Buying cheaper auto insurance for a Honda Civic in Illinois is dependent upon many rating factors such as your financial responsibility, the likelihood of vehicle theft, and any prior driving offenses you have. Drivers will pay on average $936 each year to insure their Civic, but that figure is calculated using a 30-year-old married female driver with full comprehensive and collision coverage and $250 deductibles.
More likely than not, you are not 30 and maybe not even a female, you might be single instead of married, or maybe you want more liability coverage than is required by law in Illinois. There is no perfect policy for every driver, so the best method for finding the most affordable coverage for your Honda is to do a thorough rate comparison.
The trim level of your Honda will have an impact the coverage cost, so the price you will be charged to insure a Civic DX 4-Dr Sedan trim level will be $318 less than the price to insure the higher-end Civic SI 2-Dr Coupe trim level, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $170 | $334 | $266 | $16 | $80 | $866 | $72 |
| Civic VP 4-Dr Sedan | $170 | $392 | $266 | $16 | $80 | $924 | $77 |
| Civic LX 4-Dr Sedan | $170 | $392 | $266 | $16 | $80 | $924 | $77 |
| Civic DX 2-Dr Coupe | $170 | $392 | $332 | $20 | $100 | $1,014 | $85 |
| Civic EX 4-Dr Sedan | $170 | $392 | $266 | $16 | $80 | $924 | $77 |
| Civic LX-S 4-Dr Sedan | $170 | $392 | $266 | $16 | $80 | $924 | $77 |
| Civic LX 2-Dr Coupe | $170 | $452 | $332 | $20 | $100 | $1,074 | $90 |
| Civic EX-L 4-Dr Sedan | $196 | $452 | $266 | $16 | $80 | $1,010 | $84 |
| Civic SI 4-Dr Sedan | $196 | $452 | $266 | $16 | $80 | $1,010 | $84 |
| Civic EX 2-Dr Coupe | $196 | $452 | $332 | $20 | $100 | $1,100 | $92 |
| Civic GX 4-Dr Sedan | $196 | $452 | $266 | $16 | $80 | $1,010 | $84 |
| Civic EX-L 2-Dr Coupe | $196 | $452 | $332 | $20 | $100 | $1,100 | $92 |
| Civic Hybrid 4-Dr Sedan | $220 | $392 | $266 | $16 | $80 | $974 | $81 |
| Civic SI 2-Dr Coupe | $220 | $512 | $332 | $20 | $100 | $1,184 | $99 |
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Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Illinois minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Rates do not factor in garaging location in Chicago which can revise price quotes considerably.
Picking a high-quality insurer can be a challenge considering how many companies sell coverage in Chicago. The company rank data shown next may help you pick which coverage providers you want to consider purchasing coverage from.
The rankings below only include companies with a nationwide focus, so smaller companies will not be included in the list. To compare rates from these top insurers and more, click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 99 | 100 | 90 | 92% | A++ | 97.4 |
| 21st Century | 89 | 86 | 100 | 88% | A | 92.7 |
| GEICO | 97 | 91 | 88 | 85% | A++ | 92.5 |
| Nationwide | 88 | 94 | 91 | 88% | A+ | 91.3 |
| AAA Insurance | 93 | 87 | 88 | 87% | A | 90.8 |
| Liberty Mutual | 91 | 91 | 92 | 87% | A | 90.7 |
| Safeco Insurance | 90 | 93 | 88 | 86% | A | 90.2 |
| State Farm | 91 | 94 | 80 | 88% | A++ | 90.2 |
| Travelers | 89 | 91 | 94 | 79% | A++ | 90.1 |
| American Family | 88 | 92 | 83 | 88% | A | 89.4 |
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Data Source: Insure.com Best Car Insurance Companies
Full coverage versus liability-only
Saving money on car insurance is probably important to the majority of drivers, and a great way to pay lower rates for insurance for a Honda Civic is to buy liability only. The illustration below compares insurance premiums with liability coverage only compared to full coverage. The premium estimates are based on no claims or driving violations, $100 deductibles, drivers are not married, and no discounts are factored in.
If the expense is averaged for all age categories, comprehensive and collision coverage on your policy costs $1,950 per year more than insuring for liability only. Many people question if physical damage coverage is worth the money. There is no written rule for phasing out full coverage on your policy, but there is a general guideline you can use. If the annual cost of your full coverage insurance is more than 10% of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.
For example, let’s say your vehicle’s replacement cost is $10,500 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company will settle for is $9,500 after paying your deductible. If it’s costing you more than $950 a year for full coverage, then it’s probably a good time to buy liability coverage only.
Why are you paying too much to insure your Civic?
Illinois car insurance rates are impacted by many factors which can substantially decrease or increase the price you have to pay. Simply having a birthday, buying a different home, or getting a few speeding tickets can cause premium changes that can make some companies cheaper than before. In addition to those changes, insurers modify rates every year or even multiple times each year in order to maintain liquidity for claims. Higher than normal claims may cause higher prices, while lower claim expenses may cause lower-cost Civic insurance rates.
As an example, the bar chart below compares the cheapest car insurance in Chicago, IL for a 45-year-old female driver with a good driving record, no prior claims, and a good credit history. If we look at prices based on her current situation, The Hartford offers the cheapest car insurance rates in Chicago at $1,222 per year. This is $127 less than the average premium paid by Illinois drivers of $1,349. Rockford Mutual, Titan, Erie, and Cincinnati Insurance are also on the list of the most affordable Chicago, IL auto insurance companies.
In this next rate comparison, we will give the driver from the first example an accident surcharge, less-than-perfect credit, and a speeding ticket. Since every car insurance company uses their own method to establish rates, analyzing rate quotes may now result in a different set of affordable companies as shown below.
Utica National now has the cheapest rate in Chicago, IL with Travelers, State Farm, SECURA, and Safeco also having competitive pricing. This example proves why consumers need to take the time to perform an extensive rate comparison to find the lowest insurance rates for a Honda Civic.
Prices are calculated by many factors and change dramatically, so the cheapest rate when you bought your policy may now be one of the more expensive options.
How to find low-cost car insurance for a Honda Civic
Below you’ll find some money-saving suggestions that can help you buy low-cost coverage.
- Buy your homeowners policy from the same company as your auto insurance
- Good credit can save money
- If possible, pay for small claims out-of-pocket
- Increase your physical damage deductibles
- Avoid at-fault accidents and claims
- Avoid getting tickets or violations
- Compare rate quotes often
That last tip is notably critical, as was affirmed in this article. Prices charged by car insurance companies go up and down frequently, so don’t be afraid to change to a new company if a more affordable rate is found. Being loyal to a particular company is commendable, but it’s not recommended if that inflexibility results in costing you potentially thousands of dollars a year. It takes less than five minutes to compare prices and find cheaper auto insurance for a Honda Civic in Chicago.