Really, the only way to find low-cost Honda Civic insurance is to compare quotes annually from providers that sell auto insurance in Nashville. Rates can be compared by completing these steps.
- Take a few minutes and learn about how companies set rates and the measures you can take to drop your rates. Many risk factors that increase rates such as traffic citations, accidents, and a not-so-good credit rating can be eliminated by paying attention to minor details.
- Compare prices from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give rate quotes from one company like Progressive or Allstate, while independent agents can provide rate quotes for a wide range of companies.
- Compare the new rates to your existing coverage to see if you can save by switching companies. If you find better rates and change companies, make sure coverage is continuous and does not lapse.
- Give notification to your agent or company to cancel the current policy and submit a down payment along with a completed application to your new insurance company. Once the application is submitted, store the certificate verifying coverage with the vehicle registration.
A tip to remember is to compare identical coverage information on each price quote and and to get prices from as many carriers as you can. This ensures an accurate price comparison and a better comparison of the market.
It’s hard to fathom, but a large majority of auto insurance policyholders in Tennessee have remained with the same auto insurance company for a minimum of four years, and just under half have never even shopped around for cheap coverage. The average driver in the U.S. can save roughly $860 each year by just comparing rate quotes, but they just assume it takes a lot of time to go online and compare rates.
Getting low cost Honda Civic car insurance pricing is pretty simple and can save money. Consumers just need to spend a few minutes comparing rate quotes from different insurance companies.
The car insurance companies shown below offer free rate quotes in Tennessee. If you wish to find the cheapest car insurance in Tennessee, it’s a good idea that you visit two to three different companies in order to get a fair rate comparison.
Verify you’re receiving every discount
The cost of insuring your cars can be expensive, but you can get discounts that you may not know about. Most are applied when you complete an application, but a few must be specifically requested before you will receive the discount.
- Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle up before driving could cut 10% or more on the premium charged for medical payments and/or PIP.
- Paper-free Discount – Certain companies will discount your bill up to fifty bucks shop Nashville auto insurance digitally online.
- Smart Student Discounts – Maintaining excellent grades can get you a discount of up to 25%. Most companies allow this discount up until you turn 25.
- Include Life Insurance and Save – Select insurance companies reward you with a discounted price on car insurance if you buy auto and life insurance together.
- Switch and Save Discount – Some companies provide a discount for buying a new policy prior to the expiration date on your current Civic insurance policy. You may see this discount when you get Nashville auto insurance quotes online.
- Professional Memberships – Joining qualifying employment or professional organizations can get you a small discount on insurance.
- Military Rewards – Being on active duty in the military may lower your prices slightly.
- Safe Driver Discount – Insureds without accidents could pay up to 40% less compared to accident prone drivers.
- Policy Bundle Discount – If you can bundle your homeowners and auto insurance with one insurance company you may save up to 20% off your total Civic insurance premium.
- Government Employee Discount – Having worked for a branch of the government may qualify for a discount when you quote Nashville auto insurance with some insurance companies.
A little disclaimer on discounts, most discounts do not apply to the entire cost. Some only apply to the cost of specific coverages such as medical payments or collision. So even though you would think you would end up receiving a 100% discount, you’re out of luck.
The illustration below shows the difference between Honda Civic car insurance costs with and without discounts applied to the rates. The rates are based on a female driver, a clean driving record, no claims, Tennessee 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 claim-free, multi-policy, homeowner, marriage, safe-driver, and multi-car discounts applied.
A few companies that may include these benefits possibly include:
When comparing rates, check with every company the best way to save money. Depending on the company, some discounts may not be offered in Nashville. To view insurance companies who offer free Honda Civic insurance quotes in Tennessee, click this link.
