Honda Civic insurance cost image courtesy of QuoteInspector.com
Finding the cheapest insurance for a Honda Civic in Maryland can be pretty simple, but it hinges on a complicated formula that considers factors such as annual vehicle mileage, your address, and if you have a history of accidents. Drivers will pay around $1,467 each year to insure their Civic, but that amount is an approximation based on a 30-year-old married male driver with full coverage and $250 deductibles.
It's more than likely you aren't exactly 30 years old or even a male, single instead of married, or maybe you have a teenager that needs to be on your policy. Different coverage needs are the reason why the only way to find cheap auto insurance rates for your Honda is to do your own rate comparisons. Quotes are always free and you will receive prices from some of the most affordable companies around.
View Honda Civic Insurance Rates
The trim level of your vehicle will be a contributing factor to the coverage cost, so the price you pay to insure a Civic DX 4-Dr Sedan trim level will be $502 cheaper than the cost to insure the fancier Civic SI 2-Dr Coupe version, as shown below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $274 | $528 | $406 | $24 | $122 | $1,354 | $113 |
| Civic VP 4-Dr Sedan | $274 | $624 | $406 | $24 | $122 | $1,450 | $121 |
| Civic LX 4-Dr Sedan | $274 | $624 | $406 | $24 | $122 | $1,450 | $121 |
| Civic DX 2-Dr Coupe | $274 | $624 | $508 | $30 | $152 | $1,588 | $132 |
| Civic EX 4-Dr Sedan | $274 | $624 | $406 | $24 | $122 | $1,450 | $121 |
| Civic LX-S 4-Dr Sedan | $274 | $624 | $406 | $24 | $122 | $1,450 | $121 |
| Civic LX 2-Dr Coupe | $274 | $718 | $508 | $30 | $152 | $1,682 | $140 |
| Civic EX-L 4-Dr Sedan | $314 | $718 | $406 | $24 | $122 | $1,584 | $132 |
| Civic SI 4-Dr Sedan | $314 | $718 | $406 | $24 | $122 | $1,584 | $132 |
| Civic EX 2-Dr Coupe | $314 | $718 | $508 | $30 | $152 | $1,722 | $144 |
| Civic GX 4-Dr Sedan | $314 | $718 | $406 | $24 | $122 | $1,584 | $132 |
| Civic EX-L 2-Dr Coupe | $314 | $718 | $508 | $30 | $152 | $1,722 | $144 |
| Civic Hybrid 4-Dr Sedan | $354 | $624 | $406 | $24 | $122 | $1,530 | $128 |
| Civic SI 2-Dr Coupe | $354 | $812 | $508 | $30 | $152 | $1,856 | $155 |
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Maryland minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Premium amounts do not factor in specific location information which can alter premiums noticeably.
Finding a high-quality auto insurance company is difficult considering how many companies there are in Baltimore. The ranking data below could help you pick which coverage providers to look at when shopping around.
The rankings below include companies with a national presence, so companies that only write business in Maryland or surrounding areas are not factored into the list. To view rates from the insurers below and more, simply click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
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Data Source: Insure.com Best Car Insurance Companies
The example below illustrates how your choice of deductibles can impact yearly insurance costs when quoting cheap insurance for a Honda Civic. The rate quotes are based on a married male driver, full physical damage coverage, and no discounts are factored in.
A 30-year-old driver could lower their policy premium by $468 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $704 by changing to a $1,000 deductible. Younger drivers, like the age 20 example, could save $1,438 annually by using a higher deductible. When choosing a higher deductible, it is essential to have enough funds in savings to be able to cover the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.
Why you should be shopping around
Baltimore, MD car insurance rates are calculated based on many things that control the cost of coverage. Simply having another birthday, adding a teenager to your policy, or getting a speeding ticket can trigger price changes that can make some companies more affordable than competitors.
Not only may your risk profile change, but insurance companies file new Maryland auto insurance rates as often as every quarter in order to be able to pay unexpected claims. Significantly higher losses can result in additional premium costs, while lower claim expenses can result in lower-cost Civic insurance rates.
As an example, the bar chart below demonstrates which company has the cheapest car insurance in Baltimore, MD for a 40-year-old female driver with no prior accidents, a clean driving record, and excellent credit. If we compare prices based on her personal risk profile, USAA offers the lowest car insurance rates in Baltimore at $1,686 each year. This is $127 more than the average policy premium paid by Maryland drivers of $1,559. Liberty Mutual, Penn National, Erie, and State Auto also make the list of the most affordable Baltimore, MD auto insurance companies.
Now we will pretend the driver in the first example a chargeable accident, a little lower credit rating, and a speeding ticket. Since each insurance company uses a different method for determining rates, comparing rates may now present a different set of the cheapest Baltimore car insurance companies as shown below.
Travelers now has the best insurance rate in Baltimore with Nationwide, MetLife, GEICO, and California Casualty also being competitive. This example illustrates why drivers need to perform an extensive rate comparison to get the most economical insurance quotes for a Honda Civic. Insurance rates are determined by many things and change dramatically, so the most affordable company the last time you compared rates may now be priced much higher than other options.
The agencies below are a good start to help you decide which coverage fits your budget, since lots of drivers aren't clear which coverage they need and would like to get some professional advice when trying to find the best insurance rates for a Civic. It can be hard to find the cheapest auto insurance company, and agents can give you peace of mind knowing your coverage gives you suitable coverage if you ever need to use it. To find a Baltimore insurance agency nearest to you, click the link at the bottom.
Senate Select Insurance
5417 Reisterstown Rd - Baltimore, MD 21215 - (410) 358-0411
Austen's Insurance Inc
3407 Eastern Blvd - Baltimore, MD 21220 - (410) 686-4700
Mason and Carter Inc
23 South St - Baltimore, MD 21202 - (410) 539-6767
More insurance agents in Baltimore, MD
How to find cheaper auto insurance for a Honda Civic
The list below details many penny-pinching solutions that can help Baltimore drivers buy more affordable coverage.
- Insure your home and auto with the same company
- Speeding tickets and other violations increase rates
- Try to not file small claims
- Prevent price hikes by avoiding at-fault accidents
- Increase your deductibles
- Increase your credit rating
- Compare rates regularly to ensure the best deal
That final tip is notably significant, as was pointed out in the prior information. Coverage prices vary greatly, so don't be afraid to buy from a different company if a more affordable rate is found. Many consumers stick with the same company and that's fine, but it's not recommended if that loyalty results in overpaying major coinage every year. Take a couple minutes and shop around to find cheaper auto insurance for a Honda Civic in Baltimore.