How long has it been since you shopped around for more affordable Honda Civic insurance in Denver? Finding cheaper insurance for a new or used Honda Civic in Colorado can be a painful process, but you can learn a few tricks and make it easy.
There are more efficient ways to buy car insurance and we’ll show you the best way to quote coverages for a new or used Honda and locate the best price possible from both online companies and Denver agents.
You should make it a habit to price shop coverage periodically since rates change frequently. Despite the fact that you may have had the best rate on Honda Civic insurance in Denver a couple years back you may be paying too much now. Ignore everything you know about car insurance because you’re about to learn one of the easiest ways to save money, get proper coverage and the best rates.
If you have coverage now or want to find a cheaper company, you can use this information to cut your premiums while maximizing coverage. Comparing quotes for the best-priced auto insurance in Denver is actually quite simple. Vehicle owners only need to know the best way to compare rate quotes over the internet.
Companies offering low-cost Honda Civic price quotes in Denver, CO
The following companies are our best choices to provide comparison quotes in Colorado. If several companies are displayed, we suggest you compare several of them in order to get a fair rate comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $228 | $516 | $456 | $28 | $136 | $1,364 | $114 |
| Civic VP 4-Dr Sedan | $126 | $332 | $368 | $22 | $110 | $958 | $80 |
| Civic LX 4-Dr Sedan | $142 | $332 | $358 | $22 | $108 | $962 | $80 |
| Civic DX 2-Dr Coupe | $166 | $426 | $462 | $28 | $138 | $1,220 | $102 |
| Civic EX 4-Dr Sedan | $166 | $426 | $396 | $24 | $118 | $1,130 | $94 |
| Civic LX-S 4-Dr Sedan | $258 | $740 | $426 | $26 | $128 | $1,578 | $132 |
| Civic LX 2-Dr Coupe | $188 | $576 | $532 | $32 | $160 | $1,488 | $124 |
| Civic EX-L 4-Dr Sedan | $130 | $324 | $330 | $20 | $98 | $902 | $75 |
| Civic SI 4-Dr Sedan | $246 | $570 | $362 | $22 | $108 | $1,308 | $109 |
| Civic EX 2-Dr Coupe | $200 | $460 | $452 | $26 | $136 | $1,274 | $106 |
| Civic GX 4-Dr Sedan | $290 | $836 | $456 | $28 | $136 | $1,746 | $146 |
| Civic EX-L 2-Dr Coupe | $336 | $910 | $592 | $36 | $178 | $2,052 | $171 |
| Civic Hybrid 4-Dr Sedan | $310 | $592 | $362 | $22 | $108 | $1,394 | $116 |
| Civic SI 2-Dr Coupe | $294 | $794 | $570 | $34 | $170 | $1,862 | $155 |
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Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Premium costs do not factor in specific garaging location which can change insurance rates greatly.
Cautious Denver drivers save money
The information below demonstrates how speeding tickets and fender-benders can raise Honda Civic insurance premiums for different insured age categories. The data assumes a married female driver, full coverage, $250 deductibles, and no other discounts are factored in.
How do Insurers Determine Honda Civic Insurance Rates?
Smart consumers have a good feel for some of the elements that play a part in calculating the level of your policy premiums. When you know what positively or negatively determines premiums, this enables you to make decisions that could result in lower car insurance prices. Many different elements are part of the calculation when pricing auto insurance. Some are obvious such as your driving record, but some are less obvious such as your marital status and annual miles driven.
Shown below are a partial list of the pieces used by your company to calculate your rates.
Performance influences insurance costs – The make and model of the vehicle you need insurance for makes a substantial difference in determining your rates. Since the Honda Civic is considered a passenger car, insuring your vehicle will cost similar in price or lower than the average rate where you live in Denver. The lowest performance passenger models generally have the cheapest insurance rates, but there are many factors that impact the final cost.
Getting married equates to better prices – Being married helps lower the price on your car insurance bill. Having a spouse means you’re more mature than a single person and insurance companies like that married drivers tend to have fewer serious accidents.
Advanced alarm systems – Choosing a vehicle with an alarm system can get you a discount on your car insurance. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help prevent vehicle theft.
Do you really need to file that policy claims? – Auto insurance companies in Colorado give lower rates to drivers who file claims infrequently. If you file a lot of claims you can pretty much guarantee either a policy non-renewal or much higher rates. Insurance coverage is designed for claims that you cannot pay yourself.
Do safer cars cost less to insure? – Vehicles with good safety scores tend to be cheaper to insure. Highly rated vehicles protect occupants better and lower rates of occupant injuries means lower claim amounts passed on to you as lower rates. If your Honda is rated at a minimum four stars on Safercar.gov you may qualify for a discount.