Insurance rate breakdown
The rate table displayed next covers detailed analysis of insurance coverage prices for Honda Civic models. Having knowledge of how rates are calculated is important to be able to make informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $124 | $258 | $278 | $16 | $82 | $758 | $63 |
| Civic VP 4-Dr Sedan | $124 | $304 | $278 | $16 | $82 | $804 | $67 |
| Civic LX 4-Dr Sedan | $124 | $304 | $278 | $16 | $82 | $804 | $67 |
| Civic DX 2-Dr Coupe | $124 | $304 | $346 | $20 | $104 | $898 | $75 |
| Civic EX 4-Dr Sedan | $124 | $304 | $278 | $16 | $82 | $804 | $67 |
| Civic LX-S 4-Dr Sedan | $124 | $304 | $278 | $16 | $82 | $804 | $67 |
| Civic LX 2-Dr Coupe | $124 | $350 | $346 | $20 | $104 | $944 | $79 |
| Civic EX-L 4-Dr Sedan | $142 | $350 | $278 | $16 | $82 | $868 | $72 |
| Civic SI 4-Dr Sedan | $142 | $350 | $278 | $16 | $82 | $868 | $72 |
| Civic EX 2-Dr Coupe | $142 | $350 | $346 | $20 | $104 | $962 | $80 |
| Civic GX 4-Dr Sedan | $142 | $350 | $278 | $16 | $82 | $868 | $72 |
| Civic EX-L 2-Dr Coupe | $142 | $350 | $346 | $20 | $104 | $962 | $80 |
| Civic Hybrid 4-Dr Sedan | $160 | $304 | $278 | $16 | $82 | $840 | $70 |
| Civic SI 2-Dr Coupe | $160 | $396 | $346 | $20 | $104 | $1,026 | $86 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Tennessee minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Price estimates do not factor in specific location information which can influence insurance rates considerably.
Policy deductibles
When buying insurance, a common question is which comprehensive and collision deductibles to buy. The figures shown below can help you understand the premium difference of buying low and high policy deductibles. The first rate comparisons uses a $250 deductible for comp and collision and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $194 | $376 | $288 | $18 | $86 | $987 | $82 |
| Civic VP 4-Dr Sedan | $194 | $444 | $288 | $18 | $86 | $1,055 | $88 |
| Civic LX 4-Dr Sedan | $194 | $444 | $288 | $18 | $86 | $1,055 | $88 |
| Civic DX 2-Dr Coupe | $194 | $444 | $360 | $22 | $108 | $1,153 | $96 |
| Civic EX 4-Dr Sedan | $194 | $444 | $288 | $18 | $86 | $1,055 | $88 |
| Civic LX-S 4-Dr Sedan | $194 | $444 | $288 | $18 | $86 | $1,055 | $88 |
| Civic LX 2-Dr Coupe | $194 | $510 | $360 | $22 | $108 | $1,219 | $102 |
| Civic EX-L 4-Dr Sedan | $224 | $510 | $288 | $18 | $86 | $1,151 | $96 |
| Civic SI 4-Dr Sedan | $224 | $510 | $288 | $18 | $86 | $1,151 | $96 |
| Civic EX 2-Dr Coupe | $224 | $510 | $360 | $22 | $108 | $1,249 | $104 |
| Civic GX 4-Dr Sedan | $224 | $510 | $288 | $18 | $86 | $1,151 | $96 |
| Civic EX-L 2-Dr Coupe | $224 | $510 | $360 | $22 | $108 | $1,249 | $104 |
| Civic Hybrid 4-Dr Sedan | $252 | $444 | $288 | $18 | $86 | $1,113 | $93 |
| Civic SI 2-Dr Coupe | $252 | $578 | $360 | $22 | $108 | $1,345 | $112 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $158 | $304 | $288 | $18 | $86 | $854 | $71 |
| Civic VP 4-Dr Sedan | $158 | $358 | $288 | $18 | $86 | $908 | $76 |
| Civic LX 4-Dr Sedan | $158 | $358 | $288 | $18 | $86 | $908 | $76 |
| Civic DX 2-Dr Coupe | $158 | $358 | $360 | $22 | $108 | $1,006 | $84 |
| Civic EX 4-Dr Sedan | $158 | $358 | $288 | $18 | $86 | $908 | $76 |
| Civic LX-S 4-Dr Sedan | $158 | $358 | $288 | $18 | $86 | $908 | $76 |
| Civic LX 2-Dr Coupe | $158 | $412 | $360 | $22 | $108 | $1,060 | $88 |
| Civic EX-L 4-Dr Sedan | $182 | $412 | $288 | $18 | $86 | $986 | $82 |
| Civic SI 4-Dr Sedan | $182 | $412 | $288 | $18 | $86 | $986 | $82 |
| Civic EX 2-Dr Coupe | $182 | $412 | $360 | $22 | $108 | $1,084 | $90 |
| Civic GX 4-Dr Sedan | $182 | $412 | $288 | $18 | $86 | $986 | $82 |
| Civic EX-L 2-Dr Coupe | $182 | $412 | $360 | $22 | $108 | $1,084 | $90 |
| Civic Hybrid 4-Dr Sedan | $204 | $358 | $288 | $18 | $86 | $954 | $80 |
| Civic SI 2-Dr Coupe | $204 | $466 | $360 | $22 | $108 | $1,160 | $97 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Tennessee minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Rate quotes do not factor in vehicle garaging location which can revise price quotes noticeably.
