Cheapest Insurance for a Honda Civic in Hawaii
When discussing auto insurance, the words “cheap” or “affordable” should not be used anywhere to describe car insurance prices. It’s just reality that cheap auto insurance for a Honda Civic can be hard, if not impossible, to find. Don’t let that spoil your day, because we will teach you how you can still find and buy car insurance that is cheaper than what you have now.
Buying affordable car insurance for a Honda Civic in Hawaii hinges on lots of different factors like whether you use your Civic for business use, if you have a coverage lapse, and violations on your driving record. Drivers in Hawaii will pay on average $1,010 a year to buy insurance for a Honda Civic, but that rate is a valuation using a 40-year-old married male that has full coverage and $100 deductibles.
It’s highly likely that you are not 40 and maybe not even a male, maybe you are single instead of married, and maybe you have sub-par credit that needs to be factored in. Car insurance prices are based on the driver profile your best chance at finding the cheapest rates for your Honda is to put in the effort to do a thorough rate comparison.
The specific trim level can impact the insurance rate, so the rate you pay to insure a Civic DX 4-Dr Sedan trim level will cost $348 less than the cost to insure the more costly Civic SI 2-Dr Coupe version, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Civic DX 4-Dr Sedan||$180||$378||$272||$16||$82||$928||$77|
|Civic VP 4-Dr Sedan||$180||$446||$272||$16||$82||$996||$83|
|Civic LX 4-Dr Sedan||$180||$446||$272||$16||$82||$996||$83|
|Civic DX 2-Dr Coupe||$180||$446||$340||$20||$102||$1,088||$91|
|Civic EX 4-Dr Sedan||$180||$446||$272||$16||$82||$996||$83|
|Civic LX-S 4-Dr Sedan||$180||$446||$272||$16||$82||$996||$83|
|Civic LX 2-Dr Coupe||$180||$514||$340||$20||$102||$1,156||$96|
|Civic EX-L 4-Dr Sedan||$208||$514||$272||$16||$82||$1,092||$91|
|Civic SI 4-Dr Sedan||$208||$514||$272||$16||$82||$1,092||$91|
|Civic EX 2-Dr Coupe||$208||$514||$340||$20||$102||$1,184||$99|
|Civic GX 4-Dr Sedan||$208||$514||$272||$16||$82||$1,092||$91|
|Civic EX-L 2-Dr Coupe||$208||$514||$340||$20||$102||$1,184||$99|
|Civic Hybrid 4-Dr Sedan||$234||$446||$272||$16||$82||$1,050||$88|
|Civic SI 2-Dr Coupe||$234||$580||$340||$20||$102||$1,276||$106|
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Data variables include married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Hawaii minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Prices do not factor in the specific area where the vehicle is garaged which can alter rates noticeably.
Buying coverage from the top insurer is hard considering how many choices you have in Hawaii. The company rank data displayed below can help you choose which auto insurers you want to consider comparing price quotes from.
The ratings below are only made up of companies with a nationwide focus, so companies that focus mainly on Hawaii business are not taken into consideration for these rankings. To check rates and find the cheapest rates for a Honda Civic, just click here.
|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
Types of discounts on Hawaii insurance
Insurance providers that provide the cheapest insurance for a Honda Civic in Hawaii may also provide rate discounts that may potentially lower prices by as much as 30% if you qualify for them. A list of car insurance companies and the discounts they provide include:
- Farm Bureau offers discounts for youthful driver, multi-vehicle, driver training, multi-policy, renewal discount, and 55 and retired.
- Liberty Mutual offers premium reductions for multi-policy, teen driver discount, good student, new move discount, and multi-car.
- State Farm may offer discounts for driver’s education, passive restraint, safe vehicle, student away at school, anti-theft, and accident-free.
- Auto-Owners Insurance offers discounts including air bags, group or association, anti-lock brakes, multiple vehicles, safe driver, teen driver, and safe vehicle.
- GEICO may have discounts that include five-year accident-free, anti-lock brakes, seat belt use, good student, and anti-theft.
- SAFECO has savings for drive less, multi-car, safe driver, anti-lock brakes, and anti-theft.
The diagram below compares annual premium costs with and without discounts applied to the policy premium. The information is based on a female driver, no claims or violations, Hawaii state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with accident-free, vehicle safety, passive restraint, claim-free, marriage, and homeowner discounts applied. When discounts are factored in, the average yearly reduction on car insurance for a Honda Civic is 28% or $455.
The information below illustrates how your choice of deductibles can affect yearly insurance costs when getting quotes for cheap insurance for a Honda Civic. The premiums assume a married female driver, full physical damage coverage, and no discounts are factored in.
The chart above illustrates that a 50-year-old driver could lower their policy premium by $250 a year by increasing from a $100 deductible to a $500 deductible, or save $378 by choosing a $1,000 deductible. Even younger insureds, like the age 20 example, have the ability to save up to $628 or even more by using higher deductibles when buying full coverage.
When increasing deductibles, it is essential to have enough savings to satisfy the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.
Full coverage rates compared to liability only
Finding the cheapest insurance for a Honda Civic in Hawaii is important to the majority of people, and one way to lower the cost of insurance is to buy liability only. The illustration below shows the difference between yearly insurance costs with liability coverage only compared to full coverage. The rate quotes are based on no accidents, no driving violations, $500 deductibles, drivers are single, and no discounts are applied to the premium.
If we average the cost for all age groups, physical damage coverage costs $1,666 per year more than buying just liability insurance. At some point, about every driver wonders if physical damage coverage is worth the money. There is no clear-cut rule of when to eliminate comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then you might want to consider buying only liability coverage.
For example, let’s assume your vehicle’s replacement value is $8,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, you would only receive $7,000 after paying the physical damage deductible. If it’s costing you more than $700 a year for full coverage, then you may want to consider only buying liability coverage.
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