Buying affordable car insurance for a Honda Civic in Tennessee hinges on lots of different rating factors such as driver age, your occupation, and the deductible amount you use. Drivers in Tennessee pay approximately $1,187 per year to insure their Civic, but that is a projection calculated based on a 40-year-old single male driver with both comprehensive and collision coverage and $250 deductibles.
There is a good probability you’re not a 40-year-old male, maybe you are married instead of single, or maybe you just want different deductibles. Having what appears to be a very minor change in the factors used in pricing a policy can make a large difference in policy price.
Different coverage needs are the reason why the only way to find the most affordable coverage for your Honda is to do a thorough rate comparison. Rate quotes are easy and you will be able to see rates from top-rated companies that insure vehicles in Tennessee.
Your vehicle’s trim level tends to have a direct impact on the cost of coverage, so the rate you pay to insure a Civic DX 4-Dr Sedan will be $406 cheaper than the price to insure the more well-appointed Civic SI 2-Dr Coupe trim level, as shown in the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $190 | $432 | $350 | $20 | $104 | $1,096 | $91 |
| Civic VP 4-Dr Sedan | $190 | $510 | $350 | $20 | $104 | $1,174 | $98 |
| Civic LX 4-Dr Sedan | $190 | $510 | $350 | $20 | $104 | $1,174 | $98 |
| Civic DX 2-Dr Coupe | $190 | $510 | $436 | $26 | $130 | $1,292 | $108 |
| Civic EX 4-Dr Sedan | $190 | $510 | $350 | $20 | $104 | $1,174 | $98 |
| Civic LX-S 4-Dr Sedan | $190 | $510 | $350 | $20 | $104 | $1,174 | $98 |
| Civic LX 2-Dr Coupe | $190 | $586 | $436 | $26 | $130 | $1,368 | $114 |
| Civic EX-L 4-Dr Sedan | $218 | $586 | $350 | $20 | $104 | $1,278 | $107 |
| Civic SI 4-Dr Sedan | $218 | $586 | $350 | $20 | $104 | $1,278 | $107 |
| Civic EX 2-Dr Coupe | $218 | $586 | $436 | $26 | $130 | $1,396 | $116 |
| Civic GX 4-Dr Sedan | $218 | $586 | $350 | $20 | $104 | $1,278 | $107 |
| Civic EX-L 2-Dr Coupe | $218 | $586 | $436 | $26 | $130 | $1,396 | $116 |
| Civic Hybrid 4-Dr Sedan | $246 | $510 | $350 | $20 | $104 | $1,230 | $103 |
| Civic SI 2-Dr Coupe | $246 | $664 | $436 | $26 | $130 | $1,502 | $125 |
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Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Tennessee minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Premium amounts do not factor in the specific area where the vehicle is garaged which can lower or raise price quotes considerably.
Insuring your vehicle with the highest-rated car insurance provider is hard considering how many choices you have in Nashville. The company information shown next can help you choose which auto insurers to look at when comparing rates.
The ratings below are only made up of the largest auto insurers in America, so companies that only write business in Tennessee or surrounding areas are not included in the list. If you wish to compare rates from the insurers below and more, just click here.
Top 10 Major Auto Insurers in Nashville Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
- The Hartford – 87%
Top 10 Major Auto Insurers in Nashville Ranked by A.M. Best Rating
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Esurance – A+
- Progressive – A+
- Titan Insurance – A+
- The Hartford – A+
- Allstate – A+
- Nationwide – A+
Full coverage versus liability-only in Nashville
Saving money when shopping for insurance should be important to most people, and one of the easiest ways to pay less for insurance for a Honda Civic is to not insure for full coverage. The diagram below compares insurance costs with full physical damage coverage and with liability coverage only. The data assumes no accidents, no driving violations, $500 deductibles, drivers are not married, and no discounts are applied to the premium.
Averaged for all age groups, physical damage coverage on your policy costs $1,586 per year more than just insuring for liability. That brings up the question if full coverage is worth the money. There is no clear-cut formula of when to exclude full coverage on your policy, but there is a guideline you can consider. If the annual cost of having full coverage is more than around 10% of any settlement you would receive from your insurance company, then it might be time to buy liability only.
There are some conditions where eliminating full coverage is not a good plan. If you haven’t paid off your loan, you have to keep full coverage in order to keep the loan. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should not eliminate full coverage.
Impact of careless driving on insurance rates
The ideal way to earn the cheapest insurance prices in Tennessee for a Civic is to drive safely and maintain a clean driving record. The illustration below shows how traffic citations and accidents can drive up insurance costs for different categories of driver ages. The prices are based on a married female driver, comp and collision included, $1,000 deductibles, and no discounts are taken into consideration.
In the previous example, the average cost of an auto insurance policy per year with a clean driving record and no accidents is $1,291. Receive two speeding tickets and the average cost surges to $1,824, an increase of $533 each year. Now add two accidents along with the two speeding tickets and the yearly cost of insurance for a Honda Civic increases to an average of $4,152. That’s an increase of $2,862, or $238 per month, just for not being more responsible behind the wheel!
If you would rather have professional advice when shopping for cheaper insurance for a Honda Civic, the agencies below can most likely provide answers to your questions and help you determine which insurance coverage will be best for you. To find a Nashville insurance agency close to you, click the button following the list or click here to compare prices now.
- Mike Maclean – State Farm Insurance Agent
3922 Gallatin Pike – Nashville, TN 37216 – (615) 891-1241 - Affordable Assurance Agency Inc
6202 Charlotte Pike # 1 – Nashville, TN 37209 – (615) 356-6700 - Eby Insurance
65 Parris Ave – Nashville, TN 37210 – (615) 254-8343
View more Nashville, TN insurance agencies
How to find low-cost auto insurance for a Honda Civic
The list below shows a few penny-pinching solutions that can help Tennessee drivers get more affordable coverage.
- At-fault accidents will increase rates
- If possible, pay for small claims out-of-pocket
- Increase your comprehensive and collision deductibles
- Drop full coverage on older vehicles
- Avoid getting citations and tickets
- Compare rate quotes frequently
That last tip is remarkably vital, as we emphasized in the prior information. Car insurance prices go up and down frequently, so drivers shouldn’t hesitate to change to a new company if you can find a cheaper rate.
Being loyal to a particular company is commendable, but it’s not recommended if your bullheadedness ends up costing you hundreds of dollars year after year. Spend a few minutes and compare rates to find cheaper auto insurance for a Honda Civic in Nashville.