Finding economical insurance for a Honda Civic is pretty easy to do, but it depends on a pretty complex algorithm that uses a lot of factors such as age of the vehicle, your credit history, and any prior driving offenses you have. Drivers in Indiana pay approximately $791 annually for Civic insurance, but that price is an estimate calculated using a 50-year-old married male driver with full physical damage coverage and $500 deductibles.
There’s a good chance you’re not a 50-year-old male, you might be single instead of married, or maybe you just want liability only. Even a slight change in the criteria used to calculate rates can make a large difference in the cost of insuring your Civic.
This demonstrates why the only way to find the cheapest insurance price for your Honda is to compare as many rates as you can.
Cheapest Honda Civic Insurance Rates
The specific model of Civic can impact the cost of coverage, so the rate you pay to insure a Civic DX 4-Dr Sedan trim level will be $260 less expensive the price to insure the fancier 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 | $120 | $250 | $270 | $16 | $80 | $736 | $61 |
| Civic VP 4-Dr Sedan | $120 | $296 | $270 | $16 | $80 | $782 | $65 |
| Civic LX 4-Dr Sedan | $120 | $296 | $270 | $16 | $80 | $782 | $65 |
| Civic DX 2-Dr Coupe | $120 | $296 | $336 | $20 | $100 | $872 | $73 |
| Civic EX 4-Dr Sedan | $120 | $296 | $270 | $16 | $80 | $782 | $65 |
| Civic LX-S 4-Dr Sedan | $120 | $296 | $270 | $16 | $80 | $782 | $65 |
| Civic LX 2-Dr Coupe | $120 | $340 | $336 | $20 | $100 | $916 | $76 |
| Civic EX-L 4-Dr Sedan | $138 | $340 | $270 | $16 | $80 | $844 | $70 |
| Civic SI 4-Dr Sedan | $138 | $340 | $270 | $16 | $80 | $844 | $70 |
| Civic EX 2-Dr Coupe | $138 | $340 | $336 | $20 | $100 | $934 | $78 |
| Civic GX 4-Dr Sedan | $138 | $340 | $270 | $16 | $80 | $844 | $70 |
| Civic EX-L 2-Dr Coupe | $138 | $340 | $336 | $20 | $100 | $934 | $78 |
| Civic Hybrid 4-Dr Sedan | $156 | $296 | $270 | $16 | $80 | $818 | $68 |
| Civic SI 2-Dr Coupe | $156 | $384 | $336 | $20 | $100 | $996 | $83 |
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Data rating is based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Rate information does not factor in your specific Fort Wayne location which can decrease or increase prices considerably.
Ratings for Fort Wayne insurance companies
Picking the highest-rated insurer can be a challenge considering how many companies sell coverage in Indiana. The ranking information shown next could help you analyze which coverage providers to look at comparing rates from.
These ratings only include large nationwide companies, so companies that have a smaller presence are not factored into these rankings. To compare prices from these and other top-rated companies, simply click here.
Top 10 Large Car Insurance Companies in Fort Wayne Ranked by Customer Satisfaction
- USAA – 92%
- Erie Insurance – 88%
- American Family – 88%
- State Farm – 88%
- Nationwide – 88%
- 21st Century – 88%
- AAA Insurance – 87%
- Liberty Mutual – 87%
- Farmers Insurance – 87%
- The Hartford – 87%
Top 10 Large Car Insurance Companies in Fort Wayne Ranked by Value
- USAA
- GEICO
- AAA Insurance
- Erie Insurance
- State Farm
- Liberty Mutual
- Safeco Insurance
- Allstate
- 21st Century
- Travelers
How to get discounts on Fort Wayne insurance rates
Auto insurance companies that offer coverage for a Honda Civic may have rate discounts that may potentially lower prices by as much as 35% or more if you are eligible to receive them. A few of the larger companies and some of their more popular discounts are included below.
- GEICO policyholders can earn discounts including anti-lock brakes, daytime running lights, good student, multi-vehicle, membership and employees, multi-policy, and five-year accident-free.
- USAA may include discounts for new vehicle, safe driver, annual mileage, defensive driver, and loyalty savings.
- Progressive has discounts for continuous coverage, multi-policy, homeowner, online quote discount, and multi-vehicle.
- American Family has savings for air bags, TimeAway discount, mySafetyValet, good driver, and early bird.
- Esurance offers discounts for good student, emergency road assistance, multi-policy, online quote, multi-car, safety device, and DriveSense.
- Farmers Insurance includes discounts for electronic funds transfer, teen driver, bundle discounts, alternative fuel, pay in full, and homeowner.
- State Farm discounts include multiple autos, good student, safe vehicle, accident-free, good driver, Drive Safe & Save, and student away at school.
The chart below shows the difference between auto insurance rates with and without policy discounts. The price estimates are based on a female driver, no accidents or driving violations, Indiana state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with passive restraint, multiple policy, accident-free, anti-theft, safe-driver, and multiple vehicle discounts applied. When taking advantage of discounts, theamount saved on insurance for a Honda Civic is 28% or $446.
Tickets and at-fault accidents raise rates
The best way to score the most affordable insurance prices for a Civic is to be an attentive driver and avoid accidents and traffic violations. The diagram below demonstrates how traffic citations and accidents raise car insurance costs for different age groups. The premium estimates are based on a married male driver, full coverage, $100 deductibles, and no discounts are applied to the premium.
In the prior example, the average cost of auto insurance per year with a clean driving record and no accidents is $1,599. Add in one speeding ticket and the average cost swells to $1,835, an increase of $236 each year. Now get one accident along with the one speeding ticket and the yearly cost of insurance for a Honda Civic jumps again to an average of $2,511. That’s an increase of $912, or $76 per month, just for not maintaining a clean driving record!
If you aren’t sure which coverage you need and prefer to get help from a professional when trying to find the best insurance rates for a Honda Civic, the professional agents shown below can help you make a decision which auto insurance policy fits you best.
To find a Fort Wayne insurance agent close to you, click the button after the list.
- W.C. Starks – State Farm Insurance Agent
3818 S Calhoun St – Fort Wayne, IN 46807 – (260) 744-4357 - Nationwide Insurance: Thompson Insurance and Financial Services Inc
10355 Dawsons Creek Blvd A – Fort Wayne, IN 46825 – (260) 347-4722 - Hupe Insurance Services
7011 Stellhorn Rd – Fort Wayne, IN 46815 – (800) 701-5909 - InsureOne Insurance Agency
3213 E State Blvd – Fort Wayne, IN 46805 – (260) 216-0024
More insurance agents in Fort Wayne, IN
How to find more affordable car insurance for a Honda Civic
The list below shows many penny-pinching suggestions that can help Fort Wayne drivers get more affordable coverage.
- Being accident-free can lower rates significantly
- Just one traffic violation will increase your rates
- Drop full coverage on older vehicles
- Improve your credit rating
- Lower rates by purchasing a safer vehicle
- Higher deductibles save money
- Comparison shop at least once a year
That last tip is extraordinarily important, as was discussed in this write-up. Insurance rates in Fort Wayne change constantly, so you should be ready to buy from a new company if you can save money.
Many drivers prefer to stick with one company, but we do not recommend it if your bullheadedness ends up costing you lots of hard earned cash every month. Take a few minutes and compare prices and find cheaper auto insurance for a Honda Civic.