Finding cheaper insurance for a Honda Civic in Ohio is pretty easy for most people, but it relies on many factors such as how safe your vehicle is, the size of your vehicle, and your choice of physical damage deductibles. Drivers pay on average $563 annually to insure their Civic, but that is an estimation using a 50-year-old married male driver with full coverage and $1,000 deductibles.
It’s highly likely you are not 50 years old and maybe not even male, maybe you are single instead of married, or maybe you have a teenager that needs to be on your policy. Even a slight difference in policy rating criteria or coverages can result in a massive change in the cost of insurance for a Honda Civic.
This example demonstrates why the only real way to find the most affordable coverage for your Honda is to do the rate comparisons yourself. In less than five minutes you will be able to see rates from the best companies that insure vehicles in Ohio.
Compare Honda Civic Insurance Rates
Vehicle trim level tends to impact the cost of insurance, so the price you pay to insure a Civic DX 4-Dr Sedan model will be $180 less than the cost to insure the higher-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 | $74 | $158 | $218 | $12 | $66 | $528 | $44 |
| Civic VP 4-Dr Sedan | $74 | $186 | $218 | $12 | $66 | $556 | $46 |
| Civic LX 4-Dr Sedan | $74 | $186 | $218 | $12 | $66 | $556 | $46 |
| Civic DX 2-Dr Coupe | $74 | $186 | $272 | $16 | $82 | $630 | $53 |
| Civic EX 4-Dr Sedan | $74 | $186 | $218 | $12 | $66 | $556 | $46 |
| Civic LX-S 4-Dr Sedan | $74 | $186 | $218 | $12 | $66 | $556 | $46 |
| Civic LX 2-Dr Coupe | $74 | $214 | $272 | $16 | $82 | $658 | $55 |
| Civic EX-L 4-Dr Sedan | $84 | $214 | $218 | $12 | $66 | $594 | $50 |
| Civic SI 4-Dr Sedan | $84 | $214 | $218 | $12 | $66 | $594 | $50 |
| Civic EX 2-Dr Coupe | $84 | $214 | $272 | $16 | $82 | $668 | $56 |
| Civic GX 4-Dr Sedan | $84 | $214 | $218 | $12 | $66 | $594 | $50 |
| Civic EX-L 2-Dr Coupe | $84 | $214 | $272 | $16 | $82 | $668 | $56 |
| Civic Hybrid 4-Dr Sedan | $96 | $186 | $218 | $12 | $66 | $578 | $48 |
| Civic SI 2-Dr Coupe | $96 | $242 | $272 | $16 | $82 | $708 | $59 |
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Data variables include married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Rate quotes do not factor in zip code location which can change prices substantially.
Finding out which company quotes the cheapest auto insurance rates for a Honda Civic takes a bit more effort than just comparing a company or two. Each auto insurance company has a proprietary method for establishing rates, so we will examine the auto insurance companies with the most affordable rates in Cincinnati, OH.
It’s important to understand that Cincinnati, OH auto insurance rates are calculated based on many things that can increase the price of coverage. Simply turning a year older, becoming a homeowner, or having an accident may generate price changes resulting in some companies being more affordable than the competition.
Best Car Insurance Prices for Your Honda
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Utica National | $635 |
| 2 | Erie | $667 |
| 3 | Allied | $697 |
| 4 | Frankenmuth | $708 |
| 5 | USAA | $711 |
| 6 | Travelers | $712 |
| 7 | Cincinnati Insurance | $756 |
| 8 | Merchants Insurance Group | $778 |
| 9 | Grange Mutual | $804 |
| 10 | Motorists Mutual | $816 |
| 11 | General Casualty | $829 |
| 12 | Central Mutual | $848 |
| 13 | State Farm | $858 |
| 14 | Hastings Mutual | $893 |
| 15 | Atlantic States | $904 |
| 16 | Westfield | $908 |
| 17 | Western Reserve | $932 |
| 18 | Progressive | $962 |
| 19 | Auto-Owners | $968 |
| 20 | Farmers | $995 |
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Utica National offers some of the most affordable car insurance rates in Cincinnati at around $635 annually. This is $405 less than the average premium paid by Ohio drivers of $1,040. Erie, Allied, Frankenmuth, and USAA also rank well as some of the cheaper Cincinnati, OH car insurance companies.
As depicted above, if you currently have coverage with Frankenmuth and switched to Utica National, you could earn an annual savings of around $73. Insureds with USAA might save as much as $76 a year, and Travelers insureds might lower prices by $77 a year.
To get a fast rate comparison, click here to start a quote or visit any of the companies below.
It’s important to note that these premium estimates are averaged for all types of insureds and vehicles and do not take into consideration a specific location for a Honda Civic. So the auto insurance company that can offer you the lowest price may not even be in the top 33 companies shown above. That helps illustrate why you need to quote rates from many companies using your own personal information and vehicle type.
Full coverage versus liability only rates
Finding cheaper auto insurance should be important to most vehicle owners, and one great way to find cheaper insurance for a Honda Civic is to only buy liability insurance. The example below illustrates the difference between insurance rates with full coverage compared to only the Ohio minimum liability coverage. The rate quotes are based on no claims or driving citations, $500 deductibles, drivers are single, and no discounts are applied to the premium.
If the expense is averaged for all age categories, physical damage coverage on your policy costs an additional $1,568 per year more than just buying liability only. Many drivers will wonder when is the right time to remove full coverage. There is no exact formula to delete full coverage, but there is a broad guideline. If the yearly cost of full coverage is 10% or more of the settlement you would receive from your company, then you might consider buying liability only.
Why you are probably overpaying for Civic insurance
Cincinnati auto insurance rates are calculated based on many things that can increase the cost of a policy. Simply turning a year older, buying a different home, or getting a reckless driving citation may prompt premium changes that can make some companies more affordable than others.
Also, auto insurance companies file new Ohio car insurance rates at least once a year as an adjustment for underwriting gains or losses. Significantly higher claims may cause higher rates, while better underwriting can result in lower-cost Civic insurance rates.
To help illustrate this point, the data below shows which company has the cheapest car insurance in Cincinnati, OH for a 35-year-old male driver with no prior accidents, a clean driving record, and a high credit rating. When quoting prices based on his current risk factors, Utica National offers the cheapest car insurance rates in Cincinnati at $785 annually. This is $255 less than the average premium paid by Ohio drivers of $1,040. Erie, Allied, Frankenmuth, and Travelers are the remainder of the best Cincinnati, OH auto insurance companies.
The next chart shows rates after we give the driver in the first chart an at-fault accident, a lower credit rating, and an imperfect driving record. Because every insurance company has their own process for filing rates in each state, comparing rates most likely will result in a new list of the cheapest Cincinnati car insurance companies as shown below.
Merchants Insurance Group now has the cheapest price in Cincinnati, OH with Cincinnati Insurance, Grange Mutual, General Casualty, and Motorists Mutual completing the list. This example demonstrates why it is crucial to compare rates to find cheap car insurance rates for a Honda Civic.
Prices are impacted by many different factors and change dramatically, so the lowest-price company the last time you checked may now be quite expensive.