Who Has Cheap Insurance for a Honda Civic in Wisconsin?
When talking about auto insurance, the word cheap should not be used anywhere in the article as a descriptor for car insurance rates. It’s a simple fact that cheap car insurance for a Honda Civic is not easy to find. Don’t get your dauber down, because we will tell you how you can still get insurance that most people can afford.
Your chances of buying affordable car insurance for a Honda Civic in Wisconsin relies on many rating criteria such as how many years you have been driving, if you are currently insured, and the level of deductible you choose. Drivers in Wisconsin pay an average rate of $810 each year to insure a Civic, but that figure is a valuation based on rates for a 30-year-old single female that wants full coverage and $1,000 deductibles.
There is a good probability you’re not a 30-year-old female, possibly married instead of single, and maybe your credit level is not the same as what was rated. Everyone has different rating factors, so your best chance at finding cheap car insurance rates for your Honda is to comparison shop your policy at every renewal or at least every couple of years.
The specific model of Civic tends to impact the insurance rate, so the rate you pay to insure a Civic DX 4-Dr Sedan will be $262 lower than the insurance cost for the more well-appointed Civic SI 2-Dr Coupe trim level, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Civic DX 4-Dr Sedan||$106||$232||$310||$18||$92||$758||$63|
|Civic VP 4-Dr Sedan||$106||$272||$310||$18||$92||$798||$67|
|Civic LX 4-Dr Sedan||$106||$272||$310||$18||$92||$798||$67|
|Civic DX 2-Dr Coupe||$106||$272||$388||$22||$116||$904||$75|
|Civic EX 4-Dr Sedan||$106||$272||$310||$18||$92||$798||$67|
|Civic LX-S 4-Dr Sedan||$106||$272||$310||$18||$92||$798||$67|
|Civic LX 2-Dr Coupe||$106||$314||$388||$22||$116||$946||$79|
|Civic EX-L 4-Dr Sedan||$122||$314||$310||$18||$92||$856||$71|
|Civic SI 4-Dr Sedan||$122||$314||$310||$18||$92||$856||$71|
|Civic EX 2-Dr Coupe||$122||$314||$388||$22||$116||$962||$80|
|Civic GX 4-Dr Sedan||$122||$314||$310||$18||$92||$856||$71|
|Civic EX-L 2-Dr Coupe||$122||$314||$388||$22||$116||$962||$80|
|Civic Hybrid 4-Dr Sedan||$138||$272||$310||$18||$92||$830||$69|
|Civic SI 2-Dr Coupe||$138||$356||$388||$22||$116||$1,020||$85|
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Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Wisconsin minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Rate quotes do not factor in zip code location which can decrease or increase auto insurance rates considerably.
Buying coverage from the top auto insurance provider is hard considering how many companies sell insurance in Wisconsin. The company rank data displayed below could help you decide which car insurance providers to look at buying from. These rankings only include companies that write coverage in many states, so smaller companies will not be included in the list.
Top 10 Major Auto Insurance Providers in Wisconsin Ranked by Value
- AAA Insurance
- Erie Insurance
- State Farm
- Liberty Mutual
- Safeco Insurance
- 21st Century
Top 10 Major Auto Insurance Providers in Wisconsin Ranked by Customer Satisfaction
- USAA – 92%
- 21st Century – 88%
- Erie Insurance – 88%
- Nationwide – 88%
- American Family – 88%
- State Farm – 88%
- Progressive – 87%
- Liberty Mutual – 87%
- AAA Insurance – 87%
- The Hartford – 87%
Top Companies for Honda Civic Insurance in Wisconsin
How much more does full coverage cost?
Finding cheap insurance for a Honda Civic in Wisconsin is the goal of the majority of people, and one good way to buy cheaper insurance is to only buy liability insurance. The chart below illustrates the comparison of insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Wisconsin. The information is based on no accidents or driving violations, $1,000 deductibles, drivers are single, and no other discounts are factored in.
