Buying cheaper coverage for a Honda Civic in Arizona depends on a very complex rating algorithm that uses multiple factors such as how long your commute is, your credit score, and if you have a history of accidents. Drivers pay around $989 each year for Civic insurance, but that price is an estimate using a 40-year-old single female driver with full physical damage coverage and $1,000 deductibles.
There’s a high likelihood you are not 40 years old and maybe not even female, possibly married instead of single, and you may just want the cheapest liability coverage you can find. Not everyone needs the same coverages, so the best method for finding the cheapest rates for your Honda is to just take the time to compare rates yourself. Compare rate quotes now and you will receive rate quotes from the best companies that sell coverage in Arizona.
The specific model of Civic tends to have a direct effect on the cost of insurance, so the price to insure a Civic DX 4-Dr Sedan will cost $316 less than the insurance cost for the higher-end Civic SI 2-Dr Coupe version, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Civic DX 4-Dr Sedan||$120||$278||$390||$24||$116||$928||$77|
|Civic VP 4-Dr Sedan||$120||$326||$390||$24||$116||$976||$81|
|Civic LX 4-Dr Sedan||$120||$326||$390||$24||$116||$976||$81|
|Civic DX 2-Dr Coupe||$120||$326||$488||$28||$146||$1,108||$92|
|Civic EX 4-Dr Sedan||$120||$326||$390||$24||$116||$976||$81|
|Civic LX-S 4-Dr Sedan||$120||$326||$390||$24||$116||$976||$81|
|Civic LX 2-Dr Coupe||$120||$376||$488||$28||$146||$1,158||$97|
|Civic EX-L 4-Dr Sedan||$138||$376||$390||$24||$116||$1,044||$87|
|Civic SI 4-Dr Sedan||$138||$376||$390||$24||$116||$1,044||$87|
|Civic EX 2-Dr Coupe||$138||$376||$488||$28||$146||$1,176||$98|
|Civic GX 4-Dr Sedan||$138||$376||$390||$24||$116||$1,044||$87|
|Civic EX-L 2-Dr Coupe||$138||$376||$488||$28||$146||$1,176||$98|
|Civic Hybrid 4-Dr Sedan||$156||$326||$390||$24||$116||$1,012||$84|
|Civic SI 2-Dr Coupe||$156||$426||$488||$28||$146||$1,244||$104|
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Price information does not factor in zip code location which can decrease or increase price quotes considerably.
Choosing a high-quality car insurance company can be rather challenging considering how many different companies insure vehicles in Tucson. The ranking data listed below can help you analyze which providers you want to consider putting your business with.
These rankings are only made up of large, nationwide insurance companies, so companies without a large exposure are not taken into consideration for this list. To compare prices and find the cheapest rates for a Honda Civic, follow this link.
Top 10 Major Auto Insurers in Tucson Ranked by Value
- American Family
- The Hartford
- Titan Insurance
- The General
- Mercury Insurance
- AAA Insurance
- State Farm
The information below demonstrates how choosing different deductibles can impact insurance costs when searching for cheap insurance for a Honda Civic. The price estimates are based on a married female driver, comprehensive and collision coverage, and no policy discounts are applied.
In the chart above, a 30-year-old driver could pocket $360 a year by switching from a $100 deductible up to a $500 deductible, or save $538 by selecting a $1,000 deductible. Even younger drivers, such as the Age 20 example, could reduce their rates as much as $760 or even more just by using higher deductibles. When raising deductibles, it will be necessary to have plenty of discretionary funds to satisfy the extra out-of-pocket expense, which is the main drawback of higher deductibles.
Don’t stick with an overpriced policy
Tucson insurance rates are based on many factors that can increase the price you pay. Improving your credit score, moving across town, or getting a few speeding tickets can trigger price changes that can now make some companies more affordable than others.
And not only may your rating factors change, but auto insurance companies change their prices without warning in order to be able to pay unexpected claims. A period of higher than normal claims may result in a rate increase, while lower claim expenses may produce cheaper Civic insurance rates.
The bar chart below shows which companies have the cheapest car insurance in Tucson, AZ for a 35-year-old male driver with a clean driving record, no accidents, and a good credit history. If we look at prices based on his current risk factors, The Hartford offers the most affordable car insurance rates in Tucson at $1,062 annually. This is $366 less than the average rate paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers are also included in the best Tucson, AZ auto insurance companies.
The next chart shows rates after we give the driver from the first set of rates an accident claim, a lower credit score, and a blemish on his driving record. Since every car insurance company has their own formula for setting rates, comparing rates may now show a new list of affordable companies as shown below.
Progressive now has the lowest car insurance rate in Tucson with Ameriprise Group, CSAA, Allied, and Farm Bureau Mutual now rounding out the top five. This illustrates why it is critical to do a thorough rate comparison when trying to get the most budget-friendly car insurance quotes for a Honda Civic. Rates can be determined by many factors and change dramatically, so the most economical company six months ago may now be priced much higher than other options.
How to find the cheapest auto insurance for a Honda Civic
The list below summarizes some of the better money-saving ideas that can help Tucson drivers locate more affordable coverage.
- Get cheaper liability coverage by choosing a safer vehicle
- You will pay more if you get tickets or have at-fault accidents
- Being accident-free can lower rates significantly
- Avoid filing excessive claims
- Buy your homeowners policy from the same company as your auto insurance
- Compare rates often to find the best deal
The last tip is highly important, as was noted in the prior information. Car insurance prices fluctuate constantly, so drivers shouldn’t be resistant to buy from a different company if a lower price can be found. Staying with the same car insurance company is fine, but is isn’t recommended if that dedication is costing hundreds every year. In less than five minutes you could shop around and find cheaper auto insurance for a Honda Civic in Tucson.
The Tucson, AZ, insurance agents below are a good start to help you determine which policy fits your needs best, as lots of drivers aren’t clear which coverage they need and would like to have a little guidance when trying to find the best insurance rates for a Civic. It can be challenging to find the best policy on your own, so insurance agents licensed in the state of Arizona can provide you satisfaction knowing you have decent coverage if you have a claim.
To find a Tucson insurance agency nearest to you, click the button at the bottom of the list.
American Family Insurance – Thom Wadlund
4500 E Grant Rd Ste A – Tucson, AZ 85712 – (520) 318-0734
Rebecca Sanford – State Farm Insurance Agent
5605 E River Rd #211 – Tucson, AZ 85750 – (520) 615-0800
Al Vasey – State Farm Insurance Agent
7401 E 22nd St – Tucson, AZ 85710 – (520) 514-0222
Tucson Insurance Associates
51 W Wetmore Rd #101 – Tucson, AZ 85705 – (520) 396-4727
Merrie Connon – State Farm Insurance Agent
10222 E Rita Rd #110 – Tucson, AZ 85747 – (520) 574-3223