Buying lower priced Raleigh Honda Civic insurance quotes on the internet can be rather challenging for consumers who are new to comparing rates on the web. With more and more online companies, how can consumers even start to compare each option to find the cheapest price possible?
Unbelievably, almost 70% of drivers have bought insurance from the same company for over three years, and just under half have never even compared quotes to find cheaper rates. With the average premium in North Carolina being $976, drivers could cut their rates by approximately $90 a year, but they don’t know how much they could save if they switched.
Locating the cheapest protection in Raleigh is not as hard as you may think. Essentially every driver who needs lower cost insurance will most likely get better rates. But North Carolina consumers need to learn the way insurance companies determine prices and use it to your advantage.
Informed Drivers Can Save Money
It’s important that you understand some of the elements that help determine your insurance rates. If you have some idea of what impacts premium levels, this helps enable you to make changes that could help you find much lower annual insurance costs.
The items below are a few of the “ingredients” that factor into your rates.
Liability protection risk factors – Your policy’s liability coverage is the coverage that protects you if ever you are responsible for damages caused by your negligence. Liability provides legal defense coverage which can cost thousands of dollars. This coverage is very inexpensive as compared to coverage for physical damage, so do not cut corners here.
Long commutes cost more – Driving more miles in a year the higher the price you pay to insure it. Most companies calculate prices determined by how the vehicle is used. Cars and trucks that do not get driven very much receive lower rates compared to those used for work or business. Double check that your declarations sheet correctly shows the proper vehicle usage. Having the wrong rating on your Civic can cost quite a bit.
Reduce premiums by driving cars with good safety ratings – Cars with five star safety ratings are cheaper to insure. Safe vehicles result in less severe injuries and better occupant protection means lower claim amounts and thus lower rates. If your Honda scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may be receiving a better rate.
Type of car determines base rates – The make and model of the vehicle you are trying to find cheaper insurance for makes a substantial difference in your auto insurance rates. Lower cost passenger cars usually are quite affordable to insure, but other factors influence the final cost greatly.
The following data is based on a married male driver age 30, full coverage with $500 deductibles, and no discounts or violations. It shows Honda Civic insurance rates compared to other models that have a range of risk factors.
Don’t buy add-on coverages that aren’t used – There are a ton of additional extra coverages that you can get tricked into buying if you don’t pay attention. Add-on coverages like rental car coverage, accidental death, and motor club memberships are probably not needed. The coverages may be enticing when talking to your agent, but if you don’t need them get rid of them and save.
Save money with GPS tracking and theft deterrents – Purchasing a vehicle with a theft deterrent system can help bring down rates. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help stop car theft and help bring rates down.
Honda Civic insurance loss probability – Auto insurance companies analyze claim trends for every vehicle when they calculate premium rates for each model. Models that statistically have higher number or severity of losses will cost more for specific coverages. The next table illustrates the collected loss data for Honda Civic vehicles.
For each coverage category, the claim probability for all vehicles, regardless of make or model, is equal to 100. Percentages below 100 represent a good loss history, while percentages above 100 indicate more frequent claims or an increased likelihood of larger losses.
| 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 |
Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
When shopping for the cheapest Honda Civic rate quotes, there are a couple of ways to compare quotes from many available auto insurance companies in North Carolina. One of the best ways to find affordable Honda Civic insurance rates involves getting comparison quotes online. When comparison shopping, comparing more rates from different companies will increase your chances of finding a lower rate than you’re paying now.
The companies in the list below are our best choices to provide quotes in Raleigh, NC. If you want cheaper auto insurance in North Carolina, it’s highly recommended you click on several of them in order to find the most affordable rates.
