Finding the best cheap coverage for a Honda Civic in Georgia hinges on a lot of things such as whether you own a home, the likelihood of vehicle theft, and if you have tickets or violations. Georgia drivers pay around $1,239 a year for Civic insurance, but that figure is a valuation calculated using a 40-year-old married female driver with full comprehensive and collision coverage and $500 deductibles.
There’s a high likelihood you’re not a 40-year-old female, possibly single instead of married, or you just want cheap liability insurance instead of full coverage. Having what appears to be a very minor change in the rating criteria used to formulate rates could result in a significant change in how much coverage for a Honda Civic costs.
Every driver’s needs are different, and that is why the best method for finding the most affordable coverage for your Honda is to put in the effort to do a thorough rate comparison.
The trim level of your Civic will most likely have an effect on the insurance rate, so the cost to insure a Civic DX 4-Dr Sedan model will be $410 cheaper than the price to insure the more expensive Civic SI 2-Dr Coupe version, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Civic DX 4-Dr Sedan||$186||$404||$414||$24||$124||$1,152||$96|
|Civic VP 4-Dr Sedan||$186||$476||$414||$24||$124||$1,224||$102|
|Civic LX 4-Dr Sedan||$186||$476||$414||$24||$124||$1,224||$102|
|Civic DX 2-Dr Coupe||$186||$476||$516||$30||$154||$1,362||$114|
|Civic EX 4-Dr Sedan||$186||$476||$414||$24||$124||$1,224||$102|
|Civic LX-S 4-Dr Sedan||$186||$476||$414||$24||$124||$1,224||$102|
|Civic LX 2-Dr Coupe||$186||$550||$516||$30||$154||$1,436||$120|
|Civic EX-L 4-Dr Sedan||$212||$550||$414||$24||$124||$1,324||$110|
|Civic SI 4-Dr Sedan||$212||$550||$414||$24||$124||$1,324||$110|
|Civic EX 2-Dr Coupe||$212||$550||$516||$30||$154||$1,462||$122|
|Civic GX 4-Dr Sedan||$212||$550||$414||$24||$124||$1,324||$110|
|Civic EX-L 2-Dr Coupe||$212||$550||$516||$30||$154||$1,462||$122|
|Civic Hybrid 4-Dr Sedan||$240||$476||$414||$24||$124||$1,278||$107|
|Civic SI 2-Dr Coupe||$240||$622||$516||$30||$154||$1,562||$130|
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Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Rate information does not factor in specific zip code location which can alter insurance rates considerably.
Figuring out which company has the lowest-priced car insurance rates for a Honda Civic takes a tad more effort in order to find the best price. Each company uses different criteria for determining prices, so let’s rank the most competitive car insurance companies in Atlanta, GA.
It’s a good idea to be aware that Atlanta car insurance rates are impacted by many things that may substantially change the cost of a policy. Improving your credit score, becoming a homeowner, or getting a speeding ticket can trigger price changes that can make some companies cheaper than competitors.
Cheapest Insurance Rates for Your Honda
|Rank||Company||Cost Per Year|
|6||Georgia Farm Bureau||$1,312|
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Auto-Owners may offer some of the best car insurance rates in Atlanta at around $855 per year. This is $674 less than the average rate paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and MetLife are also some of the cheaper Atlanta, GA car insurance companies.
In the above rates, if you are currently insured with MetLife and switched to The Hartford, you may see an annual savings of roughly $363. Georgia drivers with Georgia Farm Bureau may save as much as $399 a year, and Travelers policyholders might lower prices by up to $418 a year.
These rates are averages across all drivers and vehicles in Georgia and do not factor in a specific vehicle garaging location for a Honda Civic. So the insurer that is best for you may not even be in the list above. That emphasizes why you need to compare as many prices as possible using your own personal information and vehicle type.
Get discount Atlanta car insurance rates
Auto insurance companies that offer cheap quotes for a Honda Civic may provide policy discounts that can lower rates by as much as 30% if you are eligible for them. Large car insurance companies and the discounts they provide are outlined below.
- State Farm may include discounts for multiple policy, anti-theft, Drive Safe & Save, good student, student away at school, and passive restraint.
- Nationwide offers premium reductions for multi-policy, accident-free, easy pay, good student, Farm Bureau membership, and business or organization.
- GEICO policyholders can earn discounts including good student, anti-lock brakes, federal employee, multi-policy, and military active duty.
- AAA may offer discounts for anti-theft, good driver, AAA membership discount, good student, and multi-policy.
- 21st Century may have discounts that include air bags, driver training, early bird, good student, and theft prevention.
- The Hartford offers discounts for defensive driver, good student, anti-theft, bundle, driver training, and vehicle fuel type.
The chart below illustrates the comparison of auto insurance costs with and without discounts applied to the premium. The costs are based on a female driver, no violations or claims, Georgia state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows the price with no discounts. The second shows the rates with safe-driver, vehicle safety, passive restraint, accident-free, defensive driving course, and multiple vehicle discounts applied. When drivers take advantage of discounts, the average savings per year on car insurance for a Honda Civic is 28% or $555.
Shop around and save
Atlanta, GA car insurance rates are impacted by many things that control the cost of having a policy. Simply improving your credit, becoming a homeowner, or getting a few speeding tickets can trigger changes in premium resulting in some companies being cheaper than others.
Not only may things change on your end, but companies modify rates every year to adjust for gains or losses. Larger than normal claims may cause increased policy costs, while a profitable period can cause cheaper Civic insurance rates.
The bar chart below compares the cheapest car insurance in Atlanta, GA for a 45-year-old male driver with no prior claims, no tickets, and solid credit. If we estimate prices based on his current situation, Auto-Owners offers the lowest car insurance rates in Atlanta at $1,081 annually. This is $448 less than the average rate paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and MetLife are also on the list of the most affordable Atlanta, GA auto insurance companies.
In the next rate comparison, we’ll give the driver in the first chart a claim surcharge, bad credit, and a speeding ticket. Because every insurance company uses their own calculation for setting prices, comparing rates will most likely result in a different list of companies as shown below.
The Hartford now has the best auto insurance rate in Atlanta with Travelers, Safeco, USAA, and Mercury now rounding out the top five. This illustrates why consumers need to take the time to shop around with many companies when trying to find cheap auto insurance rates for a Honda Civic. Auto insurance prices are calculated by many different factors and can change substantially, so the most affordable company when you last compared rates may now be priced much higher than other options.
The agencies below are willing to help you make a decision which car insurance company is the best fit, as lots of drivers aren’t clear which coverage they need and would like to have a professional recommendation when shopping for the best coverage for a Civic. It can be hard to find the cheapest auto insurance company, and a licensed agent can give satisfaction knowing you have suitable coverage if you ever need to use it. To find an agent nearest to you, click the link after the list.
Kerry Mitchell – State Farm Insurance Agent
2900 Chamblee-Tucker Rd, Bldg 15 – Atlanta, GA 30341 – (770) 455-0017
Cheryl S Parsel – State Farm Insurance Agent
3145 Peachtree Rd #197 – Atlanta, GA 30305 – (404) 814-0071
Nationwide Insurance: Tommy Jones Agency
3201 Atlanta Industrial Pkwy NW b220 – Atlanta, GA 30331 – (404) 660-3821
Kaitlin Ponce – State Farm Insurance Agent
2285 Peachtree Rd #204 – Atlanta, GA 30309 – (404) 390-1190
Farmers Insurance – Jannette Boykin
674 North Highland Avenue Northeast b – Atlanta, GA 30306 – (678) 904-6621