Find Cheaper Honda Civic Insurance Rates in Minnesota
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UPDATED: Mar 27, 2024
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Whether or not you can find cheap insurance for a Honda Civic in Minnesota is dependent upon an enormous amount of rating factors such as your marital status, if you have a tendency to file claims, and citations or violations on your driving record. Minnesota drivers pay an average of $1,170 each year to insure their Civic, but that price is an estimation based on cost data for a 30-year-old single male who purchased full coverage including both comprehensive and collision and $500 deductibles.
But there is a high likelihood that you are not 30 and possibly not even male, maybe you are married instead of single, and there is a good chance that there are other drivers on your policy. Even a slight difference in quote information can cause significant differences in the policy cost.
Each driver’s needs are different, and that demonstrates why your best shot at finding the most affordable coverage for your Honda is to compare as many rates as possible.
The specific model of Civic has an effect on the coverage cost, so the price to insure a Civic DX 4-Dr Sedan model will be $378 less than the price to insure the high end Civic SI 2-Dr Coupe trim level, as shown below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $198 | $334 | $416 | $24 | $124 | $1,096 | $91 |
| Civic VP 4-Dr Sedan | $198 | $392 | $416 | $24 | $124 | $1,154 | $96 |
| Civic LX 4-Dr Sedan | $198 | $392 | $416 | $24 | $124 | $1,154 | $96 |
| Civic DX 2-Dr Coupe | $198 | $392 | $520 | $30 | $156 | $1,296 | $108 |
| Civic EX 4-Dr Sedan | $198 | $392 | $416 | $24 | $124 | $1,154 | $96 |
| Civic LX-S 4-Dr Sedan | $198 | $392 | $416 | $24 | $124 | $1,154 | $96 |
| Civic LX 2-Dr Coupe | $198 | $452 | $520 | $30 | $156 | $1,356 | $113 |
| Civic EX-L 4-Dr Sedan | $228 | $452 | $416 | $24 | $124 | $1,244 | $104 |
| Civic SI 4-Dr Sedan | $228 | $452 | $416 | $24 | $124 | $1,244 | $104 |
| Civic EX 2-Dr Coupe | $228 | $452 | $520 | $30 | $156 | $1,386 | $116 |
| Civic GX 4-Dr Sedan | $228 | $452 | $416 | $24 | $124 | $1,244 | $104 |
| Civic EX-L 2-Dr Coupe | $228 | $452 | $520 | $30 | $156 | $1,386 | $116 |
| Civic Hybrid 4-Dr Sedan | $256 | $392 | $416 | $24 | $124 | $1,212 | $101 |
| Civic SI 2-Dr Coupe | $256 | $512 | $520 | $30 | $156 | $1,474 | $123 |
| Get Your Own Custom Quote Go | |||||||
Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Minnesota minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Rate quotes do not factor in your specific Minnesota location which can modify prices considerably.
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Best car insurance company in Minnesota
Picking the right auto insurance company is hard considering how many companies sell coverage in Minnesota. The company information shown next can help you pick which providers you want to consider when comparing rate quotes. The ratings below only include insurance companies that insure vehicles in the majority of U.S. states, so companies without a large exposure are not taken into consideration for these rankings.
Top 10 Large Car Insurance Companies in Minnesota Ranked by A.M. Best Rating
- USAA – A++
- GEICO – A++
- Travelers – A++
- State Farm – A++
- Esurance – A+
- Allstate – A+
- The Hartford – A+
- Nationwide – A+
- Progressive – A+
- The General – A-
Top 10 Large Car Insurance Companies in Minnesota Ranked by Customer Service
- Nationwide
- State Farm
- Safeco Insurance
- American Family
- Liberty Mutual
- GEICO
- Travelers
- Allstate
- The Hartford
- Esurance
Top Companies for Honda Civic Insurance in Minnesota
Enter your zip code below to view companies that have cheap auto insurance rates.
Full coverage rates compared to liability only
Finding cheap insurance for a Honda Civic in Minnesota is important to the majority of drivers, and one of the quickest ways to buy cheap insurance is to not buy full coverage. The illustration below illustrates the comparison of insurance prices when comparing full coverage to liability only. The price estimates are based on a clean driving record, no at-fault accidents, $100 deductibles, drivers are single, and no policy discounts are applied.
Averaged for all ages 20 through 70, physical damage insurance costs an extra $2,279 per year more than just buying liability only. At some point, about every driver wonders if you should buy full coverage. There is no set rule to exclude full coverage on your policy, but there is a general school of thought. If the yearly cost of full coverage is about 10% or more of the replacement cost minus the deductible, then you may need to consider dropping full coverage.
Illustration showing the impact of accidents and violations
A great way to earn cheap insurance for a Honda Civic in Minnesota is to be a safe driver and avoid accidents and keep your driving record clean. The example below shows how speeding tickets and accident claims drive up car insurance costs for each different age category. The premiums are based on a single female driver, comp and collision included, $100 deductibles, and no discounts are applied to the premium.
The chart shows that the average cost of an auto insurance policy in Minnesota per year with no violations or accidents is $2,155. Get written up for one speeding ticket and the average cost hikes up to $2,441, an increase of $286 each year. Then include two accidents along with the one speeding ticket and the 12-month cost of car insurance for a Honda Civic jumps again to an average of $4,845. That’s an increase of $2,690, or $224 per month, just for not being a responsible driver!
Discounts on cheap insurance for a Honda Civic in Minnesota
Insurance companies that offer quotes for a Honda Civic may have special discounts that can lower rates by 25% or more if you meet specific criteria. Companies and a selection of discounts are detailed below.
