Finding competitive auto insurance for a Honda Civic in Arizona relies on many rating factors such as whether you are a homeower, your geographic location, and your driving record. Drivers pay around $746 annually to insure their Civic, but that figure is a valuation using a 50-year-old married male driver with full physical damage coverage and $1,000 deductibles.
This brings up the issue that more than likely you may not be 50 years old (or even male), possibly single instead of married, or maybe you prefer liability limits higher than required by Arizona state law. Auto insurance is not the same for everyone, so the best method for finding the cheapest insurance price for your Honda is to compare as many rates as possible. Get a free quote now and you can get rates from some of the best insurers available.
Compare Honda Civic Insurance Rates
Vehicle trim level will have an impact the cost of coverage, so the price to insure a Civic DX 4-Dr Sedan trim level will be $238 cheaper than the price to insure the higher-priced Civic SI 2-Dr Coupe trim level, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $98 | $208 | $288 | $18 | $86 | $698 | $58 |
| Civic VP 4-Dr Sedan | $98 | $246 | $288 | $18 | $86 | $736 | $61 |
| Civic LX 4-Dr Sedan | $98 | $246 | $288 | $18 | $86 | $736 | $61 |
| Civic DX 2-Dr Coupe | $98 | $246 | $360 | $22 | $108 | $834 | $70 |
| Civic EX 4-Dr Sedan | $98 | $246 | $288 | $18 | $86 | $736 | $61 |
| Civic LX-S 4-Dr Sedan | $98 | $246 | $288 | $18 | $86 | $736 | $61 |
| Civic LX 2-Dr Coupe | $98 | $284 | $360 | $22 | $108 | $872 | $73 |
| Civic EX-L 4-Dr Sedan | $112 | $284 | $288 | $18 | $86 | $788 | $66 |
| Civic SI 4-Dr Sedan | $112 | $284 | $288 | $18 | $86 | $788 | $66 |
| Civic EX 2-Dr Coupe | $112 | $284 | $360 | $22 | $108 | $886 | $74 |
| Civic GX 4-Dr Sedan | $112 | $284 | $288 | $18 | $86 | $788 | $66 |
| Civic EX-L 2-Dr Coupe | $112 | $284 | $360 | $22 | $108 | $886 | $74 |
| Civic Hybrid 4-Dr Sedan | $126 | $246 | $288 | $18 | $86 | $764 | $64 |
| Civic SI 2-Dr Coupe | $126 | $320 | $360 | $22 | $108 | $936 | $78 |
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Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Prices do not factor in vehicle location which can revise premiums considerably.
Ending up with the highest-rated insurance provider is hard considering how many different companies there are to choose from in Arizona. The company ratings shown below could help you analyze which auto insurers to look at to insure your vehicles.
These ratings are for large insurance companies, so smaller companies will not be included in the list. To compare rates from these and other top-rated companies, follow this link.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
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Data Source: Insure.com Best Car Insurance Companies
Discounts on Phoenix insurance rates
Auto insurance companies that offer cheap quotes for a Honda Civic may provide policy discounts that could potentially reduce rates by as much as 25% or more if you meet the requirements. A list of companies and their possible discounts are included below.
- American Family may include discounts for defensive driver, early bird, TimeAway discount, mySafetyValet, Steer into Savings, and air bags.
- Nationwide may have discounts that include multi-policy, business or organization, easy pay, good student, anti-theft, Farm Bureau membership, and accident-free.
- MetLife offers premium reductions for claim-free, good student, multi-policy, good driver, and accident-free.
- 21st Century policyholders can earn discounts including early bird, 55 and older, defensive driver, anti-lock brakes, and student driver.
- Farmers Insurance has discounts for bundle discounts, teen driver, multi-car, electronic funds transfer, youthful driver, business and professional, and alternative fuel.
- Allstate may offer discounts for economy car, anti-lock brakes, auto/life discount, anti-theft, and FullPay discount.
The chart below shows the comparison of car insurance rates with and without some available policy discounts. The prices are based on a male driver, no claims or violations, Arizona state minimum liability limits, full physical damage coverage, and $250 deductibles.
The first bar for each age group shows premium with no discounts. The second bar shows the rates with passive restraint, safe-driver, vehicle safety, claim-free, multiple policy, and accident-free discounts applied. When discounts are applied, theamount saved on insurance for a Honda Civic is 28% or $545.
Impact of speeding/accidents on insurance rates
In a perfect world, the ideal way to enjoy cheap insurance rates in Arizona for a Civic is to drive carefully and avoid traffic citations and accidents. The diagram below demonstrates how traffic citations and accidents can increase insurance premiums for different age groups. The premium estimates are based on a married female driver, full coverage, $1,000 deductibles, and no discounts are applied to the premium.
The chart shows that the average cost of an auto insurance policy per year with a clean driving record and no accidents is $1,184. Factor in one speeding ticket and the average cost surges to $1,382, an increase of $199 each year. Then add in one accident along with the one speeding ticket and the annual cost of insurance for a Honda Civic increases to an average of $1,944. That’s an increase of $760, or $63 per month, just for not maintaining a clean driving record!
Difference between full coverage and liability only rates
Paying less for insurance is important to most people, and one of the best ways to find cheap insurance for a Honda Civic is to only pay for liability coverage. The diagram below shows the difference between car insurance rates with full physical damage coverage compared to only buying liability only. The data assumes no violations or accidents, $1,000 deductibles, single marital status, and no discounts are factored in.
Averaged out for all age groups, physical damage coverage on your policy costs an extra $1,550 per year more than just insuring for liability. Many people question if buying full coverage is a waste of money. There is no definitive formula of when to exclude physical damage coverage, but there is a guideline you can use. If the yearly cost of full coverage is more than 10% of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.
For example, let’s pretend your vehicle’s book value is $10,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, you would only receive $9,000 after you pay the deductible. If you are paying in excess of $900 a year for comprehensive and collision coverage, then it could be time to drop full coverage.
There are some conditions where dropping physical damage coverage is not a good idea. If you haven’t satisfied your loan, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should not opt for liability only.