Nobody is fond of buying car insurance, in particular when they are paying too much.
It’s shocking but over 70% of Illinois drivers have stayed with the same insurance company for well over three years, and almost half have never even shopped around for affordable coverage. U.S. consumers could save as much as $859 a year, but most tend to underestimate the rate savings if they moved their coverage to a different company.
There are many insurance companies to insure vehicles with, and although it’s a good thing to have a choice, it can be more difficult to find the best rates for Honda Civic insurance in Chicago.
Locating the most cost-effective insurance policy in Chicago is really quite simple as long as you have a good starting point. Nearly anyone who is overpaying for insurance will more than likely be able to reduce their rates. But Illinois car owners need to learn the methods companies use to determine what you pay and use it to your advantage.
Keep in mind that comparing more prices increases the chance that you will find the best offered rates.
The companies in the list below are ready to provide comparison quotes in Illinois. If multiple companies are shown, we recommend you compare several of them to get the lowest price.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $160 | $312 | $268 | $16 | $80 | $836 | $70 |
| Civic VP 4-Dr Sedan | $192 | $550 | $316 | $18 | $94 | $1,170 | $98 |
| Civic LX 4-Dr Sedan | $168 | $492 | $294 | $18 | $88 | $1,060 | $88 |
| Civic DX 2-Dr Coupe | $130 | $298 | $336 | $20 | $100 | $884 | $74 |
| Civic EX 4-Dr Sedan | $152 | $392 | $274 | $16 | $82 | $916 | $76 |
| Civic LX-S 4-Dr Sedan | $178 | $440 | $268 | $16 | $80 | $982 | $82 |
| Civic LX 2-Dr Coupe | $192 | $632 | $394 | $24 | $118 | $1,360 | $113 |
| Civic EX-L 4-Dr Sedan | $186 | $372 | $342 | $20 | $102 | $1,022 | $85 |
| Civic SI 4-Dr Sedan | $194 | $520 | $340 | $20 | $102 | $1,176 | $98 |
| Civic EX 2-Dr Coupe | $186 | $372 | $428 | $26 | $128 | $1,140 | $95 |
| Civic GX 4-Dr Sedan | $164 | $372 | $262 | $16 | $78 | $892 | $74 |
| Civic EX-L 2-Dr Coupe | $194 | $540 | $368 | $22 | $110 | $1,234 | $103 |
| Civic Hybrid 4-Dr Sedan | $160 | $332 | $294 | $18 | $88 | $892 | $74 |
| Civic SI 2-Dr Coupe | $136 | $370 | $424 | $26 | $126 | $1,082 | $90 |
| Get Your Own Custom Quote Go | |||||||
Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Illinois minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Rate information does not factor in garaging location in Chicago which can change price quotes significantly.
Should you raise deductibles?
When buying auto insurance, a common question is how high or low should comp and collision deductibles be. The premium rates below may help you to understand the rate differences of buying low and high deductibles. The first set of rates uses a $250 deductible for comp and collision and the second set of rates uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $176 | $340 | $262 | $16 | $78 | $897 | $75 |
| Civic VP 4-Dr Sedan | $176 | $400 | $262 | $16 | $78 | $957 | $80 |
| Civic LX 4-Dr Sedan | $176 | $400 | $262 | $16 | $78 | $957 | $80 |
| Civic DX 2-Dr Coupe | $176 | $400 | $326 | $20 | $98 | $1,045 | $87 |
| Civic EX 4-Dr Sedan | $176 | $400 | $262 | $16 | $78 | $957 | $80 |
| Civic LX-S 4-Dr Sedan | $176 | $400 | $262 | $16 | $78 | $957 | $80 |
| Civic LX 2-Dr Coupe | $176 | $462 | $326 | $20 | $98 | $1,107 | $92 |
| Civic EX-L 4-Dr Sedan | $202 | $462 | $262 | $16 | $78 | $1,045 | $87 |
| Civic SI 4-Dr Sedan | $202 | $462 | $262 | $16 | $78 | $1,045 | $87 |
| Civic EX 2-Dr Coupe | $202 | $462 | $326 | $20 | $98 | $1,133 | $94 |
