are based on a female driver, no claims or violations, New Hampshire state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with safe-driver, anti-theft, claim-free, defensive driving course, homeowner, and passive restraint discounts applied. When these discounts are applied to the policy premium, the average amount saved each year on auto insurance for a Honda Civic is % or $.
How to find budget-friendly car insurance for a Honda Civic
It is possible to find better rates, and here are some money-saving solutions that can help New Hampshire drivers locate cheap car insurance.
- Drop full coverage on older vehicles
- Improve your credit score
- Bundle home and auto and save
- Vehicles with good safety ratings are usually cheaper to insure
- Avoid accidents
- Compare rates regularly to ensure the best deal
That last idea is notably critical, as was affirmed in this piece. Auto insurance rates in New Hampshire vary considerably, so you should be ready to change insurance companies if a lower-cost policy is available.
Many drivers prefer to stick with one company, but is isn’t recommended if that faithfulness ends up costing you hundreds every year. If you have a few minutes, now is a great time to compare prices to find cheaper auto insurance for a Honda Civic.
Geico vs Progressive vs State Farm vs Allstate
When buying auto insurance, four companies to consider are Geico, Progressive, State Farm, and Allstate. The data below breaks down some of the different options that may be available in New Hampshire.
|Uber and Lyft insurance||Yes||Yes||Yes||Yes|
|Accident forgiveness coverage||Yes||Yes||No||Yes|
|New car replacement||No||No||No||Yes|
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