Auto Insurance Rates for a Honda Civic in Louisville

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Insurance for Honda CivicWant to know an easy way to compare cheaper Honda Civic insurance in Louisville? Wish you could get a refund on high-priced Honda Civic insurance in Louisville? Believe me when I say many Louisville drivers feel the same as you.

Sadly, about 70% of customers kept their coverage with the same auto insurance company for over three years, and nearly the majority have never even compared quotes to find cheap rates. Consumers in Kentucky could save 30% a year by just comparing quotes, but they don't believe how much they could save if they replace their high priced policy.

How to buy lower priced Honda Civic insurance in Louisville

Really, the only way to find cheaper prices for car insurance rates is to compare prices regularly from providers who provide car insurance in Louisville. This can be done by following these steps.

  • First, gain an understanding of coverages and the measures you can take to prevent high rates. Many factors that drive up the price like traffic citations, accidents, and a bad credit rating can be amended by making minor changes to your lifestyle. Keep reading for additional tips to help reduce prices and get bigger discounts that may have been overlooked.
  • Second, compare price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can provide rates from a single company like GEICO and Allstate, while independent agencies can provide rate quotes from multiple companies. Compare rates
  • Third, compare the new rates to your current policy premium to see if you can save by switching companies. If you find a better price and switch companies, ensure there is no coverage lapse between policies.
  • Fourth, provide notification to your current company of your decision to cancel the current policy and submit any necessary down payment along with the completed application to the newly selected company. Be sure to store the certificate verifying coverage along with your vehicle registration.

The most important part of shopping around is that you use similar coverage information on every quote and and to get price estimates from as many companies as feasibly possible. Doing this enables the most accurate price comparison and a better comparison of the market.

Due to the increasing number of insurance providers from which to choose, it is hard for the average consumer to find the most cost effective auto insurance provider.

This information will help educate you on the most effective ways to compare rates and how to save the most money. If you have coverage now, you stand a good chance to be able to find better prices using the concepts covered in this article. Smart buyers just have to understand the quickest way to compare different rates on the web.

Find Honda Civic Insurance More Affordably

Lots of things are used in the calculation when you get your auto insurance bill. Most are fairly basic like an MVR report, but other criteria are not as apparent like your continuous coverage or your financial responsibility. One of the most helpful ways to save on car insurance is to to have a grasp of the rating factors that play a part in calculating the level of your policy premiums. If you know what determines premiums, this empowers consumers to make smart changes that may result in lower premium levels.

  • The type of car you drive affects your rates - The make and model of the car you need to insure makes a substantial difference in your rates. Lower performance four cylinder passenger cars receive the most favorable rates, but that's not the only thing that factors into the final price.

    The data below is based on a married male driver age 30, full coverage with $250 deductibles, and no discounts or violations. It compares Honda Civic insurance premiums compared to other vehicles that have a range of performance rating factors.

  • GPS tracking and theft deterrents lowers premiums - Choosing a vehicle with advanced anti-theft systems can earn a premium discount. Systems that thwart thieves like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all help prevent auto theft.
  • Teenagers are high risk - Young drivers in Kentucky have been known to be careless and easily distracted with other occupants in the car and because of this, their car insurance rates are much higher. Adding a first-time driver onto your car insurance can cause a big jump in price. Older, more experienced drivers have been proven to be more responsible, cost insurance companies less in claims, and are safer drivers.

    The chart below assumes a single driver, full coverage with $500 deductibles, and no discounts or violations.

  • Know your credit rating - Your credit score will be a significant factor in determining your rates. Therefore, if your credit history can use some improvement, you could save money insuring your Honda Civic by improving your rating. Insureds with excellent credit tend to file fewer claims than those with poor credit.
  • No policy gaps is important - Allowing your car insurance policy to lapse is a guaranteed way to drive up your policy premiums. Not only will you pay higher rates, getting caught without coverage could result in fines or a revoked license.
  • Low coverage deductibles mean high premiums - The deductibles you choose represent how much money you are required to spend if a claim is determined to be covered. Coverage for physical damage, also called 'full coverage', is used to repair damage to your car. Some examples of claims that would be covered would be colliding with a stationary object, collision with a deer, and damage from wind. The higher the amount you're willing to pay, the less money you will pay for car insurance.
  • Claims statistics for a Honda Civic - Companies use statistical claims data as a tool for profitable underwriting. Vehicles that the data shows to have higher loss trends will have higher premium rates.