| Civic GX 4-Dr Sedan | $202 | $462 | $262 | $16 | $78 | $1,045 | $87 |
| Civic EX-L 2-Dr Coupe | $202 | $462 | $326 | $20 | $98 | $1,133 | $94 |
| Civic Hybrid 4-Dr Sedan | $228 | $400 | $262 | $16 | $78 | $1,009 | $84 |
| Civic SI 2-Dr Coupe | $228 | $522 | $326 | $20 | $98 | $1,219 | $102 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $142 | $274 | $262 | $16 | $78 | $772 | $64 |
| Civic VP 4-Dr Sedan | $142 | $322 | $262 | $16 | $78 | $820 | $68 |
| Civic LX 4-Dr Sedan | $142 | $322 | $262 | $16 | $78 | $820 | $68 |
| Civic DX 2-Dr Coupe | $142 | $322 | $326 | $20 | $98 | $908 | $76 |
| Civic EX 4-Dr Sedan | $142 | $322 | $262 | $16 | $78 | $820 | $68 |
| Civic LX-S 4-Dr Sedan | $142 | $322 | $262 | $16 | $78 | $820 | $68 |
| Civic LX 2-Dr Coupe | $142 | $372 | $326 | $20 | $98 | $958 | $80 |
| Civic EX-L 4-Dr Sedan | $164 | $372 | $262 | $16 | $78 | $892 | $74 |
| Civic SI 4-Dr Sedan | $164 | $372 | $262 | $16 | $78 | $892 | $74 |
| Civic EX 2-Dr Coupe | $164 | $372 | $326 | $20 | $98 | $980 | $82 |
| Civic GX 4-Dr Sedan | $164 | $372 | $262 | $16 | $78 | $892 | $74 |
| Civic EX-L 2-Dr Coupe | $164 | $372 | $326 | $20 | $98 | $980 | $82 |
| Civic Hybrid 4-Dr Sedan | $186 | $322 | $262 | $16 | $78 | $864 | $72 |
| Civic SI 2-Dr Coupe | $186 | $420 | $326 | $20 | $98 | $1,050 | $88 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Illinois minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Premium costs do not factor in specific Chicago garaging location which can revise coverage rates greatly.
Using the data above, we can ascertain that using a $250 deductible would cost the average driver about $12 more each month or $144 a year than requesting the higher $500 deductible. Since you would have to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you usually have at a minimum 21 months between claim filings, you would come out ahead if you choose the higher deductible. The numbers below show a better example of how we made this calculation.
| Average monthly premium for $250 deductibles: | $86 |
| Average monthly premium for $500 deductibles (subtract): | – $74 |
| Monthly savings from raising deductible: | $12 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $12 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 21 months |
One big caveat is that increasing deductibles to save money means you will have to pay more out-of-pocket when you have a comprehensive or collision claim. That will necessitate some non-essential savings in order to pay the higher deductible.
Chicago auto insurance discounts
Companies don’t always advertise the complete list of policy discounts in a way that’s easy to find, so the list below details a few of the more common and also the lesser-known credits available to lower your premiums when you buy Chicago car insurance online. If you aren’t receiving every discount you qualify for, you are paying more than you should be.
- Discount for Life Insurance – Larger auto insurance companies have lower rates if you buy a life policy as well.
- Service Members Pay Less – Having a deployed family member could trigger a small discount.
- Driver Education Discount – Cut your cost by having your teen driver successfully take a driver’s education course if offered at their school.
- Sign Online – Certain insurance companies provide a small discount for buying a policy and signing up digitally online.
- Home Ownership Discount – Simply owning a home can save a few bucks since home ownership requires a higher level of personal finance.
- No Claims – Insureds with no claims or accidents are rewarded with significantly better rates on Chicago car insurance quote compared to drivers who are more careless.