If you don’t need it don’t buy it – Insurance policies have a lot of extra add-on coverages that sound like a good idea at the time on your car insurance policy. Add-on coverages like rental car reimbursement, better glass coverage, and term life insurance are some examples. They may sound like good ideas when you first buy your policy, but your needs may have changed so consider taking them off your policy.
More than one policy can earn a discount – Most car insurance companies provide lower prices to policyholders who have multiple policies with them. It’s known as a multi-policy discount. Discounts can be ten or even up to twenty percent in some cases. Even if you’re getting this discount you still need to comparison shop to guarantee you are still saving the most. It’s possible to still save money by buying insurance from more than one company.
Annual miles is a factor – The more you drive your Honda annually the more you will pay for car insurance. A lot of insurance companies price each vehicle’s coverage based upon how the vehicle is primarily used. Autos that are left in the garage cost less to insure than vehicles that have high annual mileage. Having an incorrect usage rating on your Civic can result in significantly higher rates. Double check that your policy states the correct usage.
Claims statistics for a Honda Civic – Companies include the past claim trends for vehicles to help calculate a profitable premium price. Vehicles that have increased losses will cost more for coverage.
The table below outlines the insurance loss data for Honda Civic vehicles. For each coverage category, the claim probability for all vehicles, without regard to make or model, is considered to be 100. Numbers below 100 suggest losses that are better than average, while numbers that are greater than 100 indicate frequent claims or larger claims.
Honda Civic Insurance Claim Statistics
| 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 |
Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Get discounts on Denver insurance
Some insurers do not list the entire discount list in an easy-to-find place, so the list below contains both well-publicized and the harder-to-find ways to save on insurance.
- Sign Online – A handful of insurance companies will discount your bill up to fifty bucks get Denver auto insurance online.
- Denver Homeowners Pay Less – Owning a house in Denver may earn you a small savings because owning a home requires a higher level of personal finance.
- Discount for Life Insurance – Insurance companies who offer life insurance give a lower premium rate if you buy auto and life insurance together.
- Active Service Discounts – Having a deployed family member could qualify you for better premium rates.
- Passive Restraint Discount – Factory options such as air bags and/or automatic seat belt systems could see savings of more than 20%.
- Discounts for New Vehicles – Buying a new car model can save you some money since newer models have better safety ratings.
- Driver Training Discounts – Taking a class that teaches driver safety techniques can save you 5% or more and easily pay for the cost of the class.
Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to all coverage premiums. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like all the discounts add up to a free policy, you aren’t that lucky.
Larger insurance companies and a summarized list of policyholder discounts are:
- State Farm has savings for passive restraint, anti-theft, student away at school, multiple autos, and good student.
- American Family includes discounts for multi-vehicle, bundled insurance, mySafetyValet, early bird, good driver, TimeAway discount, and Steer into Savings.
- AAA may offer discounts for multi-car, good student, AAA membership discount, good driver, anti-theft, multi-policy, and education and occupation.
- GEICO discounts include daytime running lights, multi-vehicle, anti-lock brakes, seat belt use, emergency military deployment, and driver training.
- Mercury Insurance offers discounts for professional/association, age of vehicle, multi-policy, low natural disaster claims, ease of repair, location of vehicle, and accident-free.
- Farmers Insurance may include discounts for teen driver, good student, youthful driver, pay in full, business and professional, and bundle discounts.
- Progressive may have discounts that include online quote discount, multi-policy, multi-vehicle, good student, continuous coverage, online signing, and homeowner.
If you want the cheapest Honda Civic rate quotes, ask all the companies to apply every possible discount. Some of the earlier mentioned discounts may not be available everywhere. If you would like to see a list of insurance companies with discount insurance rates in Colorado, click here.
Compare prices but still have a local Denver insurance agent
Many drivers still prefer to buy from a licensed agent and that is recommended in a lot of cases Experienced insurance agents can help you choose the best coverages and help in the event of a claim. A nice benefit of getting free rate quotes online is that drivers can save money and get cheap rate quotes but still work with a licensed agent. Putting coverage with neighborhood agents is still important in Denver.
For easy comparison, once you complete this form (opens in new window), your information gets sent to agents in your area who want to provide quotes for your auto insurance coverage. You never need to leave your computer because prices are sent directly to your email. If you wish to get a rate quote for a specific company, you can always search and find their rate quote page and give them your coverage information.
If you want a reputable agency, it helps to know the two different types of agents and how they operate. Agents are categorized either independent agents or exclusive agents. Either type can handle auto insurance, but it is a good idea to know how they are different because it can factor into buying decisions.