- Farmers Insurance has savings for business and professional, teen driver, youthful driver, distant student, electronic funds transfer, and alternative fuel.
- Esurance may offer discounts for emergency road assistance, paid-in-full, claim free, online quote, Switch & Save, Pac-12 alumni, and anti-lock brakes.
- State Farm offers discounts including safe vehicle, driver’s education, accident-free, multiple policy, good driver, student away at school, and Drive Safe & Save.
- GEICO discounts include membership and employees, emergency military deployment, federal employee, air bags, and multi-vehicle.
- Allstate has discounts for good payer, utility vehicle, FullPay discount, senior citizen, multi-policy, 55 and retired, and eSmart discount.
The illustration below visualizes the comparison of yearly insurance costs with and without discounts applied to the policy premium. The information is based on a male driver, no driving violations, no at-fault accidents, Minnesota state minimum liability limits, full coverage, and $500 deductibles.
The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with accident-free, anti-theft, multiple vehicle, vehicle safety, multiple policy, and claim-free discounts applied. When discounts are factored in, the average amount saved on car insurance for a Honda Civic is 28% or $580.
Use our FREE quote tool to compare insurance rates now!
Frequently Asked Questions
How can I find cheaper insurance for my Honda Civic?
Finding cheaper insurance for your Honda Civic involves several steps. Here are some tips to help you in your search:
- Compare quotes: Obtain quotes from multiple insurance providers to compare their rates. Online comparison tools and websites can assist you in this process.
- Increase deductibles: Opting for a higher deductible can lower your insurance premium. Just ensure that you can afford to pay the deductible if you need to file a claim.
- Maintain a good driving record: Safe driving habits can help you qualify for lower insurance rates. Avoid traffic violations and accidents to keep your record clean.
- Consider your coverage options: Evaluate the coverage options you require carefully. If your car is older or has a lower value, you may want to consider dropping certain types of coverage, such as collision or comprehensive.
- Look for discounts: Inquire about any available discounts, such as multi-policy discounts, safe driver discounts, or discounts for safety features on your Honda Civic, like anti-lock brakes or airbags.
- Bundle your policies: If you have multiple insurance needs, consider bundling them with the same provider. Many insurance companies offer discounts for bundling auto, home, or renter’s insurance.
- Improve your credit score: Maintaining a good credit score can positively impact your insurance rates. Pay your bills on time and reduce your debt to improve your creditworthiness.
- Drive less: Some insurance companies offer discounts for drivers who don’t use their vehicles frequently. If you drive fewer miles, inquire about potential low-mileage discounts.
Are there any specific factors that affect Honda Civic insurance rates?
Yes, several factors can influence the insurance rates for a Honda Civic. These factors include:
- Vehicle model and year: The specific model and year of your Honda Civic can impact insurance rates. Newer or more expensive models tend to have higher rates due to increased repair costs.
- Safety features: Honda Civics equipped with advanced safety features like anti-lock brakes, airbags, collision warning systems, and backup cameras can qualify for lower insurance rates.
- Location: Insurance rates can vary based on where you live. If you reside in an area with a high rate of accidents, theft, or vandalism, your insurance premiums may be higher.
- Driving record: Your driving history plays a significant role in determining insurance rates. A clean driving record with no accidents or traffic violations can lead to lower premiums.
- Age and gender: Younger drivers, especially teenagers, usually face higher insurance rates. Additionally, statistics show that young male drivers tend to have higher accident rates, resulting in higher premiums.
- Annual mileage: The more you drive your Honda Civic, the higher the risk of accidents. Insurance companies may charge higher rates for vehicles that accumulate more mileage.
- Credit score: In some states, your credit score can affect your insurance rates. A higher credit score indicates financial responsibility and can result in lower premiums.
Can I get discounts specifically for insuring a Honda Civic?
Yes, some insurance companies offer discounts specifically for insuring a Honda Civic. While the availability of these discounts may vary depending on the insurer, here are a few common discounts you can inquire about:
- Safety feature discounts: If your Honda Civic is equipped with safety features like anti-lock brakes, airbags, automatic emergency braking, or adaptive cruise control, you may be eligible for discounts.
- Anti-theft device discounts: Installing anti-theft devices, such as alarms or tracking systems, can reduce the risk of theft and qualify you for lower insurance rates.
- Good student discounts: If you or someone covered under your policy is a full-time student with good grades, you may be eligible for a discount. This discount is commonly available to students under a certain age, such as 25.
- Affiliation discounts: Some insurance companies offer discounts for members of specific organizations or affiliations, such as alumni associations, professional groups, or credit unions.
- Loyalty discounts: If you’ve been with the same insurance company for an extended period, you may qualify for loyalty discounts when insuring your Honda Civic with them.
Should I only focus on finding the cheapest insurance for my Honda Civic?
While affordability is important, it’s equally crucial to consider the overall coverage and quality of service when selecting insurance for your Honda Civic. Here’s why:
- Coverage adequacy: Cheaper insurance may come with limited coverage options or higher deductibles. Make sure the policy provides adequate coverage for your needs and that you understand the terms and conditions.
- Financial stability: Consider the financial stability and reputation of the insurance company. A low-cost policy from an unstable or unreliable insurer may not be worth the risk if they struggle to pay claims when needed.
- Customer service: Research the customer service reputation of the insurance company. Read reviews, check their responsiveness, and assess their claims process. A company with excellent customer service can make a significant difference during a claim.
- Policy benefits: Compare the benefits offered by different insurance policies. Look for additional features like roadside assistance, rental car coverage, or accident forgiveness that may be valuable to you.
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