- Defensive Driver Discounts – Passing a driver safety class is a good idea and can lower rates and make you a better driver.
- Switch and Save Discount – Some auto insurance companies reward drivers for buying a new policy before your current Civic insurance policy expires. This discount can save up to 10%.
Remember that most discounts do not apply to the whole policy. The majority will only reduce the cost of specific coverages such as comprehensive or collision. So even though you would think all the discounts add up to a free policy, companies don’t profit that way. But any discount will reduce the cost of your policy.
Popular auto insurance companies and some of the discounts are:
- State Farm may offer discounts for passive restraint, multiple autos, safe vehicle, good student, and anti-theft.
- Liberty Mutual offers discounts including newly married, teen driver discount, hybrid vehicle, preferred payment discount, and multi-car.
- American Family has savings for multi-vehicle, defensive driver, bundled insurance, Steer into Savings, good student, and good driver.
- Progressive may have discounts that include good student, continuous coverage, multi-vehicle, online signing, and online quote discount.
- Farmers Insurance policyholders can earn discounts including youthful driver, early shopping, pay in full, homeowner, and distant student.
- Auto-Owners Insurance offers discounts for anti-theft, teen driver, multiple vehicles, good student, safe vehicle, and safe driver.
- SAFECO offers premium reductions for anti-lock brakes, drive less, teen safe driver, teen safety rewards, bundle discounts, and homeowner.
Before buying, ask each company or agent which discounts can lower your rates. Savings may not be offered in your area. To view auto insurance companies that have a full spectrum of discounts in Illinois, follow this link.
Get rate quotes but buy from a local Chicago insurance agent
Certain consumers just want to visit with an insurance agent and that can be a smart move The best thing about comparing rate quotes online is that drivers can save money and get the lowest rates and still have an agent to talk to.
After filling out this short form, your information is transmitted to companies in Chicago that provide free Chicago car insurance quotes for your coverage. You won’t even need to find an agent on your own because prices are sent to you directly. It’s the lowest rates without requiring a lot of work. If for some reason you want to compare prices from a specific insurance company, just search and find their rate quote page to submit a rate quote request.
Finding the right insurance company requires more thought than just the bottom line cost. Agents should be asked these questions:
- How many years have they been established?
- Will you get a loaner vehicle if you car is being repaired?
- Can you contact them at any time?
- What insurance companies do they work with in Chicago?
- Are claims handled at the agent’s location?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Which family members are covered?
- How much experience to they have in personal lines coverages?
Learn How to Quote Auto Insurance More Affordably
Multiple criteria are taken into consideration when pricing auto insurance. Most are fairly basic such as your driving history, although others are more obscure like your vehicle usage or how financially stable you are. A large part of saving on auto insurance is knowing a few of the rating criteria that help determine your policy premiums. When you know what positively or negatively impacts premium levels, this helps enable you to make changes that could result in big savings.
Save money by having multiple policies – The majority of auto insurance companies provide better rates to clients who buy several policies from them such as combining an auto and homeowners policy. Discounts can amount to ten or even fifteen percent. Even if you qualify for this discount already, it’s in your best interest to check prices from other companies to make sure you are getting the best deal. You may still be able to save money even if you have your coverage with different companies
Good drivers pay the best costs – Having a single driving citation can bump up the cost by twenty percent. Careful drivers get better rates than their less careful counterparts. Drivers who get severe citations such as hit and run, DWI or reckless driving convictions may need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to prevent their license from being revoked.
Gaps in coverage mean higher auto insurance rates – Allowing your coverage to lapse is a fast way to pay more for auto insurance. Not only will rates go up, being ticketed for driving with no insurance could result in a fine, jail time, or a revoked license. Then you may be required to provide proof of insurance in the form of an SR-22 filing with the Illinois department of motor vehicles.
Marriage reduces risk – Being married may earn you lower rates on your auto insurance bill. Having a spouse is viewed as being more mature and responsible and insurance companies reward insureds because drivers who are married are more cautious.