Using the premium rates above, we can conclude that using a $250 deductible would cost the average driver about $13 more each month or $156 for a full year than opting for the higher $500 deductible. Since you would pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you tend to go more than 19 months between claims, you would probably come out ahead if you choose the higher deductible.
How to calculate if a higher deductible is a good decision
| Average monthly premium for $250 deductibles: | $95 |
| Average monthly premium for $500 deductibles (subtract): | – $82 |
| Monthly savings from raising deductible: | $13 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $13 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 19 months |
One thing to be aware of is that a higher deductible means you pay more out-of-pocket when you have a claim. That will necessitate some non-essential savings in the event you have to pay the deductible.
Drive responsibly or pay higher rates
The chart below illustrates how speeding tickets and accident claims can raise Honda Civic car insurance costs for each different age category. The rate quotes are based on a married male driver, comp and collision included, $250 deductibles, and no discounts are factored in.
Insurance prices based on gender
The illustration below illustrates the comparison of Honda Civic insurance premiums for male and female drivers. The premium estimates are based on no tickets, no at-fault accidents, comprehensive and collision coverage, $100 deductibles, marital status is single, and no discounts are taken into consideration.
Cost of full coverage in Nashville
The illustration below illustrates the comparison of Honda Civic car insurance rates with full coverage and liability only. Data assumes no claims or driving citations, $1,000 deductibles, single marital status, and no additional discounts are factored in.
When to stop buying physical damage coverage
There isn’t a steadfast formula to exclude comprehensive and collision coverage on your policy, but there is a guideline you can use. If the annual cost of having full coverage is more than 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.
For example, let’s say your Honda Civic replacement value is $7,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company will settle for is $6,000 after you pay the deductible. If you are paying over $600 annually for full coverage, then it could be time to drop full coverage.
There are some cases where only buying liability is not a good idea. If you still owe a portion of the original loan, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.
What is the best car insurance company in Nashville?
Picking the top insurance company can be a challenge considering how many different companies there are to choose from in Nashville. The ranking data below may help you choose which insurers you want to consider comparing rate quotes with.
Top 10 Nashville Car Insurance Companies Ranked by Claims Service
- Travelers
- Allstate
- Nationwide
- State Farm
- GEICO
- Liberty Mutual
- American Family
- Esurance
- AAA Insurance
- Titan Insurance
Top 10 Nashville Car Insurance Companies Ranked by Customer Service
- USAA
- Travelers
- Mercury Insurance
- AAA Insurance
- Nationwide
- Safeco Insurance
- Progressive
- State Farm
- The Hartford
- The General
Reduce Insurance Rates with These Tips
Smart consumers have a good feel for some of the factors that are used to determine insurance rates. If you have a feel for what influences your rates, this enables informed choices that will entitle you to better insurance rates.
- Cars with good safety ratings lower prices – Safe vehicles get lower rates. Vehicles built for safety reduce occupant injuries and fewer serious injuries means lower claim amounts and cheaper rates on your policy.
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Insurance prices are higher for high performance vehicles – The performance level of the vehicle you are insuring makes a significant difference in your rates. The most favorable rates are for lower performance four cylinder passenger cars, but that’s not the only thing that factors into the final price.
The following data is based on a single male driver age 30, full coverage with $500 deductibles, and no discounts or violations. The chart compares Honda Civic rates compared to other models of vehicles that have different risk factors.
- Keep the miles off and save – The more you drive your Honda each year the higher the price you pay to insure it. Most companies rate vehicles based upon how the vehicle is primarily used. Cars and trucks that have low annual miles get more affordable rates than vehicles that are driven to work every day. It’s always a good idea to double check that your vehicle rating is rated on the right rating data. An incorrectly rated Civic is throwing money out the window.
- Liability coverage – Your insurance policy’s liability coverage will afford coverage if ever you are ruled to be at fault for personal injury or accident damage. It will provide for a legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to comp and collision, so insureds should have plenty of protection for their assets.
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Honda Civic insurance loss data – Auto insurance companies take into consideration insurance loss statistics for every vehicle as a way to help calculate a profitable premium rate. Vehicles that are shown to have high amounts or severity of claims will have a higher premium rate.
The next table illustrates the actual insurance loss data for Honda Civic vehicles. For each policy coverage type, the claim probability for all vehicles averaged together is equal to 100. Values that are below 100 suggest a positive loss record, while percentage values above 100 indicate a higher chance of having a claim or tendency to have higher losses.
Insurance Loss Ratings for Honda Civic Vehicles Vehicle 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 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years