    The table below shows the insurance loss data used by companies for Honda Civic vehicles. For each coverage type, the loss probability for all vehicles, without regard to make or model, is represented as 100. Values under 100 indicate a favorable loss history, while numbers shown that are more than 100 point to more frequent losses or an increased likelihood of larger losses.

    Honda Civic Insurance Claim Statistics
    Specific Honda 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
    Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

The providers in the list below are our best choices to provide price quotes in Louisville, KY. If multiple companies are listed, we suggest you get rates from several of them to find the most competitive car insurance rates.

Rates and other information

The rate information displayed below showcases estimates of coverage costs for Honda Civic models. Understanding how car insurance prices are figured can aid in making smart choices when selecting a coverage provider.

Honda Civic Insurance Rates in Louisville, KY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $172 $362 $314 $18 $94 $960 $80
Civic VP 4-Dr Sedan $172 $426 $314 $18 $94 $1,024 $85
Civic LX 4-Dr Sedan $172 $426 $314 $18 $94 $1,024 $85
Civic DX 2-Dr Coupe $172 $426 $392 $24 $118 $1,132 $94
Civic EX 4-Dr Sedan $172 $426 $314 $18 $94 $1,024 $85
Civic LX-S 4-Dr Sedan $172 $426 $314 $18 $94 $1,024 $85
Civic LX 2-Dr Coupe $172 $490 $392 $24 $118 $1,196 $100
Civic EX-L 4-Dr Sedan $196 $490 $314 $18 $94 $1,112 $93
Civic SI 4-Dr Sedan $196 $490 $314 $18 $94 $1,112 $93
Civic EX 2-Dr Coupe $196 $490 $392 $24 $118 $1,220 $102
Civic GX 4-Dr Sedan $196 $490 $314 $18 $94 $1,112 $93
Civic EX-L 2-Dr Coupe $196 $490 $392 $24 $118 $1,220 $102
Civic Hybrid 4-Dr Sedan $222 $426 $314 $18 $94 $1,074 $90
Civic SI 2-Dr Coupe $222 $554 $392 $24 $118 $1,310 $109
Get Your Own Custom Quote Go

Data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Kentucky minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Rates do not factor in specific Louisville garaging location which can impact coverage rates significantly.

Analysis of deductible levels

When comparing auto insurance rates, the most common question is how low should you set your deductibles. The data tables below can help illustrate the premium difference between high and low deductibles. The first set of rates uses a $250 comprehensive and collision deductible and the second pricing table uses a $500 deductible.

Honda Civic insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $220 $426 $326 $20 $98 $1,115 $93
Civic VP 4-Dr Sedan $220 $500 $326 $20 $98 $1,189 $99
Civic LX 4-Dr Sedan $220 $500 $326 $20 $98 $1,189 $99
Civic DX 2-Dr Coupe $220 $500 $408 $24 $122 $1,299 $108
Civic EX 4-Dr Sedan $220 $500 $326 $20 $98 $1,189 $99
Civic LX-S 4-Dr Sedan $220 $500 $326 $20 $98 $1,189 $99
Civic LX 2-Dr Coupe $220 $576 $408 $24 $122 $1,375 $115
Civic EX-L 4-Dr Sedan $252 $576 $326 $20 $98 $1,297 $108
Civic SI 4-Dr Sedan $252 $576 $326 $20 $98 $1,297 $108
Civic EX 2-Dr Coupe $252 $576 $408 $24 $122 $1,407 $117
Civic GX 4-Dr Sedan $252 $576 $326 $20 $98 $1,297 $108
Civic EX-L 2-Dr Coupe $252 $576 $408 $24 $122 $1,407 $117
Civic Hybrid 4-Dr Sedan $284 $500 $326 $20 $98 $1,253 $104
Civic SI 2-Dr Coupe $284 $652 $408 $24 $122 $1,515 $126
Get Your Own Custom Quote Go
Honda Civic insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $178 $342 $326 $20 $98 $964 $80
Civic VP 4-Dr Sedan $178 $404 $326 $20 $98 $1,026 $86
Civic LX 4-Dr Sedan $178 $404 $326 $20 $98 $1,026 $86
Civic DX 2-Dr Coupe $178 $404 $408 $24 $122 $1,136 $95
Civic EX 4-Dr Sedan $178 $404 $326 $20 $98 $1,026 $86
Civic LX-S 4-Dr Sedan $178 $404 $326 $20 $98 $1,026 $86
Civic LX 2-Dr Coupe $178 $466 $408 $24 $122 $1,198 $100
Civic EX-L 4-Dr Sedan $206 $466 $326 $20 $98 $1,116 $93
Civic SI 4-Dr Sedan $206 $466 $326 $20 $98 $1,116 $93
Civic EX 2-Dr Coupe $206 $466 $408 $24 $122 $1,226 $102
Civic GX 4-Dr Sedan $206 $466 $326 $20 $98 $1,116 $93
Civic EX-L 2-Dr Coupe $206 $466 $408 $24 $122 $1,226 $102
Civic Hybrid 4-Dr Sedan $232 $404 $326 $20 $98 $1,080 $90
Civic SI 2-Dr Coupe $232 $526 $408 $24 $122 $1,312 $109
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Kentucky minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Information does not factor in garaging location in Louisville which can impact prices noticeably.