Independent Insurance Agents
Independent agents do not write with just one company so as a result can place your coverage with multiple insurance companies and get the cheapest rates. If premiums increase, the business is moved internally and you don’t have to do anything.
When comparing auto insurance prices, you will want to include at a minimum one independent agency in order to have the best price comparison. Many can place coverage with smaller companies which could offer lower prices.
The following is a partial list of independent insurance agencies in Denver that may be able to give you cheap rate quotes.
- American Home Insurance Agency
7505 E Harvard Ave – Denver, CO 80231 – (888) 325-8108 – View Map - Affordable American Insurance-Lloyd Nguyen Agency
1834 S Sheridan Blvd – Denver, CO 80232 – (303) 936-7233 – View Map - Dagley Insurance and Financial Services Inc
2055 S Federal Blvd – Denver, CO 80219 – (303) 975-1229 – View Map
Exclusive Auto Insurance Agents
Agents of this type are contracted to one company like Farmers Insurance or State Farm. These agents are not able to provide other company’s prices so they really need to provide good service. Exclusive insurance agents receive extensive training on their company’s products which helps offset the inability to provide other markets. Some people will only use the same agent partially due to the prominent brand name rather than having low rates.
Listed below is a list of exclusive agents in Denver that are able to give price quotes.
- Jack Sunahara – State Farm Insurance Agent
3525 S Tamarac Dr #160 – Denver, CO 80237 – (303) 779-4848 – View Map - Tiffany Meidinger – State Farm Insurance Agent
1100 Acoma St – Denver, CO 80204 – (720) 508-8760 – View Map - Blanca Kerschen – State Farm Insurance Agent
4840 Chambers Rd b – Denver, CO 80239 – (303) 595-9000 – View Map
Finding the right car insurance agent shouldn’t rely on just a cheap quote. Here are some questions you might want to ask.
- What are the financial ratings for the companies they represent?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Can you get a list of referrals?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- What company holds the largest book of business for them?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Where would your vehicle be repaired?
Once you have good responses for all questions you ask and a low price estimate, you may have found a car insurance agent that is reliable enough to service your policy. But remember, consumers can cancel coverage whenever you want so never feel you’re contractually obligated to any specific company for a certain time period.
Well known brands might not be cheapest
Colorado drivers constantly see and hear ads that promise big savings from the likes of Progressive, Allstate and GEICO. All the ads have a common claim about how much you will save if you just switch your auto insurance policy to them.
How does each company charge less that you’re paying now? It’s all in the wording.
Many companies have underwriting criteria for the type of driver that will be a good risk. For instance, a desirable risk might be described as a married female, has a clear driving record, and has excellent credit. Any driver that meets those criteria will qualify for the lowest car insurance rates in Denver as well as save a lot on Denver Honda Civic insurance if they switch.
Potential insureds who don’t measure up to these standards will get higher premium rates and ends up with the customer not purchasing. The wording the ads use say “people who switch” not “everybody who quotes” can get the lowest rates when switching. That’s why insurance companies can confidently advertise the savings.
This really emphasizes why you should compare rate quotes every year. It’s just not possible to know which insurance companies will give you the biggest savings.
Frequent quotes can save
Insureds who switch companies do it for a variety of reasons including questionable increases in premium, not issuing a premium refund, policy non-renewal or even delays in responding to claim requests. It doesn’t matter why you want to switch choosing a new insurance company can be easy and end up saving you some money.
Cost effective Honda Civic insurance can be purchased both online and also from your neighborhood Denver agents, and you should compare rates from both so you have a total pricing picture. Some car insurance companies do not provide online quoting and many times these smaller providers only sell through independent insurance agencies.
As you restructure your insurance plan, do not skimp on critical coverages to save a buck or two. There are a lot of situations where an accident victim reduced liability limits or collision coverage and learned later they didn’t purchase enough coverage. Your goal is to buy a smart amount of coverage for the lowest cost, not the least amount of coverage.
For more information, feel free to visit the resources below:
- Booster Seat Ratings (iihs.org)
- Who Has Cheap Auto Insurance Quotes for 4×4 Vehicles in Denver? (FAQ)
- Who Has Cheap Car Insurance for a Toyota Corolla in Denver? (FAQ)
- Who Has Cheap Denver Auto Insurance Rates for a Chevrolet Equinox? (FAQ)
- Who Has Cheap Denver Auto Insurance for a Ford F-150? (FAQ)
- Event Data Recorders FAQ (iihs.org)
- What is Covered by GAP Insurance? (Allstate)