Policy add-ons may be wasting money – There are quite a few add-on coverages that may not really be needed if you aren’t diligent. Insurance for things like vanishing deductibles, death and dismemberment, and term life insurance may be costing you every month. You may think they are a good idea when buying your policy, but if you have no use for them think about removing them and cutting costs.
Prices also based on gender – Statistics have proven women tend to be less risk to insure than men. The data does not necessarily mean that males are worse at driving than females. Females and males are in fender benders at about the same rate, but the males tend to have higher claims. They also get more serious tickets like driving under the influence (DUI).
Car insurance liability protection limits – Liability insurance will afford coverage if ever you are found liable for damages from an accident. Liability provides legal defense coverage starting from day one. This coverage is relatively inexpensive when compared to the cost of physical damage coverage, so drivers should buy more than the minimum limits required by law.
Annual miles is a factor – The more you drive your Honda in a year the more you’ll pay to insure it. A lot of companies apply a rate based upon how much you drive. Vehicles that sit idle most of the time receive better premium rates than vehicles that are driven to work every day. It’s a smart idea to ensure your auto insurance coverage is rated on the right rating data. Incorrect rating for your Civic can cost quite a bit.
Honda Civic historical loss data – Insurance companies use statistical claims data to calculate a price that will offset losses. Vehicles that tend to have higher number or severity of losses will have a higher cost to insure. The table below shows the actual insurance loss data for Honda Civic vehicles.
For each type of coverage, the claim probability for all vehicles, regardless of make or model, equals 100. Values below 100 are indicative of better than average losses, while percentage values above 100 indicate more frequent claims or an increased chance of larger losses than average.
Auto Insurance Loss Data for Honda Civic Models
| Vehicle Make and 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
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Three reasons car insurance is important
Even though it can be expensive, maintaining insurance serves a purpose in several ways.
- Most states have minimum liability requirements which means state laws require a specific minimum amount of liability insurance in order to get the vehicle licensed. In Illinois these limits are 20/40/15 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
- If your vehicle has a lien holder, most banks will make it a condition of the loan that you buy full coverage to protect their interest in the vehicle. If you do not keep the policy in force, the bank or lender will purchase a policy for your Honda for a much higher rate and force you to reimburse them a much higher amount than you were paying before.
- Insurance protects both your car and your personal assets. It will also cover most medical and hospital costs incurred in an accident. Liability coverage also covers legal expenses if you are named as a defendant in an auto accident. If damage is caused by hail or an accident, your policy will cover the repair costs.
The benefits of having insurance greatly outweigh the cost, especially when you need to use it. But the average American driver overpays more than $700 annually so shop around every year to be sure current rates are still competitive.
Persistence will pay off
As you shop your coverage around, it’s very important that you do not reduce needed coverages to save money. There are too many instances where an insured cut uninsured motorist or liability limits and found out when filing a claim they didn’t purchase enough coverage. The proper strategy is to buy the best coverage you can find at the best price but still have enough coverage for asset protection.
Cheaper Honda Civic insurance in Chicago is possible on the web as well as from insurance agents, so you should be comparing quotes from both to have the best rate selection. Some insurance providers do not provide rates over the internet and most of the time these smaller companies only sell coverage through independent agents.
More information
- Older Drivers FAQ (iihs.org)
- Who Has Cheap Chicago Auto Insurance Quotes for a 20 Year Old Male? (FAQ)
- Who Has Affordable Car Insurance for Drivers Over Age 70 in Chicago? (FAQ)
- What Insurance is Cheapest for a Chevrolet Malibu in Chicago? (FAQ)
- Who Has the Cheapest Auto Insurance for College Graduates in Chicago? (FAQ)
- Who Has Affordable Chicago Car Insurance Rates for a Toyota Corolla? (FAQ)
- What Car Insurance is Cheapest for a Jeep Wrangler in Chicago? (FAQ)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)
- Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)
- Young Drivers: The High Risk Years Video (iihs.org)
- Eight Auto Insurance Myths (Insurance Information Institute)