Auto Insurance Quotes for a Honda Civic in Scottsdale

  1. Home
  2. >
  3. Scottsdale Auto Insurance
  4. >
  5. Honda Civic

Insurance for Honda CivicDo you need a fast way to compare more affordable Honda Civic insurance in Scottsdale? Locating the cheapest insurance for a new or used Honda Civic in Arizona can normally be an all-consuming task, but you can learn our car insurance buying tips to save time.

There are both good and bad ways to find car insurance online so you're going to learn the proper way to price shop coverage for your Honda and locate the lowest price either online or from Scottsdale insurance agents.

Consumers should take time to get comparison quotes once or twice a year because prices go up and down regularly. Just because you found the lowest rates on Honda Civic insurance in Scottsdale two years ago there may be better deals available now. Forget anything you know (or think you know) about car insurance because we're going to show you how to use online quotes to find better rates and still maintain coverage.

Honda Civic coverage analysis

The data table below highlights detailed analysis of policy rates for Honda Civic models. Learning more about how insurance policy rates are figured is important for making decisions on which insurance to purchase.

Honda Civic Insurance Rates in Scottsdale, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $114 $226 $308 $18 $92 $758 $63
Civic VP 4-Dr Sedan $114 $266 $308 $18 $92 $798 $67
Civic LX 4-Dr Sedan $114 $266 $308 $18 $92 $798 $67
Civic DX 2-Dr Coupe $114 $266 $386 $22 $116 $904 $75
Civic EX 4-Dr Sedan $114 $266 $308 $18 $92 $798 $67
Civic LX-S 4-Dr Sedan $114 $266 $308 $18 $92 $798 $67
Civic LX 2-Dr Coupe $114 $306 $386 $22 $116 $944 $79
Civic EX-L 4-Dr Sedan $130 $306 $308 $18 $92 $854 $71
Civic SI 4-Dr Sedan $130 $306 $308 $18 $92 $854 $71
Civic EX 2-Dr Coupe $130 $306 $386 $22 $116 $960 $80
Civic GX 4-Dr Sedan $130 $306 $308 $18 $92 $854 $71
Civic EX-L 2-Dr Coupe $130 $306 $386 $22 $116 $960 $80
Civic Hybrid 4-Dr Sedan $148 $266 $308 $18 $92 $832 $69
Civic SI 2-Dr Coupe $148 $346 $386 $22 $116 $1,018 $85
Get Your Own Custom Quote Go

Data variables include married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Information does not factor in your specific Scottsdale location which can impact coverage prices noticeably.

Should you raise deductibles?

When comparing auto insurance rates, the most common question is where should you set your physical damage deductibles. The comparison tables below may help you to understand the costs and benefits when you choose different policy deductibles. The first rate comparisons uses a $100 deductible for comprehensive and collision coverage and the second rate table uses a $500 deductible.