Honda Civic insurance statistics and information
The table displayed next outlines different insurance coverage prices for Honda Civic models. Learning a little about how auto insurance premiums are determined can assist in making smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $118 | $204 | $326 | $20 | $98 | $766 | $64 |
| Civic VP 4-Dr Sedan | $118 | $240 | $326 | $20 | $98 | $802 | $67 |
| Civic LX 4-Dr Sedan | $118 | $240 | $326 | $20 | $98 | $802 | $67 |
| Civic DX 2-Dr Coupe | $118 | $240 | $408 | $24 | $122 | $912 | $76 |
| Civic EX 4-Dr Sedan | $118 | $240 | $326 | $20 | $98 | $802 | $67 |
| Civic LX-S 4-Dr Sedan | $118 | $240 | $326 | $20 | $98 | $802 | $67 |
| Civic LX 2-Dr Coupe | $118 | $276 | $408 | $24 | $122 | $948 | $79 |
| Civic EX-L 4-Dr Sedan | $136 | $276 | $326 | $20 | $98 | $856 | $71 |
| Civic SI 4-Dr Sedan | $136 | $276 | $326 | $20 | $98 | $856 | $71 |
| Civic EX 2-Dr Coupe | $136 | $276 | $408 | $24 | $122 | $966 | $81 |
| Civic GX 4-Dr Sedan | $136 | $276 | $326 | $20 | $98 | $856 | $71 |
| Civic EX-L 2-Dr Coupe | $136 | $276 | $408 | $24 | $122 | $966 | $81 |
| Civic Hybrid 4-Dr Sedan | $152 | $240 | $326 | $20 | $98 | $836 | $70 |
| Civic SI 2-Dr Coupe | $152 | $314 | $408 | $24 | $122 | $1,020 | $85 |
| Get Your Own Custom Quote Go | |||||||
Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Estimates do not factor in garaging location in Raleigh which can alter auto insurance rates substantially.
Physical damage deductibles
When buying car insurance, a common question is how high should your deductibles be. The tables below summarize the premium difference when you buy lower versus higher deductibles. The first price estimate table uses a $250 comprehensive and collision deductible and the second price table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $168 | $324 | $250 | $14 | $74 | $855 | $71 |
| Civic VP 4-Dr Sedan | $168 | $382 | $250 | $14 | $74 | $913 | $76 |
| Civic LX 4-Dr Sedan | $168 | $382 | $250 | $14 | $74 | $913 | $76 |
| Civic DX 2-Dr Coupe | $168 | $382 | $312 | $18 | $94 | $999 | $83 |
| Civic EX 4-Dr Sedan | $168 | $382 | $250 | $14 | $74 | $913 | $76 |
| Civic LX-S 4-Dr Sedan | $168 | $382 | $250 | $14 | $74 | $913 | $76 |
| Civic LX 2-Dr Coupe | $168 | $440 | $312 | $18 | $94 | $1,057 | $88 |
| Civic EX-L 4-Dr Sedan | $192 | $440 | $250 | $14 | $74 | $995 | $83 |
| Civic SI 4-Dr Sedan | $192 | $440 | $250 | $14 | $74 | $995 | $83 |
| Civic EX 2-Dr Coupe | $192 | $440 | $312 | $18 | $94 | $1,081 | $90 |
| Civic GX 4-Dr Sedan | $192 | $440 | $250 | $14 | $74 | $995 | $83 |
| Civic EX-L 2-Dr Coupe | $192 | $440 | $312 | $18 | $94 | $1,081 | $90 |
| Civic Hybrid 4-Dr Sedan | $218 | $382 | $250 | $14 | $74 | $963 | $80 |
| Civic SI 2-Dr Coupe | $218 | $498 | $312 | $18 | $94 | $1,165 | $97 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $136 | $262 | $250 | $14 | $74 | $736 | $61 |
| Civic VP 4-Dr Sedan | $136 | $308 | $250 | $14 | $74 | $782 | $65 |
| Civic LX 4-Dr Sedan | $136 | $308 | $250 | $14 | $74 | $782 | $65 |
| Civic DX 2-Dr Coupe | $136 | $308 | $312 | $18 | $94 | $868 | $72 |
| Civic EX 4-Dr Sedan | $136 | $308 | $250 | $14 | $74 | $782 | $65 |
| Civic LX-S 4-Dr Sedan | $136 | $308 | $250 | $14 | $74 | $782 | $65 |
| Civic LX 2-Dr Coupe | $136 | $354 | $312 | $18 | $94 | $914 | $76 |
| Civic EX-L 4-Dr Sedan | $156 | $354 | $250 | $14 | $74 | $848 | $71 |
| Civic SI 4-Dr Sedan | $156 | $354 | $250 | $14 | $74 | $848 | $71 |
| Civic EX 2-Dr Coupe | $156 | $354 | $312 | $18 | $94 | $934 | $78 |
| Civic GX 4-Dr Sedan | $156 | $354 | $250 | $14 | $74 | $848 | $71 |
| Civic EX-L 2-Dr Coupe | $156 | $354 | $312 | $18 | $94 | $934 | $78 |
| Civic Hybrid 4-Dr Sedan | $176 | $308 | $250 | $14 | $74 | $822 | $69 |
| Civic SI 2-Dr Coupe | $176 | $402 | $312 | $18 | $94 | $1,002 | $84 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Table data does not factor in the specific area where the vehicle is garaged which can decrease or increase insurance rates significantly.