We can estimate from the data above that using a $250 deductible costs approximately $14 more each month or $168 for a full year averaged for all Civic models than buying the higher $500 deductible. Because you would be required to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you tend to have at least 18 months between claims, you would save money if you opt for a higher deductible.

The diagram below highlights how deductible choice and can impact Honda Civic insurance premiums for each different age group. The prices are based on a single female driver, full coverage, and no discounts are taken into consideration.

How violations and accidents impact rates

The information below highlights how traffic violations and at-fault claims influence Honda Civic car insurance costs for different age categories. The costs are based on a single male driver, comprehensive and collision coverage, $500 deductibles, and no policy discounts are applied.

Rate comparison of male drivers versus female drivers

The example below visualizes the comparison of Honda Civic auto insurance rates for male and female drivers. Data assumes no claims, a clean driving record, full physical damage coverage, $500 deductibles, single marital status, and no discounts are applied.

Three reasons auto insurance is important

Despite the high cost, auto insurance is required by state law in Kentucky and it also provides benefits you may not be aware of.

  • The majority of states have minimum liability requirements which means you are required to buy a specific minimum amount of liability insurance if you want to drive legally. In Kentucky these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
  • If you took out a loan on your Honda Civic, it's most likely the lender will require that you carry insurance to guarantee their interest in the vehicle. If you do not keep the policy in force, the bank may buy a policy for your Honda at an extremely high rate and force you to pay for the much more expensive policy.
  • Insurance protects not only your Honda but also your assets. It will also cover medical expenses that are the result of an accident. Liability insurance, one of your policy coverages, also pays expenses related to your legal defense if you cause an accident and are sued. If mother nature or an accident damages your car, comprehensive (other-than-collision) and collision coverage will pay all costs to repair after the deductible has been paid.

The benefits of having auto insurance more than offset the price you pay, especially if you ever need it. The average driver in America is overpaying over $820 a year so we recommend shopping around each time the policy renews to ensure rates are competitive.

Save a ton on Honda Civic insurance in Louisville with these discounts

Insurance can cost an arm and a leg, but there could be available discounts that many consumers don't even know exist. Most are applied at the time you complete a quote, but a few need to be asked about prior to getting the savings.Cheaper car insurance with discounts

  • E-sign Discounts - Some of the larger companies give back up to $50 for buying a policy and signing up on the internet.
  • Multiple Cars - Buying coverage for multiple vehicles on a single policy qualifies for this discount.
  • Passive Restraint Discount - Vehicles equipped with air bags or automatic seat belts can qualify for discounts of 25 to 30%.
  • Federal Employees - Having worked for a branch of the government could qualify for a slight premium decrease with certain companies.
  • Mature Driver Discount - If you qualify as a senior citizen, you could receive lower premium rates.

