Best Honda Civic Insurance in Henderson

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No one in their right mind anticipates paying for insurance, especially when the cost is too high.

Insurance for Honda CivicA recent survey discovered that nearly 70% of consumers have bought insurance from the same company for at least four years, and 38% of customers have never even compared rates from other companies. Drivers in Nevada can save nearly 35% each year, but they assume it's a waste of time to find lower-cost rates by getting comparison quotes. Many insurance companies compete for your insurance dollar, and it can be difficult to compare rates to discover the definitive best price available on Honda Civic insurance in Henderson.

You should make it a habit to check insurance prices before your policy renews since prices are rarely the same from one policy term to another. Despite the fact that you may have had the best deal on Honda Civic insurance in Henderson a couple years back you may be paying too much now. Block out anything you think you know about insurance because you're about to find out the quickest way to buy cheaper Honda Civic insurance in Henderson.

Finding cheap Henderson auto insurance rates is not rocket science. The only requirement is to invest a little time to compare rates provided by online insurance companies.

Comparing free quotes online is easy and it, replaces the need to go to insurance agents' offices. Shopping for auto insurance online eliminates the middleman unless you want the personal advice that only a licensed agent can provide. Although, it is possible price shop your coverage online and have a local agent actually service the policy.

The providers in the list below are our best choices to provide price quotes in Nevada. If multiple companies are listed, we suggest you visit as many as you can to get the lowest price.

Statistics and details

The rate information displayed below showcases estimates of policy rates for Honda Civic models. Understanding how prices are calculated is important for you to make smart choices when choosing a car insurance company.

Honda Civic Insurance Rates in Henderson, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $110 $248 $348 $20 $104 $830 $69
Civic VP 4-Dr Sedan $110 $292 $348 $20 $104 $874 $73
Civic LX 4-Dr Sedan $110 $292 $348 $20 $104 $874 $73
Civic DX 2-Dr Coupe $110 $292 $436 $26 $130 $994 $83
Civic EX 4-Dr Sedan $110 $292 $348 $20 $104 $874 $73
Civic LX-S 4-Dr Sedan $110 $292 $348 $20 $104 $874 $73
Civic LX 2-Dr Coupe $110 $336 $436 $26 $130 $1,038 $87
Civic EX-L 4-Dr Sedan $126 $336 $348 $20 $104 $934 $78
Civic SI 4-Dr Sedan $126 $336 $348 $20 $104 $934 $78
Civic EX 2-Dr Coupe $126 $336 $436 $26 $130 $1,054 $88
Civic GX 4-Dr Sedan $126 $336 $348 $20 $104 $934 $78
Civic EX-L 2-Dr Coupe $126 $336 $436 $26 $130 $1,054 $88
Civic Hybrid 4-Dr Sedan $142 $292 $348 $20 $104 $906 $76
Civic SI 2-Dr Coupe $142 $380 $436 $26 $130 $1,114 $93
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Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nevada minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Price estimates do not factor in specific location which can raise or lower coverage prices noticeably.

Analysis of deductible levels

One of the more difficult decisions when buying car insurance is how high should the physical damage coverage deductibles be. The following insurance rates may help to conceptualize the differences in premium rates between low and high deductibles. The first price estimate table uses a $250 deductible for comp and collision and the second price grid uses a $500 deductible.