Based on the data above, we can derive that using a $250 deductible costs approximately $11 more each month or $132 each year than quoting the higher $500 deductible. Since you would pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you usually have at least 23 months between claims, you would save more money if you decide on a higher deductible.
The diagram below shows how choosing a deductible and can impact Honda Civic insurance costs for each different age group. The price estimates are based on a married male driver, full coverage, and no discounts are taken into consideration.
Accidents and violations increase rates
The chart below illustrates how speeding tickets and at-fault accidents drive up Honda Civic car insurance costs for each age group. The price estimates are based on a single female driver, comp and collision included, $100 deductibles, and no other discounts are factored in.
Why you need quality insurance for your vehicle
Even though it’s not necessarily cheap to insure a Honda in Raleigh, auto insurance is not optional due to several reasons.
First, most states have mandatory insurance requirements which means the state requires a specific minimum amount of liability coverage if you drive a vehicle. In North Carolina these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you bought your vehicle with a loan, it’s most likely the lender will have a requirement that you have physical damage coverage to ensure they get paid if you total the vehicle. If you default on your policy, the lender may insure your Honda for a much higher rate and force you to reimburse them a much higher amount than you were paying before.
Third, insurance safeguards both your assets and your car. It will also reimburse you for many types of medical costs for you, any passengers, and anyone injured in an accident. Liability coverage will also pay to defend you if you are sued as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive and/or collision insurance will cover the damage repairs after a deductible is paid.
The benefits of having auto insurance are without a doubt worth the cost, especially with large liability claims. Despite what companies tell you, the average driver is wasting up to $800 each year so it’s very important to do a rate comparison at least once a year to help ensure money is not being wasted.
Car insurance policy discounts for Honda Civic insurance in Raleigh
Insurance can be prohibitively expensive, but you may qualify for discounts that many people don’t even know exist. Some discounts will apply at quote time, but a few need to be specially asked for before they will apply.
- Telematics Discount – People who choose to allow driving data collection to spy on vehicle usage by using a telematics device in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system could save a few bucks as long as the data is positive.
- Discounts for Multiple Vehicles – Buying insurance for multiple cars with the same company could earn a price break for each car.
- Resident Student – Youth drivers living away from Raleigh attending college and do not take a car to college could qualify for this discount.
- Government Employee Discount – Active or retired federal employment could qualify for a slight premium decrease with some car insurance companies.
- Discount for New Cars – Buying a new car model can be considerably cheaper compared to insuring an older model.
- Military Deployment Discount – Having a family member in the military could trigger a small discount.
- Theft Deterrent Discount – Vehicles that have factory alarm systems and tracking devices have a lower chance of being stolen and qualify for as much as a 10% discount.
- Driver Safety – Completing a course in defensive driving could save 5% or more if you qualify.
- Driver’s Education for Students – It’s a good idea to have your young drivers enroll and complete driver’s education as it can save substantially.
- Claim-Free Discount – Claim-free drivers pay less in comparison to bad drivers.
One last thing about discounts, many deductions do not apply to the entire cost. Most only cut individual premiums such as liability and collision coverage. So even though they make it sound like all those discounts means the company will pay you, company stockholders wouldn’t be very happy.
The information below visualizes the comparison of Honda Civic insurance rates with and without some available policy discounts. Data assumes a female driver, no violations or accidents, North Carolina state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, safe-driver, marriage, multi-car, and homeowner discounts applied.
If you would like to see a list of insurers offering car insurance discounts in North Carolina, follow this link.
Comparing quotes from local Raleigh car insurance agents
A small number of people just want to buy from a licensed agent and that can be a smart move One of the great benefits of comparing rate quotes online is that you can find the best rates but still work with a licensed agent. Buying insurance from local insurance agencies is important especially in Raleigh.
To find an agent, once you fill out this form (opens in new window), the coverage information is transmitted to companies in Raleigh who want to provide quotes for your business. You never need to contact an agency since price quotes are sent straight to your inbox. You can most likely find cheaper rates and work with a local agent. If you wish to get a rate quote from one company in particular, you can always search and find their rate quote page and fill out their quote form.
When researching a reputable insurance agent or broker, it’s helpful to know the different agency structures and how they work. Agents in Raleigh can either be independent agents or exclusive agents depending on their employer.
