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How Much is Insurance for a Honda Civic in Alabama?

Because the topic is auto insurance, the words “affordable” or “cheap” should not be used anywhere in the article to describe car insurance prices. Unfortunately, cheap auto insurance for a Honda Civic is almost non-existent. But don’t let us ruin your dream, because we will tell you how you can still get coverage that is cheaper than your current policy.

The odds of finding cheaper car insurance for a Honda Civic in Alabama relies on a whole bunch of rating criteria such as the safety features built into your vehicle, your occupation, and if you have a clean driving record. Alabama drivers on average will pay $1,050 a year to buy insurance for a Honda Civic, but that figure is a valuation based on rate data for a 50-year-old married female that has both comprehensive and collision coverage and $250 deductibles.

It’s highly likely that you are not a 50-year-old female, possibly single instead of married, or maybe your Alabama zip code is rated higher than the example. Every driver has a different risk profile, so the best way to find the cheapest rates for your Honda is to compare rates from as many companies as possible.

Compare Honda Civic Insurance Rates

Your vehicle’s trim level tends to have a direct effect on the cost of insurance, so the rate you pay to insure a Civic DX 4-Dr Sedan model will be $356 lower than the insurance cost for the more costly Civic SI 2-Dr Coupe trim level, as shown by the rates below.

Honda Civic Insurance Rates in Alabama
ModelCompCollisionLiabilityMedicalUM/UIMAnnual PremiumMonthly Premium
Civic DX 4-Dr Sedan$174$364$318$18$94$968$81
Civic VP 4-Dr Sedan$174$430$318$18$94$1,034$86
Civic LX 4-Dr Sedan$174$430$318$18$94$1,034$86
Civic DX 2-Dr Coupe$174$430$396$24$118$1,142$95
Civic EX 4-Dr Sedan$174$430$318$18$94$1,034$86
Civic LX-S 4-Dr Sedan$174$430$318$18$94$1,034$86
Civic LX 2-Dr Coupe$174$494$396$24$118$1,206$101
Civic EX-L 4-Dr Sedan$200$494$318$18$94$1,124$94
Civic SI 4-Dr Sedan$200$494$318$18$94$1,124$94
Civic EX 2-Dr Coupe$200$494$396$24$118$1,232$103
Civic GX 4-Dr Sedan$200$494$318$18$94$1,124$94
Civic EX-L 2-Dr Coupe$200$494$396$24$118$1,232$103
Civic Hybrid 4-Dr Sedan$226$430$318$18$94$1,086$91
Civic SI 2-Dr Coupe$226$560$396$24$118$1,324$110
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Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Alabama minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Rate quotes do not factor in specific location which can change coverage prices substantially.

Figuring out which companies offer the cheapest auto insurance rates for a Honda Civic will take more time in order to find the lowest price. Each insurance company uses a little different formula for setting prices, so we’ll take a look at the most budget-friendly auto insurance companies in Alabama.

It’s important to understand that Alabama auto insurance rates are based on many factors that control the price of coverage. Simply having a birthday, having a claim, or getting a ticket for running a stop sign can trigger rate changes resulting in some companies being cheaper than others.

Best Insurance Companies for Your Honda

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Cheapest insurance companies in Alabama
RankCompanyCost Per Year
2Cincinnati Insurance$836
9State Auto$1,373
11California Casualty$1,451
12State Farm$1,533
18Liberty Mutual$2,611
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Travelers may have some of the cheapest car insurance rates in Alabama at around $807 a year. Cincinnati Insurance, USAA, GEICO, and Auto-Owners also rank well as some of the cheapest Alabama auto insurance companies.

As illustrated above, if you currently buy coverage from USAA and switched to Travelers, you might achieve a yearly savings of in the neighborhood of $88. Policyholders with GEICO might save as much as $243 a year, and Auto-Owners insureds might lower prices by $399 a year.

Bear in mind that those policy rates are averages for all types of drivers and the different vehicles they drive and do not factor in a specific rate factor for a Honda Civic. So the company that is most affordable for your situation may not even be included in the list of companies shown earlier. That underscores the importance of why you need to compare prices as often as possible using your own driver data and vehicle information.

The chart below demonstrates how deductible levels can influence insurance prices when searching for cheap insurance for a Honda Civic. Data assumes a single female driver, full coverage, and no additional discounts are factored in.

As shown above, a 40-year-old driver could lower their car insurance rates by $456 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $684 by choosing a $1,000 deductible. Even younger insureds, like the Age 20 category, can cut $1,178 or even more by choosing a higher deductible. If you make the decision to raise deductibles, it is necessary to have additional funds in a savings account to allow you to pay the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.

Why you should shop around for Civic insurance

Alabama auto insurance rates are impacted by many factors that control the cost of having a policy. Simply having another birthday, increasing liability limits, or having an at-fault accident can produce rate changes that can cause some rates to be much cheaper than others.

Not only may your situation change, but insurers change premium rates every year to adjust for gains or losses. Heavy losses may result in more expensive premiums, while a better loss history can cause cheaper Civic insurance rates.

The data below demonstrates which company has the cheapest car insurance in Alabama for a 45-year-old female driver with a clear driving record, no claims, and a decent credit rating. If we look at prices based on her current situation, Travelers might quote the lowest car insurance rates in Alabama at $783 a year. This is $693 less than the average rate paid by Alabama drivers of $1,476. Cincinnati Insurance, USAA, GEICO, and Country are also on the list of the top five cheapest Alabama auto insurance companies.

The next chart shows rates after we give the driver in the first example a claim or two, a lower credit rating, and a couple of points charged on her driving record. Since every insurance provider uses their own calculation for filing rates in each state, analyzing rate quotes may now present a different set of the cheapest Alabama car insurance companies as shown below.

Cincinnati Insurance now has the best car insurance rate in Alabama with Auto-Owners, Progressive, USAA, and MetLife now being in the top five. This example illustrates why Alabama drivers need to take the time to shop around when trying to find the most budget-friendly insurance quotes for a Honda Civic.

Rates are made up of many factors and can change without notice, so the cheapest company the last time you shopped your coverage around may now cost much more than other companies.

How to find budget-friendly car insurance for a Honda Civic

It’s not impossible to find cheaper rates, and here are some of the recommended money-saving suggestions that can help drivers locate more affordable auto insurance.

  • Earn a discount by not filing claims
  • Buying car and homeowners insurance together can save money
  • Choose a safer vehicle and pay lower rates
  • Increase your credit rating
  • Raise comprehensive and collision coverage deductibles
  • Drop full coverage on older vehicles
  • Keep rates low by shopping around frequently

The last tip in the list is particularly valuable, as we hit on in this write-up. Auto insurance prices can change considerably based on profitability, so don’t be hesitant to change to a new company if a more affordable price is available.

We understand brand loyalty, but it’s not recommended if that loyalty ends up costing hundreds every year. Now is a great time to shop around and find cheaper car insurance for a Honda Civic.

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