Honda Civic insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $208 $402 $308 $18 $92 $1,053 $88
Civic VP 4-Dr Sedan $208 $472 $308 $18 $92 $1,123 $94
Civic LX 4-Dr Sedan $208 $472 $308 $18 $92 $1,123 $94
Civic DX 2-Dr Coupe $208 $472 $386 $22 $116 $1,229 $102
Civic EX 4-Dr Sedan $208 $472 $308 $18 $92 $1,123 $94
Civic LX-S 4-Dr Sedan $208 $472 $308 $18 $92 $1,123 $94
Civic LX 2-Dr Coupe $208 $544 $386 $22 $116 $1,301 $108
Civic EX-L 4-Dr Sedan $238 $544 $308 $18 $92 $1,225 $102
Civic SI 4-Dr Sedan $238 $544 $308 $18 $92 $1,225 $102
Civic EX 2-Dr Coupe $238 $544 $386 $22 $116 $1,331 $111
Civic GX 4-Dr Sedan $238 $544 $308 $18 $92 $1,225 $102
Civic EX-L 2-Dr Coupe $238 $544 $386 $22 $116 $1,331 $111
Civic Hybrid 4-Dr Sedan $268 $472 $308 $18 $92 $1,183 $99
Civic SI 2-Dr Coupe $268 $616 $386 $22 $116 $1,433 $119
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Honda Civic insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $168 $324 $308 $18 $92 $910 $76
Civic VP 4-Dr Sedan $168 $382 $308 $18 $92 $968 $81
Civic LX 4-Dr Sedan $168 $382 $308 $18 $92 $968 $81
Civic DX 2-Dr Coupe $168 $382 $386 $22 $116 $1,074 $90
Civic EX 4-Dr Sedan $168 $382 $308 $18 $92 $968 $81
Civic LX-S 4-Dr Sedan $168 $382 $308 $18 $92 $968 $81
Civic LX 2-Dr Coupe $168 $438 $386 $22 $116 $1,130 $94
Civic EX-L 4-Dr Sedan $194 $438 $308 $18 $92 $1,050 $88
Civic SI 4-Dr Sedan $194 $438 $308 $18 $92 $1,050 $88
Civic EX 2-Dr Coupe $194 $438 $386 $22 $116 $1,156 $96
Civic GX 4-Dr Sedan $194 $438 $308 $18 $92 $1,050 $88
Civic EX-L 2-Dr Coupe $194 $438 $386 $22 $116 $1,156 $96
Civic Hybrid 4-Dr Sedan $218 $382 $308 $18 $92 $1,018 $85
Civic SI 2-Dr Coupe $218 $496 $386 $22 $116 $1,238 $103
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Rates do not factor in your specific Henderson location which can impact insurance rates substantially.

Based on the above data, using a $250 deductible costs roughly $13 more each month or $156 for a full year than selecting the higher $500 deductible. Since the policyholder would be required to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you usually have at a minimum 19 months between claims, you would most likely save money if you decide on a higher deductible.

How to calculate if a higher deductible is a good decision

Average monthly premium for $250 deductibles: $101
Average monthly premium for $500 deductibles (subtract): - $88
Monthly savings from raising deductible: $13
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $13
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

One thing to note is that raising deductibles to get cheaper rates results in having to pay to pay more out-of-pocket when you file a claim. You need to make sure you have some savings in the event you have to pay the deductible for vehicle repair.

The information below highlights how deductible selection and can raise or lower Honda Civic insurance costs for each different age category. The rates are based on a single female driver, comp and collision included, and no discounts are applied.

Do you qualify for discounts?

Some companies don't always publicize all discounts in a way that's easy to find, so we researched both the well known and the harder-to-find discounts you could be receiving when you buy Henderson car insurance online.Save money with discounts

  • Payment Discounts - If paying your policy premium upfront rather than spreading payments over time you could save 5% or more.
  • Telematics Devices - Drivers that enable their company to track when and where they use their vehicle by using a telematics device such as Progressive's Snapshot and State Farm's In-Drive could save a few bucks if they show good driving skills.
  • Anti-theft Discount - Anti-theft and alarm system equipped vehicles are stolen less frequently and will qualify for a discount on a Henderson car insurance quote.
  • Smart Student Discounts - Excelling in school can earn a discount of 20% or more. The good student discount can last well after school through age 25.
  • Paperwork-free - Some larger companies will give a small break shop Henderson car insurance on your computer.
  • Savings for New Vehicles - Buying coverage on a new vehicle can cost up to 25% less because newer models keep occupants safer.
  • Accident-Free Discounts - Henderson drivers who stay claim-free can save substantially in comparison to drivers who are more careless.
  • Multi-car Discount - Buying insurance for several vehicles on one policy qualifies for this discount.
  • Seat Belt Discounts - Drivers who require all vehicle occupants to wear their seat belts could cut 10% or more on medical payment and PIP coverage.
  • Bundle and Save - When you combine your home and auto insurance with one company you may save up to 20% and get you the cheapest Honda Civic insurance in Henderson.

