Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 5, 2015

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Searching for the cheapest insurance rates for your Honda Civic? Are you drained from not being able to scrape enough together each month for insurance? You’re in the same situation as many other consumers. With so many companies and agents to choose from, it’s nearly impossible to locate the cheapest company.

It’s important to compare prices every six months because insurance rates fluctuate regularly. Even if you got the lowest premium rates for Civic coverage a couple years back there may be better deals available now. You can find a lot of misleading information regarding insurance online but in a few minutes you can learn a bunch of ideas how to lower your insurance rates.

Buying car insurance is quite easy. If you have a current car insurance policy or are looking for a new policy, you can use these techniques to shop for the lowest rates while maximizing coverage. Drivers just need to understand the most efficient way to buy car insurance on the web.

Which car insurance is cheapest?

Finding cheap car insurance rates is a fairly straight forward process. The only thing you need to do is invest a few minutes to get quotes from some recommended companies. It’s really simple and can be done by using one of the methods below.

  1. If you’re in a hurry, the quickest way to find low rates is a comparison rater form click here to open form in new window. This type of form saves time by eliminating boring form submissions for every prospective company. In just a few minutes this one form gets prices estimates from multiple low-cost companies.
  2. A more difficult way to analyze rates is to manually visit the website for each individual company and get a separate price quote. For example, let’s assume you want comparison quotes from Auto-Owners, Safeco and Liberty Mutual. In order to get each rate, you would have to navigate to each company’s site and type in your information over and over, which is why most consumers use the first method.

    For a list of links to companies insuring cars in your area, click here.

  3. The least efficient way to quote and compare insurance rates is to spend your day driving to each insurance agency near you. The internet makes this unnecessary unless you prefer the professional guidance that you can only get from talking to an agent. Although you can comparison shop your insurance online but have a local agent actually write the policy.

Whichever way you use, make absolute certain that you use identical coverage information for every company. If each company quotes higher or lower deductibles you will not be able to truly determine the lowest rate.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Don’t overlook these eight auto insurance discounts

Car insurance can cost a lot, but you might already qualify for some discounts that you may not even be aware of. Certain credits will be shown when you complete an application, but less common discounts must be specifically requested before you get the savings.

  • Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts could see savings of 20% or more.
  • Homeowners Discount – Owning a house may trigger a policy discount on auto insurance since owning and maintaining a home requires personal responsibility.
  • Paperless Signup – A few larger online companies will discount your bill up to fifty bucks for buying your policy over the internet.
  • No Accidents – Insureds with no claims or accidents can save substantially in comparison to frequent claim filers.
  • Anti-theft Discount – Cars, trucks, and SUVs that have factory anti-theft systems are stolen with less frequency so companies will give you a small discount.
  • Buy New and Save – Buying a new car instead of a used car can be considerably cheaper because newer vehicles are generally safer.
  • Discount for Low Mileage – Low mileage vehicles could qualify for lower auto insurancerates on the low mileage vehicles.
  • Accident Waiver – This isn’t a discount exactly, but a handful of insurance companies permit an accident before they charge you more for coverage if you are claim-free prior to the accident.

As a disclaimer on discounts, some credits don’t apply to all coverage premiums. Most cut the price of certain insurance coverages like liability and collision coverage. Just because it seems like all the discounts add up to a free policy, companies wouldn’t make money that way.

Car insurance companies who might offer these money-saving discounts may include but are not limited to:

If you need cheap insurance coverage quotes, ask every insurance company which discounts you may be entitled to. A few discounts might not be available to policyholders in your area. To see a list of companies who offer online auto insurance quotes, click this link.

When to get professional advice

When buying the right insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different and your policy should reflect that. For instance, these questions can help discover whether your personal situation may require specific advice.

  • I have a DUI can I still get coverage?
  • Am I getting all the discounts available?
  • Is other people’s property covered if stolen from my vehicle?
  • How much liability do I need to cover my assets?
  • Can I rent a car in Mexico?
  • Is a fancy paint job covered?
  • Can I afford low physical damage deductibles?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of car insurance companies in your area. It only takes a few minutes and can provide invaluable advice.

Car insurance coverages 101

Knowing the specifics of car insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and coverage can change by endorsement. Below you’ll find the normal coverages available from car insurance companies.

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like hitting a deer, fire damage, damage from a tornado or hurricane and a tree branch falling on your vehicle. The highest amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.


This provides protection from injuries or damage you cause to other’s property or people in an accident. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability can pay for claims such as legal defense fees, structural damage, emergency aid and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford.

Collision insurance

This covers damage to your Civic resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things like sustaining damage from a pot hole, colliding with another moving vehicle, hitting a mailbox and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible to get cheaper collision coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for immediate expenses such as pain medications, X-ray expenses, EMT expenses and funeral costs. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as damage to your 2010 Honda Civic.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.