Honda Civic insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $224 $466 $300 $18 $90 $1,123 $94
Civic VP 4-Dr Sedan $224 $548 $300 $18 $90 $1,205 $100
Civic LX 4-Dr Sedan $224 $548 $300 $18 $90 $1,205 $100
Civic DX 2-Dr Coupe $224 $548 $374 $22 $112 $1,305 $109
Civic EX 4-Dr Sedan $224 $548 $300 $18 $90 $1,205 $100
Civic LX-S 4-Dr Sedan $224 $548 $300 $18 $90 $1,205 $100
Civic LX 2-Dr Coupe $224 $632 $374 $22 $112 $1,389 $116
Civic EX-L 4-Dr Sedan $258 $632 $300 $18 $90 $1,323 $110
Civic SI 4-Dr Sedan $258 $632 $300 $18 $90 $1,323 $110
Civic EX 2-Dr Coupe $258 $632 $374 $22 $112 $1,423 $119
Civic GX 4-Dr Sedan $258 $632 $300 $18 $90 $1,323 $110
Civic EX-L 2-Dr Coupe $258 $632 $374 $22 $112 $1,423 $119
Civic Hybrid 4-Dr Sedan $292 $548 $300 $18 $90 $1,273 $106
Civic SI 2-Dr Coupe $292 $716 $374 $22 $112 $1,541 $128
Get Your Own Custom Quote Go
Honda Civic insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $164 $314 $300 $18 $90 $886 $74
Civic VP 4-Dr Sedan $164 $370 $300 $18 $90 $942 $79
Civic LX 4-Dr Sedan $164 $370 $300 $18 $90 $942 $79
Civic DX 2-Dr Coupe $164 $370 $374 $22 $112 $1,042 $87
Civic EX 4-Dr Sedan $164 $370 $300 $18 $90 $942 $79
Civic LX-S 4-Dr Sedan $164 $370 $300 $18 $90 $942 $79
Civic LX 2-Dr Coupe $164 $428 $374 $22 $112 $1,100 $92
Civic EX-L 4-Dr Sedan $188 $428 $300 $18 $90 $1,024 $85
Civic SI 4-Dr Sedan $188 $428 $300 $18 $90 $1,024 $85
Civic EX 2-Dr Coupe $188 $428 $374 $22 $112 $1,124 $94
Civic GX 4-Dr Sedan $188 $428 $300 $18 $90 $1,024 $85
Civic EX-L 2-Dr Coupe $188 $428 $374 $22 $112 $1,124 $94
Civic Hybrid 4-Dr Sedan $212 $370 $300 $18 $90 $990 $83
Civic SI 2-Dr Coupe $212 $484 $374 $22 $112 $1,204 $100
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Information does not factor in vehicle location which can influence insurance rates significantly.

Using the data above, we can ascertain that using a $100 deductible will cost you about $24 more each month or $288 a year across all Honda Civic models than quoting the higher $500 deductible. Because you would pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you tend to average at a minimum 17 months between claim filings, you would come out ahead if you elect the higher deductible.

Auto insurance premiums by gender

The example below compares Honda Civic auto insurance rates for male and female drivers. The prices are based on no claims or driving citations, comp and collision included, $100 deductibles, marital status is single, and no discounts are applied to the premium.

Eight Tips to Get Cheap Scottsdale Insurance Premiums

Many different elements are used in the calculation when quoting car insurance. Some are obvious such as traffic violations, but some are not as apparent such as whether you are married or your financial responsibility. Consumers need to have an understanding of the factors that are used to determine your premiums. If you have some idea of what determines base rates, this enables informed choices that may reward you with lower rates.

The factors shown below are some of the most common factors companies use to determine your rate level.

Where you call home is a factor - Having an address in less populated areas of the country is a positive aspect when buying insurance. Urban drivers tend to have congested traffic and higher rates of accident claims. Fewer people corresponds to lower accident rates as well as less vandalism and auto theft.

Costs impacted by vehicle usage - Driving a lot of miles in a year's time the more you'll pay to insure it. A lot of insurance companies price each vehicle's coverage based upon how the vehicle is primarily used. Autos that have low annual miles cost less to insure than those used for commuting. Having the wrong rating on your Civic is just wasting money. It's a smart idea to ensure your vehicle rating properly reflects the correct driver usage, because it can save money.

Certain employers pay higher prices - Careers such as real estate brokers, executives, and accountants generally pay the highest rates in part from stressful work requirements and long work hours. Conversely, jobs like actors, historians and performers receive lower rates.

More than one policy can earn a discount - The majority of companies will give lower prices for people that have more than one policy in the form of a multi-policy discount. Even if you're getting this discount you still need to check prices from other companies to help guarantee you have the best rates. You may still be able to save more without the discount by insuring with multiple companies.

Type of car determines base rates - The make and model of the vehicle you are buying insurance for makes a significant difference in your car insurance bill. Lower performance four cylinder passenger models normally have pretty low rates, but the final cost of insurance is determined by many other factors.