Discounts reduce rates, but you should keep in mind that some of the credits will not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as collision or personal injury protection. Despite the appearance that having all the discounts means you get insurance for free, companies wouldn't make money that way.

The information below illustrates the difference between Honda Civic annual premium costs with and without discounts applied to the policy premium. The prices are based on a male driver, no violations or accidents, Kentucky state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, multi-policy, safe-driver, multi-car, and marriage discounts applied.

A partial list of companies who may offer many of the previously listed discounts possibly include:

When getting a coverage quote, ask all the companies which discounts you may be entitled to. Some discounts may not apply to policyholders in Louisville.

Comparing prices from local Louisville car insurance agents

Many people would rather buy from a local agent and that can be a great decision Most agents can make sure you are properly covered and will help you if you have claims. The best thing about comparing insurance prices online is you may find cheap rate quotes and still have a local agent. Buying from and supporting local insurance agents is important especially in Louisville.

Louisville insurance agentsAfter completing this form (opens in new window), your insurance coverage information is emailed to participating agents in Louisville who will return price quotes and help you find cheaper coverage. It's much easier because you don't need to search for any insurance agencies because prices are sent directly to you. If you need to compare rates from one company in particular, you can always search and find their rate quote page and fill out the quote form the provide.

Listed below is a list of insurers in Louisville that may be able to provide comparison quotes for Honda Civic insurance in Louisville.

8145 New La Grange Rd - Louisville, KY 40222 - (502) 426-1511 - View Map

12200 Shelbyville Rd #112 - Louisville, KY 40243 - (502) 245-3625 - View Map

1802 Farnsley Rd - Louisville, KY 40216 - (502) 448-0202 - View Map

1547 Old Preston Hwy N b - Louisville, KY 40229 - (502) 955-9746 - View Map

View more agents

Picking the best provider needs to be determined by more than just a cheap price quote. Here are some questions you might want to ask.

  • How much experience to they have in personal lines coverages?
  • Do they get paid more for recommending certain coverages?
  • Does the agency have a current Errors and Omissions policy?
  • Which companies do they recommend if they are an independent agency?
  • Does the agency have a good rating with the Better Business Bureau?
  • When do they do a full risk review?

After you get reasonable responses and a low price estimate, most likely you have located an provider that is a good match to service your policy.

One last thing about your coverage

Affordable Honda Civic insurance in Louisville can be purchased both online as well as from independent agents in Louisville, so get free Louisville car insurance quotes from both of them in order to have the best chance of saving money. Some car insurance companies may not provide rates over the internet and many times these regional carriers work with independent insurance agents.

As you quote Louisville car insurance, never skimp on coverage in order to save money. In too many instances, consumers will sacrifice liability coverage limits and learned later that the few dollars in savings costed them thousands. Your strategy should be to get the best coverage possible at the best possible price while not skimping on critical coverages.

You just learned many ideas to lower your Honda Civic insurance rates in Louisville. It's most important to understand that the more rate comparisons you have, the higher the chance of saving money. You may even discover the biggest savings come from some of the lesser-known companies. Regional companies may often insure only within specific states and give better rates compared to the large companies like Allstate or State Farm.

How to find low-cost rates for Honda Civic insurance in Louisville

The best way to find discount Honda Civic insurance is to compare quotes once a year from companies that sell auto insurance in Louisville. Prices can be compared by following these guidelines.

Step 1: Gain an understanding of car insurance and the measures you can take to keep rates in check. Many things that result in higher rates like multiple speeding tickets and a low credit score can be remedied by making minor changes to your lifestyle.

Step 2: Request price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only quote rates from one company like Progressive or Farmers Insurance, while independent agents can quote prices for a wide range of companies.

Step 3: Compare the new rates to your existing rates to see if you can save by switching companies. If you can save some money and decide to switch, make sure there is no coverage gap between policies.

Step 4: Give notification to your current company to cancel your existing policy. Submit a completed policy application and payment for the new policy. As soon as you receive it, keep the new certificate verifying proof of insurance in a readily accessible location in your vehicle.

An important bit of advice to remember is to make sure you're comparing the same level of coverage on every quote request and and to look at every insurance company. Doing this provides a fair price comparison and the best price selection.

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