Who Has Affordable Car Insurance Rates for a Honda Civic in Henderson?

Finding affordable coverage for a Honda Civic hinges on many rating criteria such as how many miles you drive each year, your credit history, and blemishes on your driving record. Drivers pay around $1,112 annually to insure their Civic, but that cost is an approximation calculated based on a 30-year-old married male driver with full comprehensive and collision coverage and $250 deductibles.

More likely than not, you may not be 30 years old (or even male), maybe you are single instead of married, and you might want liability-only or different deductibles. Auto insurance is unique to each driver, so the best method for finding affordable rates for your Honda is to just compare rates yourself.

Cheapest Honda Civic Insurance Rates

The specific trim level tends to have a direct impact on the cost of insurance, so the price you will pay to insure a Civic DX 4-Dr Sedan trim level will be $380 less than the price to insure the higher-priced Civic SI 2-Dr Coupe version, as shown in the table below.

Honda Civic Insurance Rates in Henderson, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $208 $402 $308 $18 $92 $1,028 $86
Civic VP 4-Dr Sedan $208 $472 $308 $18 $92 $1,098 $92
Civic LX 4-Dr Sedan $208 $472 $308 $18 $92 $1,098 $92
Civic DX 2-Dr Coupe $208 $472 $386 $22 $116 $1,204 $100
Civic EX 4-Dr Sedan $208 $472 $308 $18 $92 $1,098 $92
Civic LX-S 4-Dr Sedan $208 $472 $308 $18 $92 $1,098 $92
Civic LX 2-Dr Coupe $208 $544 $386 $22 $116 $1,276 $106
Civic EX-L 4-Dr Sedan $238 $544 $308 $18 $92 $1,200 $100
Civic SI 4-Dr Sedan $238 $544 $308 $18 $92 $1,200 $100
Civic EX 2-Dr Coupe $238 $544 $386 $22 $116 $1,306 $109
Civic GX 4-Dr Sedan $238 $544 $308 $18 $92 $1,200 $100
Civic EX-L 2-Dr Coupe $238 $544 $386 $22 $116 $1,306 $109
Civic Hybrid 4-Dr Sedan $268 $472 $308 $18 $92 $1,158 $97
Civic SI 2-Dr Coupe $268 $616 $386 $22 $116 $1,408 $117
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Nevada minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Price information does not factor in specific location which can raise or lower premiums greatly.

Finding out which company quotes the best insurance rates for a Honda Civic requires a bit more effort than just getting one or two price quotes. Each auto insurance company has their own guidelines to set their prices, so let’s examine the insurance companies that tend to have lower prices in Henderson, NV.

It’s important to know that Nevada insurance rates are impacted by many factors that will increase or decrease the price you pay for coverage. Simply having a birthday, buying higher coverage limits, or getting a few speeding tickets may prompt premium changes that can make some companies cheaper than competitors.

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Nevada auto insurance company rankings
Rank Company Cost Per Year
1 Allied $911
2 Travelers $912
3 Capital $988
4 American Family $1,182
5 Oregon Mutual $1,182
6 Progressive $1,226
7 GEICO $1,232
8 Safeco $1,306
9 Nationwide $1,321
10 USAA $1,336
11 Farmers $1,496
12 MetLife $1,615
13 Country $1,651
14 State Farm $1,749
15 Mercury $1,753
16 Victoria $2,093
17 Liberty Mutual $2,227
18 Bristol West $2,384
19 Allstate $2,385
20 Encompass $2,710
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Allied may offer some of the cheapest car insurance rates in Henderson at around $911 per year. This is $663 less than the average price paid by Nevada drivers of $1,574. Travelers, Capital, American Family, and Oregon Mutual also rank well as some of the cheaper Henderson, NV insurance companies.

As shown above, if you are a policyholder with American Family and switched to Travelers, you might realize yearly savings of in the neighborhood of $270. Nevada drivers with Oregon Mutual may save as much as $270 a year, and Progressive policyholders might reduce rates by $314 a year.

To see how much you can save, click here to begin a quote or click several companies below for low rates.

It’s important to note that these rates are averaged across all insureds and vehicles and do not take into consideration a specific vehicle garaging location for a Honda Civic. So the insurer that fits your needs best may not even be in the list above. That underscores the importance of why you need to quote rates from many companies using your own specific driver and vehicle information.

Does it make sense to buy full coverage?

Saving on insurance is important to most vehicle owners, and one of the best ways to buy cheaper insurance for a Honda Civic is to only buy liability coverage. The information below illustrates the comparison of auto insurance rates with and without physical damage coverage. The prices are based on no claims or driving citations, $500 deductibles, drivers are not married, and no other discounts are factored in.

If averaged out across all ages, physical damage coverage costs $1,936 per year more than buying just liability insurance. That amount may make you wonder if it’s worth it to buy full coverage. There isn’t a steadfast formula for excluding physical damage coverage on your policy, but there is a general convention. If the annual cost of coverage is about 10% or more of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.

There are some circumstances where dropping physical damage coverage is not in your best interest. If you haven’t paid off your loan, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should not buy liability only.

Chances are good that you’re overpaying for Civic insurance

Henderson, NV insurance rates are impacted by many factors which can significantly increase or decrease the price you have to pay for coverage. Simply having another birthday, buying a different home, or getting a DUI can produce rate changes resulting in some rates now being cheaper in comparison to the competition.

Not only that, but car insurance companies amend premium rates at least once a year to reflect underwriting profits or losses. Unexpectedly high claims can cause higher priced premiums, while lower claim levels can cause lower-priced Civic insurance rates.

As an example, the chart below shows a variety of companies that have the cheapest car insurance in Henderson, NV for a 35-year-old female driver with no prior claims, no tickets, and a high credit rating. If we estimate prices based on her current risk profile, Travelers may offer the cheapest car insurance rates in Henderson at $1,476 per year. This is $98 less than the average rate paid by Nevada drivers of $1,574. Allied, Capital, Oregon Mutual, and American Family are the rest of the cheapest Henderson, NV auto insurance companies.

In the next rate comparison, we’ll give the driver from the first example some claims, a lower credit rating, and an imperfect driving record. Because each company has their own unique process for setting prices, comparing insurance quotes most likely will result in a slightly different list of the cheapest companies as shown below.

GEICO now has the best auto insurance rate in Henderson with Allied, USAA, Nationwide, and Safeco now rounding out the top five. This shows why it is crucial to compare many different companies to find the most economical insurance rates for a Honda Civic. Rates are made up of many factors and can decrease or increase without notice, so the most economical company the last time you checked may now be an over-priced policy.

The agents listed below can help you determine which policy fits your needs best, since some drivers aren’t sure which coverage they need and prefer to get help from a professional when shopping around for cheaper insurance for a Honda Civic. It can be hard to find the best rates on your own, so getting advice from a licensed Nevada insurance agent can give you comfort knowing you have enough coverage if you have a claim.

To find a Henderson insurance agent near you, click the link at the bottom.

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