The following chart uses these assumptions: married male driver age 40, full coverage with $100 deductibles, and no discounts or violations. It compares Honda Civic policy rates compared to other models of vehicles that have a range of performance rating factors.

The higher your credit rating the lower your costs - Credit rating is likely to be a major factor in calculating your premium rate. People with good credit tend to file fewer claims than drivers with bad credit. So if your credit score could use some work, you may save money insuring your Honda Civic if you clean up your credit.

Tickets and citations cost more than a fine - Drivers who don't get tickets receive lower rates as compared to careless drivers. Getting just one moving violation could increase your next policy renewal forty percent or more. Drivers who have gotten flagrant tickets like reckless driving, hit and run or driving under the influence may find they need to prove financial responsibility with their state's licensing department in order to keep their license.

The information below highlights how traffic violations and at-fault collisions increase Honda Civic auto insurance costs for each different age category. The premiums assume a married male driver, full physical damage coverage, $250 deductibles, and no policy discounts are applied.

Do safer cars cost less to insure? - Vehicles with high crash test scores can get you lower premiums. The safest vehicles help reduce the chance of injuries in an accident and better occupant protection means less claims paid and cheaper rates on your policy. If your Honda Civic scored better than an "acceptable" rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.

Insurance loss probability for a Honda Civic - Insurers take into consideration historical loss data for every vehicle when they set coverage costs for each model. Vehicles that statistically have increased claim numbers or amounts will cost more for coverage.

The table shown below demonstrates the collected loss data for Honda Civic vehicles. For each coverage category, the statistical loss for all vehicles, as an average, equals 100. Numbers below 100 indicate a favorable loss history, while percentages above 100 indicate a higher chance of having a claim or tendency to have higher losses.

Auto Insurance Loss Data for Honda Civic Models
Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Honda Civic 92 105 68 127 135 121
Honda Civic Hybrid 90 85 106 105 78
Honda Civic Si 126 97 117 124 104
BETTER
AVERAGE
WORSE

Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Compare insurance rates regularly to save

Some insurance companies may not offer internet price quotes and many times these smaller providers prefer to sell through local independent agencies. Budget-conscious Honda Civic insurance is available from both online companies as well as from independent agents in Scottsdale, and you should compare price quotes from both in order to have the best price selection to choose from.

As you quote Scottsdale car insurance, make sure you don't buy poor coverage just to save money. In many cases, an insured dropped comprehensive coverage or liability limits only to discover later that their decision to reduce coverage ended up costing them more. Your objective should be to buy the best coverage you can find for the lowest price, but do not skimp to save money.

We covered a lot of information how to reduce Honda Civic insurance premium rates online in Scottsdale. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. You may even be surprised to find that the best price on insurance is with the smaller companies.

How to save on Honda Civic insurance in Scottsdale

If you want to save money, the best way to get discount car insurance rates is to compare prices at least once a year from insurance carriers who sell auto insurance in Scottsdale.

  1. It will benefit you to learn about car insurance and the things you can control to prevent expensive coverage. Many policy risk factors that result in higher prices such as at-fault accidents and a substandard credit score can be remedied by making minor changes to your lifestyle.
  2. Compare price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only provide price estimates from one company like Progressive or Allstate, while independent agents can provide rate quotes for many different companies. Start a quote
  3. Compare the price quotes to your current policy premium and determine if cheaper Civic coverage is available in Scottsdale. If you find better rates and switch companies, make sure there is no lapse in coverage.
  4. Tell your current company of your intent to cancel your current coverage and submit payment and a signed application to your new company or agent. Immediately upon receiving it, keep the new certificate of insurance in an accessible location in your vehicle.

The key aspect of shopping around is that you use the same coverage limits and deductibles on each quote request and and to get prices from as many companies as you can. Doing this enables an accurate price comparison and the best price selection.

Other information