Save Money on Honda Civic Insurance in Lexington

  1. Home
  2. >
  3. Lexington Auto Insurance
  4. >
  5. Honda Civic

Insurance rates Honda Civic in LexingtonHow many times have you told yourself it's time to shop around for lower-priced Honda Civic insurance in Lexington? Trying to find cheaper insurance for a new or used Honda Civic in Kentucky can turn out to be a painful process, but you can follow a few tricks to save time.

There is a right way and a wrong way to find auto insurance online and you need to know the proper way to quote coverages for a new or used Honda and locate the lowest price.

It's a great practice to compare rates every six months because prices are variable and change quite frequently. If you had the best price on Honda Civic insurance in Lexington a year ago you will most likely find a better rate quote today. Forget anything you know (or think you know) about auto insurance because I'm going to let you in on the secrets to the right way to lower your rates without sacrificing coverage.

The majority of larger companies like State Farm and Allstate provide pricing direct online. The process is pretty easy as you just enter your coverage preferences on the page. After you submit the form the quote system automatically retrieves your credit score and driving record and generates a price based on the information you submitted.

The ability to get online quotes for Honda Civic insurance in Lexington makes it easy to compare insurance prices and it's necessary to compare as many rates as possible in order to find cheap prices.

If you want to find out how much you can save on car insurance, consider comparing rates from the companies shown below. If you have coverage now, it's recommended you duplicate your coverages exactly as shown on your declarations page. This way, you're receiving comparison quotes based on the exact same insurance coverage.

The companies shown below are ready to provide quotes in Kentucky. To find the best cheap car insurance in KY, we recommend you click on several of them to get a more complete price comparison.

Honda Civic insurance discounts in Lexington

Insurance can be prohibitively expensive, but there could be available discounts that you may not even know about. Many discounts should be triggered at the time of purchase, but a few must be asked for before they will apply.Discount car insurance

  • Save over 55 - Seniors may receive a small discount on rates.
  • ABS Braking Discount - Cars, trucks, and SUVs with anti-lock braking systems can avoid accidents and the ABS can save up to 10%.
  • Discount for Life Insurance - Companies who offer life insurance give a small discount if you purchase auto and life insurance together.
  • Student Discount for Driver Training - Cut your cost by having your teen driver take driver's ed class in school or through a local driver safety program.
  • Telematics Data Discounts - Drivers that enable data collection to study where and when they drive by using a telematic data system like In-Drive from State Farm and Progressive's Snapshot could possibly reduce rates as long as they are good drivers.
  • Active Service Discounts - Being on active duty in the military could qualify you for better rates.

As is typical with insurance, some credits don't apply to the whole policy. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. Despite the appearance that you can get free auto insurance, companies don't profit that way. But all discounts will reduce your premiums.

The illustration below shows the difference between Honda Civic insurance prices with and without discounts applied to the policy premium. The premium estimates are based on a male driver, no claims or violations, Kentucky state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, safe-driver, marriage, multi-policy, and claim-free discounts applied.

The best car insurance companies and their possible discounts are detailed below.

  • Farm Bureau has savings for safe driver, 55 and retired, renewal discount, good student, and youthful driver.
  • MetLife has discounts for multi-policy, accident-free, good student, defensive driver, and claim-free.
  • Progressive offers discounts including good student, continuous coverage, online quote discount, homeowner, online signing, and multi-vehicle.
  • AAA discounts include good driver, good student, multi-policy, education and occupation, anti-theft, and pay-in-full.
  • American Family policyholders can earn discounts including mySafetyValet, Steer into Savings, bundled insurance, accident-free, good student, and TimeAway discount.
  • GEICO offers discounts for multi-vehicle, anti-theft, military active duty, seat belt use, good student, anti-lock brakes, and federal employee.
  • State Farm may have discounts that include anti-theft, student away at school, passive restraint, multiple autos, defensive driving training, and driver's education.

Before purchasing a policy, check with all the companies how many discounts you can get. A few discounts might not be offered in Lexington.

Honda Civic detailed coverage information

The rate table displayed below showcases detailed analysis of insurance rates for Honda Civic models. Learning a little about how insurance quotes are determined can benefit drivers when making informed purchases.

