Finding economical insurance for a Honda Civic in Arizona depends on lots of different rating factors such as whether you own a home, if you have a tendency to file claims, and the deductible amount you use. Drivers in Arizona pay on average $1,106 per year to insure their Civic, but that figure is an approximation based upon a 30-year-old single male driver with full comprehensive and collision coverage and $500 deductibles.
But there is a good chance that you’re not a 30-year-old male, possibly married instead of single, and maybe you want different deductibles. Having the smallest difference in rating criteria could end up with a large change in policy price.
This example demonstrates why the only way to find cheap insurance prices for your Honda is to compare as many rates as possible.
Your vehicle’s trim level tends to impact the insurance rate, so the rate you pay to insure a Civic DX 4-Dr Sedan trim level will be $356 lower than the cost to insure the more well-appointed Civic SI 2-Dr Coupe trim level, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Civic DX 4-Dr Sedan||$188||$314||$392||$24||$118||$1,036||$86|
|Civic VP 4-Dr Sedan||$188||$370||$392||$24||$118||$1,092||$91|
|Civic LX 4-Dr Sedan||$188||$370||$392||$24||$118||$1,092||$91|
|Civic DX 2-Dr Coupe||$188||$370||$490||$30||$146||$1,224||$102|
|Civic EX 4-Dr Sedan||$188||$370||$392||$24||$118||$1,092||$91|
|Civic LX-S 4-Dr Sedan||$188||$370||$392||$24||$118||$1,092||$91|
|Civic LX 2-Dr Coupe||$188||$428||$490||$30||$146||$1,282||$107|
|Civic EX-L 4-Dr Sedan||$214||$428||$392||$24||$118||$1,176||$98|
|Civic SI 4-Dr Sedan||$214||$428||$392||$24||$118||$1,176||$98|
|Civic EX 2-Dr Coupe||$214||$428||$490||$30||$146||$1,308||$109|
|Civic GX 4-Dr Sedan||$214||$428||$392||$24||$118||$1,176||$98|
|Civic EX-L 2-Dr Coupe||$214||$428||$490||$30||$146||$1,308||$109|
|Civic Hybrid 4-Dr Sedan||$242||$370||$392||$24||$118||$1,146||$96|
|Civic SI 2-Dr Coupe||$242||$484||$490||$30||$146||$1,392||$116|
|Get Your Own Custom Quote Go|
Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Table data does not factor in garaging location in Scottsdale which can influence prices significantly.
Selecting a good quality company can be difficult considering how many choices you have in Scottsdale. The ranking data in the lists below could help you analyze which car insurance companies you want to consider comparing rate quotes with.
The rankings below include large, nationwide insurance companies, so companies that focus mainly on Arizona business are not factored into the list. To compare prices from the most competitive companies in Arizona, just click here.
Top 10 Major Auto Insurers in Scottsdale Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
The chart below shows how different deductible levels can affect yearly insurance costs when trying to find cheap insurance for a Honda Civic. The premiums assume a single male driver, comprehensive and collision coverage, and no policy discounts are applied.
A 50-year-old driver could save $362 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $542 by changing to a $1,000 deductible. Youthful drivers, like the 20-year-old, could roll back prices $1,230 every year by choosing a higher deductible. When using a larger deductible, it is essential to have enough funds in savings to allow you to cover the extra out-of-pocket expense that deters many people from opting for higher deductibles.
Liability-only versus full coverage
Finding cheaper insurance is probably important to most people, and one of the quickest ways to buy cheaper insurance for a Honda Civic is to not buy comprehensive and collision coverage. The information below illustrates the difference between car insurance rates with full physical damage coverage and with liability coverage only. The data is based on no claims or driving citations, $1,000 deductibles, single marital status, and no discounts are taken into consideration.
As an average for all age groups, physical damage coverage costs $1,550 per year more than carrying just liability coverage. Many of you may wonder if buying full coverage is a good investment. There is no definitive formula of when to eliminate physical damage insurance, but there is a general guideline you can use. If the annual cost of having full coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then it could be time to drop full coverage.
For example, let’s assume your vehicle’s book value is $4,500 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $3,500 after paying your policy deductible. If you are paying more than $350 a year for full coverage, then you may want to consider only buying liability coverage.
The importance of comparing Civic insurance rates
Arizona insurance rates are influenced by many factors that may substantially change your annual premium. Simply having a birthday, having a teenage driver, or getting a DUI may cause policy rate changes that can now make some companies much cheaper than others. Not only that, but car insurance companies file new Arizona car insurance rates every year in order to remain profitable. Heavier than normal losses may cause higher rates, while lower claim expenses can cause cheaper Civic insurance rates.
For example, the graph below shows rates for the cheapest car insurance in Scottsdale, AZ for a 35-year-old male driver with no accidents, a clean driving record, and a high credit rating. If we look at prices based on his personal profile, The Hartford has the most affordable car insurance rates in Scottsdale at $1,085 annually. This is $343 less than the average policy premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA round out the rest of the most affordable Scottsdale, AZ auto insurance companies.
The example below compares rates after we give the driver from above some claims, less-than-perfect credit, and a few traffic violations. Because every insurance company has their own guidelines for setting rates, comparing rates most likely will result in a different list of affordable Scottsdale car insurance companies as shown below.
Progressive now has the best car insurance rate in Scottsdale with Ameriprise Group, Allied, Auto-Owners, and CSAA also being competitive. This example proves why it is important to compare many different companies when trying to find the lowest car insurance quotes for a Honda Civic.
Rates are made up of many things and can change substantially, so the best price the last time you compared rates may now not even be in the top five.
How to find more affordable auto insurance for a Honda Civic
The list below details some of the recommended penny-pinching suggestions that can help Arizona drivers locate cheap car insurance.
- Avoid having at-fault accidents
- Avoid speeding and other traffic citations and pay less
- If your vehicles are older, consider dropping full coverage
- Good credit scores may lower your rates
- Increase your deductibles
- Buy a safer vehicle
- Keep rates low by shopping around frequently
That last piece of advice is very necessary, as we hit on in the prior information. Car insurance rates in Scottsdale adjust frequently, so don’t be tentative to change insurance companies if you find a cheaper price. Staying with the same car insurance company is fine, but we do not recommend it if that faithfulness ends up costing you lots of money. Now is a great time to compare prices to find cheaper insurance for a Honda Civic.