Averaged out for all age groups, physical damage insurance costs an additional $1,355 per year over having just liability coverage. That is a significant amount which raises the question if full coverage is worth the money. There is no exact rule for eliminating full coverage on your policy, but there is a general guideline you can use. If the yearly cost for physical damage coverage is more than 10% of replacement cost minus your deductible, then it might be time to buy liability only.
For example, let’s say your vehicle’s claim settlement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would get paid by your company is $4,000 after the policy deductible has been paid. If it’s costing in excess of $400 annually for physical damage coverage, then it could be time to drop full coverage.
There are some scenarios where eliminating full coverage is not recommended. If you still owe a portion of the original loan, you have to keep full coverage to protect the lienholder’s interest. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should not consider dropping full coverage.
Illustration showing the impact of accidents and violations
In a perfect world, the ideal way to maintain cheap insurance for a Honda Civic in Wisconsin is to drive carefully and have a clean driving record. The example below shows how traffic citations and at-fault fender-benders can drive up premium costs for different age groups of insureds. The data is based on a single male driver, comp and collision included, $100 deductibles, and no additional discounts are factored in.
The chart shows that the average cost of auto insurance in Wisconsin per year with no violations or accidents is $2,118. Get written up for one speeding ticket and the average cost rises to $2,384, an increase of $267 each year. Now throw in two accidents along with the one speeding ticket and the yearly cost of auto insurance for a Honda Civic increases to an average of $4,597. That’s an increase of $2,479, or $207 per month, just for not driving attentively!
Don’t stick with an overpriced policy
Wisconsin auto insurance rates are based on many factors which can substantially decrease or increase the policy price. Improving your credit rating, having a claim, or getting a speeding ticket can produce rate changes that may make certain companies cheaper in comparison to the competition.
Not only that, but auto insurance companies change prices every year or even multiple times each year to adjust for heavy claims or excess profits. Higher than normal claims may result in higher prices, while lower claim levels may produce lower-priced Civic insurance rates.
To illustrate this point, the chart below demonstrates which company has the cheapest car insurance in Wisconsin for a 35-year-old female driver with no accidents or violations, and a good credit history. If we estimate rates based on her current rating profile, USAA may offer the best car insurance rates in Wisconsin at $604 per year. This is $557 less than the average price paid by Wisconsin drivers of $1,161. Partners Mutual, Erie, Rockford Mutual, and Pekin Insurance round out the rest of the top five cheapest Wisconsin auto insurance companies.
In the next rate comparison, we’ll give the driver in the first example some claims, slightly worse credit, and a blemish on her driving record. Since each auto insurance company has their own formula to set policy rates, comparing rates may now show a significantly different list of affordable Wisconsin car insurance companies as shown below.
Integrity Mutual now has the cheapest auto insurance in Wisconsin with Rural Mutual Insurance, Nationwide, Travelers, and Partners Mutual also being competitive. This example demonstrates why it is important to shop around to find the most budget-friendly auto insurance rates for a Honda Civic.
Rates can be determined by many risk factors and change substantially, so the most economical option six months ago may now be quite expensive.
Find cheap insurance for a Honda Civic in Wisconsin
It’s not impossible to find cheaper rates, and here are some money-saving ideas that can help Wisconsin drivers buy low-cost auto insurance.
- Claim-free policyholders usually earn a discount
- Do not waste money insuring older vehicles for full coverage
- Bundle home or renters insurance to earn a discount on car insurance
- Choose a safer vehicle and pay lower rates
- Drive safely
- At-fault accidents can raise rates significantly
- Compare rates regularly and switch companies to save money
That last tip is notably vital, as was pointed out in the prior information. Auto insurance prices fluctuate constantly, so don’t be hesitant to change to a new company if a more affordable price is available.
Staying with the same car insurance company is fine, but it’s not recommended if that stubbornness costs you several hundred dollars every year. In just a couple of minutes you could compare prices to find cheaper insurance for a Honda Civic.
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