One last thing about discounts, most credits do not apply to the entire cost. Most cut individual premiums such as physical damage coverage or medical payments. So when it seems like you would end up receiving a 100% discount, you won't be that lucky.

The illustration below illustrates the difference between Honda Civic insurance premiums with and without discounts. Data assumes a male driver, no violations or accidents, Nevada 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 shows the rates with multi-policy, claim-free, multi-car, safe-driver, homeowner, and marriage discounts applied.

Some of the insurance companies that may have these discounts include:

If you want cheaper Henderson car insurance quotes, ask every insurance company the best way to save money. All car insurance discounts might not be available to policyholders in Henderson. If you would like to see a list of companies that offer discounts in Henderson, click here to view.

Why you need to buy insurance

Even though Henderson Civic insurance rates can get expensive, buying insurance may be required for several reasons.

First, just about all states have minimum mandated liability insurance limits which means state laws require specific minimum amounts of liability insurance coverage in order to be legal. In Nevada these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if your car has a loan, almost all lenders will stipulate that you have insurance to ensure they get paid if you total the vehicle. If you default on your policy, the bank will be required to insure your Honda at a much higher premium rate and force you to pay for the expensive policy.

Third, insurance safeguards your car and your assets. It will also provide coverage for medical transport and hospital expenses for you, any passengers, and anyone injured in an accident. Liability coverage also covers legal expenses if you are sued as the result of an accident. If your Honda gets damaged, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage minus the deductible amount.

The benefits of having insurance greatly outweigh the cost, particularly if you ever have a claim. In a recent study of 1,000 drivers, the average customer is overpaying over $825 a year so it's important to compare rates once a year at a minimum to ensure rates are competitive.

Car insurance company ratings

Selecting a highly-rated auto insurance provider is difficult considering how many companies sell insurance in Henderson. The company information in the lists below may help you decide which car insurance companies to look at when looking for cheaper rates.

Top 10 Henderson Car Insurance Companies Overall

  1. USAA
  2. American Family
  3. State Farm
  4. The Hartford
  5. AAA Insurance
  6. GEICO
  7. The General
  8. Titan Insurance
  9. Progressive
  10. Mercury Insurance

When to have guidance from an insurance agency

Many people would prefer to get professional advice from a licensed agent and that is OK! Professional insurance agents are trained to spot inefficiencies and help submit paperwork. One of the benefits of comparing insurance online is that you can find lower rates and still buy from a local agent. Buying from local insurance agencies is definitely important in Henderson.

Find insurance agent in HendersonTo help locate an agent, after submitting this form (opens in new window), your information gets sent to companies in Henderson who will gladly provide quotes for your insurance coverage. It makes it easy because there is no need to search for an agent since price quotes are sent instantly to you. If for some reason you want to quote rates from a particular provider, feel free to navigate to their website and give them your coverage information.

Picking an company shouldn't rely on just the premium amount. These questions are important to ask:

  • How long have they worked with personal auto insurance coverage?
  • Are aftermarket or OEM parts used to repair vehicles?
  • Are they in the agency full-time?
  • Do they write coverage based solely on cost?
  • Can they give you a list of client referrals?
  • Do they review policy coverages at every renewal?

Once you have received good feedback to all your questions and an affordable coverage quote, you have narrowed it down to a company that meets the criteria to provide insurance coverage. But remember, it's your policy and you can cancel coverage at any point so never feel that you're stuck with any specific company for the full term.