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Cheap Insurance Quotes for a Honda Civic in North Dakota

Buying cheaper coverage for a Honda Civic in North Dakota depends on a lot of things like the safety features of your vehicle, your geographic location, and any driving offenses on your record. North Dakota drivers pay approximately $1,010 a year for Civic insurance, but that figure is a projection calculated using a 50-year-old single male driver who requires full physical damage coverage and $500 deductibles.

Odds are that you are not 50 years old and maybe not even male, you might be married instead of single, or maybe your North Dakota zip code is rated higher than the example. Even a slight change in policy rating variables can result in a big discrepancy in the cost of coverage for a Honda Civic.

Each driver’s needs are different, and that demonstrates why the only way to find the cheapest rates for your Honda is to start the habit of comparing rates at least once a year.

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The specific model of Civic will have an impact price, so the rate you will pay to insure a Civic DX 4-Dr Sedan model will be $334 less than the cost to insure the higher-priced Civic SI 2-Dr Coupe version, as demonstrated by the prices below.

Honda Civic Insurance Rates in North Dakota
ModelCompCollisionLiabilityMedicalUM/UIMAnnual PremiumMonthly Premium
Civic DX 4-Dr Sedan$142$328$342$20$102$934$78
Civic VP 4-Dr Sedan$142$386$342$20$102$992$83
Civic LX 4-Dr Sedan$142$386$342$20$102$992$83
Civic DX 2-Dr Coupe$142$386$428$26$128$1,110$93
Civic EX 4-Dr Sedan$142$386$342$20$102$992$83
Civic LX-S 4-Dr Sedan$142$386$342$20$102$992$83
Civic LX 2-Dr Coupe$142$444$428$26$128$1,168$97
Civic EX-L 4-Dr Sedan$164$444$342$20$102$1,072$89
Civic SI 4-Dr Sedan$164$444$342$20$102$1,072$89
Civic EX 2-Dr Coupe$164$444$428$26$128$1,190$99
Civic GX 4-Dr Sedan$164$444$342$20$102$1,072$89
Civic EX-L 2-Dr Coupe$164$444$428$26$128$1,190$99
Civic Hybrid 4-Dr Sedan$184$386$342$20$102$1,034$86
Civic SI 2-Dr Coupe$184$502$428$26$128$1,268$106
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Data rating is based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and North Dakota minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Table data does not factor in garaging location in North Dakota which can revise prices significantly.

Buying budget auto insurance is not the easiest thing to do, and finding out which company quotes the cheapest auto insurance rates for a Honda Civic will take even more diligence.

Every insurance company uses a different method for filing rates in each state, so let’s take a look at the auto insurance companies that tend to be cheaper in North Dakota.

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Cheapest auto insurance in North Dakota ranked by cost per year
RankCompanyCost Per Year
3Nodak Mutual$956
5State Farm$1,108
8State Auto$1,353
10American Family$1,477
11Auto Club Group$1,488
15National Farmers Union$1,753
16North Star$2,004
19Liberty Mutual$2,375
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USAA may have some of the most affordable car insurance rates in North Dakota at around $732 each year. Allied, Nodak Mutual, Grinnell, and State Farm would also make the list of some of the cheapest North Dakota car insurance companies.

As shown in the table above, if you currently have a policy with Grinnell and switched to Allied, you might realize an annual premium reduction of in the neighborhood of $145. Drivers with State Farm might save as much as $214 a year, and Safeco customers might lower prices by up to $274 a year.

To find cheap insurance for a Honda Civic in North Dakota for your vehicle, click here to start a quote or quote rates from the companies below.

Remember that these rates are averages across all drivers and vehicles in North Dakota and do not factor in a specific rate factor for a Honda Civic. So the auto insurance company that fits you best may not even be in the list of companies shown earlier. That points out the importance of why you need to quote rates from as many companies as possible using your own specific driver and vehicle information.

Full coverage versus liability-only in North Dakota

Finding cheap insurance for a Honda Civic in North Dakota is the goal of the majority of people, and one way to find cheap insurance is to not buy full coverage. The information below illustrates the comparison of car insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data assumes no claims or violations, $100 deductibles, drivers are not married, and no discounts are taken into consideration.

As an average for all age groups, comprehensive and collision coverage on your policy costs an extra $2,372 per year over having just liability coverage. That proposes the question if you should buy full coverage. There isn’t a written rule to stop paying for physical damage insurance, but there is a guideline you can use. If the yearly cost for physical damage coverage is about 10% or more of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.

There are a few cases where dropping full coverage is not recommended. If you still have a lienholder on your title, you are required to maintain full coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not buy liability only.

Don’t make the mistake of not shopping around

North Dakota auto insurance rates are calculated based on many things that can increase your annual premium. Simply having a birthday, buying a different home, or getting into an accident may cause policy rate changes that can cause some rates to be more affordable than the competition.

Not only that, but auto insurance companies change their prices at least once a year to help ensure profitability. Heavier than normal losses can cause more expensive prices, while a lower level of claims may produce lower-cost Civic insurance rates.

To illustrate this point, the graph below shows rates for the cheapest car insurance in North Dakota for a 40-year-old male driver with a clean driving record, no accidents, and a high credit rating. If we compare prices based on his current risk profile, USAA offers the most affordable car insurance rates in North Dakota at $704 per year. This is $958 less than the average premium paid by North Dakota drivers of $1,662. Allied, Nodak Mutual, Grinnell, and Safeco are also included in the best North Dakota auto insurance companies.

In this example, we will give the driver from above a chargeable claim, bad credit, and a couple of points charged on his driving record. Due to the fact that every insurance company has a proprietary method for establishing rates, analyzing rates most likely will result in a slightly different list of the cheapest companies as shown below.

State Auto now has the lowest price on auto insurance in North Dakota with Allied, Progressive, Nodak Mutual, and Auto-Owners now rounding out the top five. This shows why it is so important to perform an extensive rate comparison to get the most budget-friendly insurance rates for a Honda Civic. Rates consist of many things and can change without notice, so the most affordable company the last time you compared rates may now cost much more than other companies.

How to find economical insurance for a Honda Civic

The list below summarizes a few penny-pinching ideas that can help you get cheap coverage.

  • Drive safe vehicles
  • Save money by insuring older vehicles for liability only
  • Multi-policy discounts save money
  • Increase physical damage deductibles
  • Good credit scores may make rates cheaper
  • Frequent claims may make car insurance unaffordable
  • Shop around and save

The last item on the list is extremely critical, as we stressed in the article above. Coverage prices can change in a short period of time, so drivers shouldn’t be reluctant to buy a policy from a new company if a more affordable price is available.

Many consumers stick with the same company and that’s fine, but is isn’t recommended if your bullheadedness ends up costing you thousands of dollars over several years. Take a few minutes and shop around and find cheaper car insurance for a Honda Civic.

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