Honda Civic Insurance Rates in Lexington, KY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $200 $392 $336 $20 $100 $1,048 $87
Civic VP 4-Dr Sedan $200 $460 $336 $20 $100 $1,116 $93
Civic LX 4-Dr Sedan $200 $460 $336 $20 $100 $1,116 $93
Civic DX 2-Dr Coupe $200 $460 $420 $24 $126 $1,230 $103
Civic EX 4-Dr Sedan $200 $460 $336 $20 $100 $1,116 $93
Civic LX-S 4-Dr Sedan $200 $460 $336 $20 $100 $1,116 $93
Civic LX 2-Dr Coupe $200 $530 $420 $24 $126 $1,300 $108
Civic EX-L 4-Dr Sedan $230 $530 $336 $20 $100 $1,216 $101
Civic SI 4-Dr Sedan $230 $530 $336 $20 $100 $1,216 $101
Civic EX 2-Dr Coupe $230 $530 $420 $24 $126 $1,330 $111
Civic GX 4-Dr Sedan $230 $530 $336 $20 $100 $1,216 $101
Civic EX-L 2-Dr Coupe $230 $530 $420 $24 $126 $1,330 $111
Civic Hybrid 4-Dr Sedan $260 $460 $336 $20 $100 $1,176 $98
Civic SI 2-Dr Coupe $260 $600 $420 $24 $126 $1,430 $119
Get Your Own Custom Quote Go

Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Kentucky minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Information does not factor in specific garaging location which can revise premiums noticeably.

Physical damage deductibles

One of the hardest decisions when shopping for auto insurance is which comprehensive and collision deductibles to buy. The following insurance rates may help to conceptualize the differences in price of buying low and high insurance deductibles. The first set of rates uses a $100 comprehensive and collision deductible and the second rate chart uses a $500 deductible.

Honda Civic insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $244 $508 $326 $20 $98 $1,221 $102
Civic VP 4-Dr Sedan $244 $598 $326 $20 $98 $1,311 $109
Civic LX 4-Dr Sedan $244 $598 $326 $20 $98 $1,311 $109
Civic DX 2-Dr Coupe $244 $598 $408 $24 $122 $1,421 $118
Civic EX 4-Dr Sedan $244 $598 $326 $20 $98 $1,311 $109
Civic LX-S 4-Dr Sedan $244 $598 $326 $20 $98 $1,311 $109
Civic LX 2-Dr Coupe $244 $688 $408 $24 $122 $1,511 $126
Civic EX-L 4-Dr Sedan $280 $688 $326 $20 $98 $1,437 $120
Civic SI 4-Dr Sedan $280 $688 $326 $20 $98 $1,437 $120
Civic EX 2-Dr Coupe $280 $688 $408 $24 $122 $1,547 $129
Civic GX 4-Dr Sedan $280 $688 $326 $20 $98 $1,437 $120
Civic EX-L 2-Dr Coupe $280 $688 $408 $24 $122 $1,547 $129
Civic Hybrid 4-Dr Sedan $318 $598 $326 $20 $98 $1,385 $115
Civic SI 2-Dr Coupe $318 $778 $408 $24 $122 $1,675 $140
Get Your Own Custom Quote Go
Honda Civic insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $178 $342 $326 $20 $98 $964 $80
Civic VP 4-Dr Sedan $178 $404 $326 $20 $98 $1,026 $86
Civic LX 4-Dr Sedan $178 $404 $326 $20 $98 $1,026 $86
Civic DX 2-Dr Coupe $178 $404 $408 $24 $122 $1,136 $95
Civic EX 4-Dr Sedan $178 $404 $326 $20 $98 $1,026 $86
Civic LX-S 4-Dr Sedan $178 $404 $326 $20 $98 $1,026 $86
Civic LX 2-Dr Coupe $178 $466 $408 $24 $122 $1,198 $100
Civic EX-L 4-Dr Sedan $206 $466 $326 $20 $98 $1,116 $93
Civic SI 4-Dr Sedan $206 $466 $326 $20 $98 $1,116 $93
Civic EX 2-Dr Coupe $206 $466 $408 $24 $122 $1,226 $102
Civic GX 4-Dr Sedan $206 $466 $326 $20 $98 $1,116 $93
Civic EX-L 2-Dr Coupe $206 $466 $408 $24 $122 $1,226 $102
Civic Hybrid 4-Dr Sedan $232 $404 $326 $20 $98 $1,080 $90
Civic SI 2-Dr Coupe $232 $526 $408 $24 $122 $1,312 $109
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Kentucky minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Rate quotes do not factor in vehicle garaging location which can raise or lower coverage prices significantly.

