How Much are Insurance Quotes for a Honda Civic in Minnesota?
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UPDATED: Nov 12, 2019
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Whether or not you can find cheap insurance for a Honda Civic in Minnesota is dependent upon an enormous amount of rating factors such as your marital status, if you have a tendency to file claims, and citations or violations on your driving record. Minnesota drivers pay an average of $1,170 each year to insure their Civic, but that price is an estimation based on cost data for a 30-year-old single male who purchased full coverage including both comprehensive and collision and $500 deductibles.
But there is a high likelihood that you are not 30 and possibly not even male, maybe you are married instead of single, and there is a good chance that there are other drivers on your policy. Even a slight difference in quote information can cause significant differences in the policy cost.
Each driver’s needs are different, and that demonstrates why your best shot at finding the most affordable coverage for your Honda is to compare as many rates as possible.
The specific model of Civic has an effect on the coverage cost, so the price to insure a Civic DX 4-Dr Sedan model will be $378 less than the price to insure the high end Civic SI 2-Dr Coupe trim level, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Civic DX 4-Dr Sedan||$198||$334||$416||$24||$124||$1,096||$91|
|Civic VP 4-Dr Sedan||$198||$392||$416||$24||$124||$1,154||$96|
|Civic LX 4-Dr Sedan||$198||$392||$416||$24||$124||$1,154||$96|
|Civic DX 2-Dr Coupe||$198||$392||$520||$30||$156||$1,296||$108|
|Civic EX 4-Dr Sedan||$198||$392||$416||$24||$124||$1,154||$96|
|Civic LX-S 4-Dr Sedan||$198||$392||$416||$24||$124||$1,154||$96|
|Civic LX 2-Dr Coupe||$198||$452||$520||$30||$156||$1,356||$113|
|Civic EX-L 4-Dr Sedan||$228||$452||$416||$24||$124||$1,244||$104|
|Civic SI 4-Dr Sedan||$228||$452||$416||$24||$124||$1,244||$104|
|Civic EX 2-Dr Coupe||$228||$452||$520||$30||$156||$1,386||$116|
|Civic GX 4-Dr Sedan||$228||$452||$416||$24||$124||$1,244||$104|
|Civic EX-L 2-Dr Coupe||$228||$452||$520||$30||$156||$1,386||$116|
|Civic Hybrid 4-Dr Sedan||$256||$392||$416||$24||$124||$1,212||$101|
|Civic SI 2-Dr Coupe||$256||$512||$520||$30||$156||$1,474||$123|
|Get Your Own Custom Quote Go|
Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Minnesota minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Rate quotes do not factor in your specific Minnesota location which can modify prices considerably.
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Best car insurance company in Minnesota
Picking the right auto insurance company is hard considering how many companies sell coverage in Minnesota. The company information shown next can help you pick which providers you want to consider when comparing rate quotes. The ratings below only include insurance companies that insure vehicles in the majority of U.S. states, so companies without a large exposure are not taken into consideration for these rankings.
Top 10 Large Car Insurance Companies in Minnesota Ranked by A.M. Best Rating
- USAA – A++
- GEICO – A++
- Travelers – A++
- State Farm – A++
- Esurance – A+
- Allstate – A+
- The Hartford – A+
- Nationwide – A+
- Progressive – A+
- The General – A-
Top 10 Large Car Insurance Companies in Minnesota Ranked by Customer Service
- State Farm
- Safeco Insurance
- American Family
- Liberty Mutual
- The Hartford
Top Companies for Honda Civic Insurance in Minnesota
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Full coverage rates compared to liability only
Finding cheap insurance for a Honda Civic in Minnesota is important to the majority of drivers, and one of the quickest ways to buy cheap insurance is to not buy full coverage. The illustration below illustrates the comparison of insurance prices when comparing full coverage to liability only. The price estimates are based on a clean driving record, no at-fault accidents, $100 deductibles, drivers are single, and no policy discounts are applied.
Averaged for all ages 20 through 70, physical damage insurance costs an extra $2,279 per year more than just buying liability only. At some point, about every driver wonders if you should buy full coverage. There is no set rule to exclude full coverage on your policy, but there is a general school of thought. If the yearly cost of full coverage is about 10% or more of the replacement cost minus the deductible, then you may need to consider dropping full coverage.
Illustration showing the impact of accidents and violations
A great way to earn cheap insurance for a Honda Civic in Minnesota is to be a safe driver and avoid accidents and keep your driving record clean. The example below shows how speeding tickets and accident claims drive up car insurance costs for each different age category. The premiums are based on a single female driver, comp and collision included, $100 deductibles, and no discounts are applied to the premium.
The chart shows that the average cost of an auto insurance policy in Minnesota per year with no violations or accidents is $2,155. Get written up for one speeding ticket and the average cost hikes up to $2,441, an increase of $286 each year. Then include two accidents along with the one speeding ticket and the 12-month cost of car insurance for a Honda Civic jumps again to an average of $4,845. That’s an increase of $2,690, or $224 per month, just for not being a responsible driver!
Discounts on cheap insurance for a Honda Civic in Minnesota
Insurance companies that offer quotes for a Honda Civic may have special discounts that can lower rates by 25% or more if you meet specific criteria. Companies and a selection of discounts are detailed below.
- Farmers Insurance has savings for business and professional, teen driver, youthful driver, distant student, electronic funds transfer, and alternative fuel.
- Esurance may offer discounts for emergency road assistance, paid-in-full, claim free, online quote, Switch & Save, Pac-12 alumni, and anti-lock brakes.
- State Farm offers discounts including safe vehicle, driver’s education, accident-free, multiple policy, good driver, student away at school, and Drive Safe & Save.
- GEICO discounts include membership and employees, emergency military deployment, federal employee, air bags, and multi-vehicle.
- Allstate has discounts for good payer, utility vehicle, FullPay discount, senior citizen, multi-policy, 55 and retired, and eSmart discount.
The illustration below visualizes the comparison of yearly insurance costs with and without discounts applied to the policy premium. The information is based on a male driver, no driving violations, no at-fault accidents, Minnesota state minimum liability limits, full coverage, and $500 deductibles.
The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with accident-free, anti-theft, multiple vehicle, vehicle safety, multiple policy, and claim-free discounts applied. When discounts are factored in, the average amount saved on car insurance for a Honda Civic is 28% or $580.
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