Independent Insurance Agents
Independent agencies can sell policies from many different companies and that is an advantage because they can write policies with any number of different companies and get you the best rates possible. If they find a cheaper price, they simply move the coverage in-house and you don’t have to find a new agent. When comparing auto insurance rates, we recommend you get several quotes from several independent insurance agents to have the best price comparison. Many can place coverage with smaller mutual companies which can be an advantage.
The following are Raleigh independent insurance agents that can give you cheap rate quotes.
- Durfey-Hoover-Bowden Insurance Agency
3741 Benson Dr – Raleigh, NC 27609 – (919) 790-6415 – View Map - Blackmon Insurance
3416 Poole Rd # 110 – Raleigh, NC 27610 – (919) 231-8131 – View Map - Superior Insurance of Raleigh
2431 Spring Forest Rd #123 – Raleigh, NC 27615 – (919) 261-6164 – View Map
Exclusive Agents
Agents that elect to be exclusive work for only one company such as Farmers Insurance, State Farm, Allstate, and AAA. These agents are not able to provide prices from multiple companies so it’s a take it or leave it situation. Exclusive agents are usually well trained on sales techniques which helps them sell insurance even at higher premiums. Some people will only use the same agent mainly due to loyalty to the company and the convenience of having all coverages with one company.
Shown below is a list of exclusive insurance agencies in Raleigh that are able to give comparison quotes.
- Karen Boone – State Farm Insurance Agent
5603 Creedmoor Rd – Raleigh, NC 27612 – (919) 782-6666 – View Map - David Brown – State Farm Insurance Agent
9380 Falls of Neuse Rd #105 – Raleigh, NC 27615 – (919) 846-1819 – View Map - Amanda Hagood – State Farm Insurance Agent
5910 Duraleigh Rd #135 – Raleigh, NC 27612 – (919) 834-3615 – View Map
Choosing the best insurance agency shouldn’t rely on just a cheap price. These are some valid questions you should ask.
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- Is auto insurance their primary focus in Raleigh?
- How often do they review policy coverages?
- Will they take your side in the event of a claim?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Do they write coverage based solely on cost?
After you get good answers to your questions in addition to an acceptable price estimate, you may have found an insurance agency that is reliable enough to properly insure your vehicles. Just understand that you can terminate your policy any time you want so don’t think that you are permanently stuck with a policy indefinitely.
Affordable insurance premiums are out there
Lower-priced Honda Civic insurance in Raleigh is possible both online and from local insurance agents, so you should compare both to have the best selection. Some insurance providers don’t offer rate quotes online and usually these regional carriers only sell through independent insurance agencies.
Consumers leave their current company for any number of reasons including being labeled a high risk driver, unfair underwriting practices, delays in paying claims and lack of trust in their agent. It doesn’t matter what your reason, finding the right insurance provider is easier than you think.
While you’re price shopping online, you should never reduce coverage to reduce premium. In many instances, consumers will sacrifice liability coverage limits only to find out that it was a big error on their part. Your objective should be to purchase plenty of coverage for the lowest price and still be able to protect your assets.
How to find discount Honda Civic insurance in Raleigh
To save the most money, the best way to quote cheaper car insurance rates is to start comparing rates regularly from insurers who provide car insurance in Raleigh.
- Gain an understanding of the coverage provided by your policy and the factors you can control to lower rates. Many risk factors that are responsible for high rates like inattentive driving and a bad credit score can be eliminated by being financially responsible and driving safely.
- Quote rates from direct, independent, and exclusive agents. Exclusive and direct companies can provide rates from a single company like GEICO or State Farm, while agents who are independent can provide prices from multiple insurance companies. View a list of agents
- Compare the new rates to your current policy premium and determine if cheaper Civic coverage is available. If you find a lower rate quote and buy the policy, ensure coverage does not lapse between policies.
- Notify your agent or company of your intent to cancel your current coverage. Submit a completed application and payment to your new insurance company. As soon as you have the new policy, place the new certificate verifying coverage in an easily accessible location.
An important bit of advice to remember is to try to use the same coverage limits and deductibles on every quote request and and to get quotes from every company you can. Doing this guarantees the most accurate price comparison and a complete price analysis.
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- How Much are Raleigh Auto Insurance Quotes for Postal Workers? (FAQ)
- State Laws for Cellphones and Texting (iihs.org)
- Property Damage Coverage (Liberty Mutual)
- What Does No-Fault Insurance Cover? (Allstate)