Based on these figures, using a $100 deductible costs an average of $25 more each month or $300 every year than requesting the higher $500 deductible. Because you would be required to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you have at a minimum 16 months between claims, you would most likely save money by going with a higher deductible.

The diagram below demonstrates how deductible levels and can raise or lower Honda Civic insurance costs for different categories of driver ages. The data assumes a single female driver, comprehensive and collision coverage, and no discounts are taken into consideration.

Irresponsible driving raises your rates

The diagram below demonstrates how citations and at-fault collisions can impact Honda Civic insurance costs for each age group. The price estimates are based on a married female driver, comp and collision included, $500 deductibles, and no discounts are factored in.

Difference between full coverage and liability only rates

The illustration below illustrates the comparison of Honda Civic insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data assumes no claims or driving citations, $250 deductibles, marital status is single, and no additional discounts are factored in.

Should you pay for full coverage or liability only?

There is no written rule to eliminate comprehensive and collision coverage on your policy, but there is a general school of thought. If the annual cost of having full coverage is more than 10% of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.

For example, let's assume your Honda Civic book value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $7,000 after paying your deductible. If premiums are more than $700 annually for your policy with full coverage, then it might be time to buy liability only.

There are a few situations where buying only liability insurance is not a good idea. If you still have a loan on your vehicle, you are required to maintain full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not eliminate full coverage.

Why Your Insurance Prices might be higher

Many factors are used in the calculation when quoting car insurance. Some factors are common sense such as your driving history, but some are less apparent like where you live or your financial responsibility.

Combine and save - The majority of companies will award a discount to clients who consolidate policies with them such as combining an auto and homeowners policy. Even with this discount applied, you may still want to shop around to confirm you are receiving the best rates possible.

Are women or men drivers cheaper? - Over the last 30 years, statistics show that men are more aggressive behind the wheel. This data doesn't prove that females are better at driving than males. Women and men are in accidents in similar percentages, but men get into accidents with more damage. Men also get more serious tickets such as DWI and reckless driving. Youthful male drivers are several times more likely to be in an accident so they pay the highest premiums.

The example below visualizes the comparison of Honda Civic car insurance rates for male and female drivers. The premium estimates are based on no claims or driving citations, full physical damage coverage, $250 deductibles, drivers are single, and no discounts are applied to the premium.

Policy claims cost money - Car insurance companies in Kentucky generally give lower rates to policyholders that do not abuse their auto insurance. If you tend to file frequent claims, you can expect either higher rates or even cancellation. Your car insurance is meant to be used in the event of major claims that would cause financial hardship.

Liability coverage limits should be high - Your policy's liability coverage will provide protection when you are found liable for personal injury or accident damage. This coverage provides legal defense to defend your case. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so drivers should make sure they buy enough to cover all assets.

Honda Civic statistical loss data - Companies analyze past claim statistics as a tool for profitable underwriting. Vehicles that the data shows to have higher loss trends will have higher premium rates. The next table illustrates the historical loss data for Honda Civic vehicles.

For each coverage category, the loss probability for all vehicles averaged together is represented as 100. Values below 100 are indicative of better than average losses, while percentage values above 100 point to more frequent losses or an increased likelihood of larger losses.

Honda Civic Insurance Loss Statistics
Specific Honda Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Honda Civic 92 105 68 127 135 121
Honda Civic Hybrid 90 85 106 105 78
Honda Civic Si 126 97 117 124 104
BETTER
AVERAGE
WORSE

Empty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years