Who Has Cheap Car Insurance Quotes for a Honda Civic in Cleveland?

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Honda Civic insurance rates
Honda Civic insurance rates image courtesy of QuoteInspector.com

Buying affordable auto insurance for a Honda Civic is dependent upon a lot of rating criteria such as your marital status, your residence address, and physical damage deductibles. Drivers in Ohio will pay on average $1,128 annually to insure their Civic, but that figure is an approximation using a 30-year-old single female driver with full physical damage coverage and $100 deductibles.

It's highly likely you're not a 30-year-old female, maybe you are married instead of single, or maybe you just want different deductibles. Different coverage needs are the reason why the way we recommend to find the cheapest insurance price for your Honda is to put in the effort to do a thorough rate comparison.

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Your vehicle's trim level will have an impact the coverage cost, so the price you will be charged to insure a Civic DX 4-Dr Sedan will cost $390 less than the insurance cost for the higher-priced Civic SI 2-Dr Coupe trim level, as shown in the chart below.

Honda Civic Insurance Rates in Cleveland, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $188 $434 $306 $18 $92 $1,038 $87
Civic VP 4-Dr Sedan $188 $512 $306 $18 $92 $1,116 $93
Civic LX 4-Dr Sedan $188 $512 $306 $18 $92 $1,116 $93
Civic DX 2-Dr Coupe $188 $512 $382 $22 $114 $1,218 $102
Civic EX 4-Dr Sedan $188 $512 $306 $18 $92 $1,116 $93
Civic LX-S 4-Dr Sedan $188 $512 $306 $18 $92 $1,116 $93
Civic LX 2-Dr Coupe $188 $588 $382 $22 $114 $1,294 $108
Civic EX-L 4-Dr Sedan $216 $588 $306 $18 $92 $1,220 $102
Civic SI 4-Dr Sedan $216 $588 $306 $18 $92 $1,220 $102
Civic EX 2-Dr Coupe $216 $588 $382 $22 $114 $1,322 $110
Civic GX 4-Dr Sedan $216 $588 $306 $18 $92 $1,220 $102
Civic EX-L 2-Dr Coupe $216 $588 $382 $22 $114 $1,322 $110
Civic Hybrid 4-Dr Sedan $244 $512 $306 $18 $92 $1,172 $98
Civic SI 2-Dr Coupe $244 $666 $382 $22 $114 $1,428 $119
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Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Rate quotes do not factor in your specific Cleveland location which can influence coverage prices considerably.

Cleveland car insurance companies ranked

Insuring your vehicle with a high-quality insurance company can be difficult considering how many companies are available to choose from in Cleveland. The ranking data below can help you choose which providers to look at when looking for cheaper rates. These ratings only include companies who write in the majority of U.S. states, so companies that focus mainly on Ohio business are not included in the list.

Top 10 Large Auto Insurance Providers in Cleveland Ranked by A.M. Best Rating

  1. USAA - A++
  2. GEICO - A++
  3. Travelers - A++
  4. State Farm - A++
  5. Allstate - A+
  6. Progressive - A+
  7. Erie Insurance - A+
  8. The Hartford - A+
  9. Nationwide - A+
  10. Esurance - A+

Top 10 Large Auto Insurance Providers in Cleveland Ranked by Value

  1. USAA
  2. GEICO
  3. AAA Insurance
  4. Erie Insurance
  5. State Farm
  6. Liberty Mutual
  7. Safeco Insurance
  8. Allstate
  9. 21st Century
  10. Travelers

Cost difference between full coverage and liability

Paying less for car insurance should be important to the majority of drivers, and one easy way to pay less for insurance for a Honda Civic is to not buy full coverage. The chart below compares annual premium costs with full coverage and liability only. The data is based on no tickets, no at-fault accidents, $250 deductibles, drivers are single, and no discounts are factored in.

If the expense is averaged for all age categories, physical damage coverage on your policy costs $1,648 per year more than just buying liability insurance. That amount may make you wonder if it's a good idea to buy full coverage. There is no written rule of when to stop paying for full coverage on your policy, but there is a guideline you can use. If the annual cost of coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to consider buying only liability coverage.

For example, let's pretend your vehicle's replacement value is $9,500 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 $8,500 after paying your deductible. If you are paying more than $850 a year for physical damage coverage, then it might be time to consider dropping full coverage.

The information below illustrates how your deductible choice can influence insurance prices when quoting cheap insurance for a Honda Civic. Data assumes a single male driver, comprehensive and collision coverage, and no discounts are applied.

As shown above, a 40-year-old driver could save $216 a year by changing from a $100 deductible to a $500 deductible, or save $326 by using a $1,000 deductible. Youthful drivers, such as the 20-year-old chart data, could possibly save as much as $718 annually just by using higher deductibles. When using a larger deductible, it will be required to have enough savings set aside to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.

How to find the cheapest car insurance for a Honda Civic

It is possible to find better rates, and here are some thrifty suggestions that can help you find cheap car insurance.

The last item on the list is highly crucial, as we stressed in the prior information. Prices charged by auto insurers can change in a short period of time, so don't be afraid to buy a policy from a new company if a lower price can be found.

Brand loyalty is not necessarily bad, but it isn't a good idea if that devotion results in you overpaying lots of hard earned cash every month. Now is a great time to shop around to find cheaper car insurance for a Honda Civic in Cleveland.