Finding competitive coverage for a Honda Civic is pretty easy to do, but it hinges on a whole bunch of rating criteria such as the safety rating for your Civic, your residence address, and the deductible amount you use. Colorado drivers pay approximately $1,144 per year to insure their Civic, but that price is an estimate using a 50-year-old single female driver with full physical damage coverage and $500 deductibles.
But there is a high probability that you’re not a 50-year-old female, you might be married instead of single, or you just want cheap liability insurance instead of full coverage. This example demonstrates why the only way to find cheap car insurance rates for your Honda is to do the rate comparisons yourself. To start saving now, get free quotes and you will receive price comparisons from the best auto insurance companies that sell coverage in Colorado.
Your Honda’s trim level impacts the coverage cost, so the price you will be charged to insure a Civic DX 4-Dr Sedan model will be $376 less expensive the price to insure the more costly Civic SI 2-Dr Coupe version, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $166 | $362 | $396 | $24 | $118 | $1,066 | $89 |
| Civic VP 4-Dr Sedan | $166 | $426 | $396 | $24 | $118 | $1,130 | $94 |
| Civic LX 4-Dr Sedan | $166 | $426 | $396 | $24 | $118 | $1,130 | $94 |
| Civic DX 2-Dr Coupe | $166 | $426 | $496 | $30 | $148 | $1,266 | $106 |
| Civic EX 4-Dr Sedan | $166 | $426 | $396 | $24 | $118 | $1,130 | $94 |
| Civic LX-S 4-Dr Sedan | $166 | $426 | $396 | $24 | $118 | $1,130 | $94 |
| Civic LX 2-Dr Coupe | $166 | $490 | $496 | $30 | $148 | $1,330 | $111 |
| Civic EX-L 4-Dr Sedan | $190 | $490 | $396 | $24 | $118 | $1,218 | $102 |
| Civic SI 4-Dr Sedan | $190 | $490 | $396 | $24 | $118 | $1,218 | $102 |
| Civic EX 2-Dr Coupe | $190 | $490 | $496 | $30 | $148 | $1,354 | $113 |
| Civic GX 4-Dr Sedan | $190 | $490 | $396 | $24 | $118 | $1,218 | $102 |
| Civic EX-L 2-Dr Coupe | $190 | $490 | $496 | $30 | $148 | $1,354 | $113 |
| Civic Hybrid 4-Dr Sedan | $214 | $426 | $396 | $24 | $118 | $1,178 | $98 |
| Civic SI 2-Dr Coupe | $214 | $554 | $496 | $30 | $148 | $1,442 | $120 |
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Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Price estimates do not factor in Colorado Springs location which can revise premium rates significantly.
Buying coverage from a high-quality auto insurance provider can be rather challenging considering how many different companies there are to choose from in Colorado. The ranking information displayed below may help you choose which coverage providers you want to consider shopping prices with.
These ratings are only made up of the largest companies in America, so companies that only write business in Colorado or surrounding areas are not factored into this list. To get price quotes 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 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
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Data Source: Insure.com Best Car Insurance Companies
Difference between liability only and full coverage rates
Saving on car insurance is important to the majority of drivers, and one way to lower the cost of insurance for a Honda Civic is to not buy full coverage. The information below illustrates the comparison of auto insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premium estimates are based on a clean driving record, no at-fault accidents, $250 deductibles, single status, and no discounts are applied.
On average, physical damage coverage on your policy costs $2,927 per year more than just buying liability only. Many people question if it’s worth it to buy full coverage. There is no definitive rule of when to phase out comp and collision coverage, but there is a general guideline you can use. If the annual cost of having full coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.
For example, let’s assume your vehicle’s replacement cost is $8,500 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $7,500 after you pay the deductible. If it’s costing in excess of $750 annually for comprehensive and collision coverage, then you might want to consider buying only liability coverage.
There are a few situations where buying only liability insurance is not in your best interest. If you haven’t paid off your loan, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should not eliminate full coverage.
Can you find cheaper Civic insurance?
Colorado Springs car insurance rates are based on many factors that may substantially change the cost of coverage. Improving your credit score, having a teen driver, or getting a driving violation may generate price changes resulting in some rates now being cheaper than competitors.
Not only may your risk profile change, but insurers amend pricing multiple times each year to help ensure profitability. Unexpectedly high claims may cause a rate increase, while less frequent claims may cause cheaper Civic insurance rates.
The graph below shows the cheapest car insurance in Colorado Springs, CO for a 40-year-old male driver with a clean driving record, no accidents, and a decent credit rating. If we look at prices based on his current situation, The Hartford quotes the best car insurance rates in Colorado Springs at $1,021 a year. This is $557 less than the average price paid by Colorado drivers of $1,578. Grange, USAA, Nationwide, and Auto-Owners are the remainder of the cheapest Colorado Springs, CO auto insurance companies.
Now we will give the driver from the above example some claims, a little lower credit rating, and a stop sign violation. Since each company has a proprietary method to establish rates, analyzing rates may now result in a different set of the cheapest companies as shown below.
Travelers now has the cheapest auto insurance in Colorado Springs, CO with State Farm, American Family, Progressive, and Amica now rounding out the top five. This illustrates why it is so important to perform an extensive rate comparison when trying to get the most affordable car insurance rates for a Honda Civic.
Car insurance prices are influenced by many different factors and can change substantially, so the best option the last time you shopped around may now not even be in the top five.