Finding the best cheap coverage for a Honda Civic hinges on many factors such as your gender, where you live, and driving citations. Drivers pay around $733 per year to insure their Civic, but that is using a 40-year-old married male driver with both comprehensive and collision coverage and $1,000 deductibles.
This brings up the issue that more than likely you’re not a 40-year-old male, single instead of married, and maybe you have sub-par credit that needs to be factored in. Having different needs demonstrates why the only way to find cheap car insurance rates for your Honda is to do a thorough rate comparison. Get your free quotes now and you will receive rate quotes from some of the cheapest companies that offer coverage in Alaska.
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The trim level of your Honda tends to have a direct impact on the coverage cost, so the price you will be charged to insure a Civic DX 4-Dr Sedan will be $234 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 | $102 | $206 | $280 | $16 | $84 | $688 | $57 |
| Civic VP 4-Dr Sedan | $102 | $242 | $280 | $16 | $84 | $724 | $60 |
| Civic LX 4-Dr Sedan | $102 | $242 | $280 | $16 | $84 | $724 | $60 |
| Civic DX 2-Dr Coupe | $102 | $242 | $350 | $20 | $104 | $818 | $68 |
| Civic EX 4-Dr Sedan | $102 | $242 | $280 | $16 | $84 | $724 | $60 |
| Civic LX-S 4-Dr Sedan | $102 | $242 | $280 | $16 | $84 | $724 | $60 |
| Civic LX 2-Dr Coupe | $102 | $278 | $350 | $20 | $104 | $854 | $71 |
| Civic EX-L 4-Dr Sedan | $118 | $278 | $280 | $16 | $84 | $776 | $65 |
| Civic SI 4-Dr Sedan | $118 | $278 | $280 | $16 | $84 | $776 | $65 |
| Civic EX 2-Dr Coupe | $118 | $278 | $350 | $20 | $104 | $870 | $73 |
| Civic GX 4-Dr Sedan | $118 | $278 | $280 | $16 | $84 | $776 | $65 |
| Civic EX-L 2-Dr Coupe | $118 | $278 | $350 | $20 | $104 | $870 | $73 |
| Civic Hybrid 4-Dr Sedan | $134 | $242 | $280 | $16 | $84 | $756 | $63 |
| Civic SI 2-Dr Coupe | $134 | $314 | $350 | $20 | $104 | $922 | $77 |
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Price data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Alaska minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Price information does not factor in Anchorage location which can alter auto insurance rates greatly.
Finding dependable, budget auto insurance is not easy, and figuring out which companies quote the best car insurance rates for a Honda Civic calls for even more rate comparisons.
Every insurance provider has a unique formula for determining rates, so we’ll go over the car insurance companies with the most affordable rates in Anchorage.
Best Cheap Insurance Rates for Your Honda
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Umialik | $874 |
| 2 | USAA | $939 |
| 3 | State Farm | $975 |
| 4 | Progressive | $1,223 |
| 5 | GEICO | $1,886 |
| 6 | Allstate | $2,397 |
| 7 | Safeco | $2,526 |
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Umialik offers some of the best car insurance rates in Anchorage at around $874 each year. This is $669 less than the average premium paid by Alaska drivers of $1,543. USAA, State Farm, Progressive, and GEICO also rank well as some of the best Anchorage, AK insurance companies.
As shown in the table above, if you are a customer of Progressive and switched to Umialik, you could earn yearly savings of upwards of $349. Insureds with GEICO could save as much as $1,012 a year, and Allstate policyholders might realize rate reductions of up to $1,523 a year.
These estimates are averages across all drivers and vehicles in Alaska and and are not figured with an exact vehicle garaging location for a Honda Civic. So the auto insurance company that is most affordable for your situation may not even be in the list above. That illustrates why you need to get rate quotes using your own driver and vehicle profiles.
Get discount Anchorage insurance
Insurance providers that provide coverage for a Honda Civic may additionally offer premium discounts that could lower prices by 30% or more if you meet the requirements. Large car insurance companies and some of the premium reductions they offer are detailed below.
- Farm Bureau has discounts for driver training, good student, youthful driver, multi-vehicle, and 55 and retired.
- Liberty Mutual may have discounts that include safety features, good student, multi-car, preferred payment discount, and new graduate.
- State Farm offers premium reductions for driver’s education, good driver, defensive driving training, student away at school, and anti-theft.
- Auto-Owners Insurance may include discounts for safe vehicle, anti-lock brakes, safe driver, anti-theft, company car, good student, and group or association.
- GEICO offers discounts including daytime running lights, anti-lock brakes, good student, defensive driver, membership and employees, and federal employee.
- SAFECO may offer discounts for multi-car, teen safety rewards, homeowner, bundle discounts, anti-lock brakes, and anti-theft.
The diagram below illustrates the comparison of premium costs with and without discounts. The rates are based on a male driver, no driving violations, no at-fault accidents, Alaska state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.
The first bar for each age group shows premium with no discounts. The second bar shows the rates with safe-driver, defensive driving course, anti-theft, claim-free, passive restraint, and accident-free discounts applied. When discounts are factored in, theamount saved on car insurance for a Honda Civic is 28% or $592.
Cost comparison with and without full coverage
Reducing premiums for car insurance is the goal of the majority of vehicle owners, and one easy way to pay less for insurance for a Honda Civic is to not buy comprehensive and collision coverage. The information below shows the comparison of insurance premiums when comparing full coverage to liability only. The rates are based on no violations or accidents, $500 deductibles, drivers are not married, and no discounts are applied.
Averaged out for all age groups, full coverage on your policy costs $1,713 per year more than insuring for liability only. That is a big expense that brings up the question when is the right time to remove full coverage. There is no set rule of when to eliminate physical damage coverage on your policy, but there is a general convention. If the yearly cost of full coverage is more than about 10% of the settlement you would receive from your company, then you might want to consider buying only liability coverage.
Illustration showing the impact of accidents and violations
The easiest way to get low car insurance prices in Anchorage for a Civic is to be a cautious driver and maintain a clean driving record. The example below illustrates how violations and accident claims can influence yearly insurance costs for different age groups. The data is based on a single male driver, full physical damage coverage, $250 deductibles, and no discounts are applied to the premium.
The chart shows that the average cost of a car insurance policy in Anchorage per year with no accidents and a clean driving record is $1,783. Get two speeding tickets and the average cost jumps to $2,363, an increase of $580 each year. Now throw in two accidents along with the two speeding tickets and the 12-month cost of car insurance for a Honda Civic increases to an average of $4,491. That’s an increase of $2,708, or $226 per month, just for not driving attentively!