What Car Insurance is Cheapest for a Honda Civic in Toledo?

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Honda Civic insurance policy
Honda Civic insurance policy image courtesy of QuoteInspector.com

Finding economical coverage for a Honda Civic in Ohio is fairly easy, but it relies on a lot of factors such as your financial responsibility, whether or not you have filed claims in the past, and citations or violations on your driving record. Drivers in Ohio pay around $742 a year for Civic insurance, but that amount is a valuation based on a 30-year-old single male driver with full physical damage coverage and $1,000 deductibles.

There's a high likelihood you may not be 30 years old (or even male), married instead of single, or maybe your Civic is old enough that it doesn't require full coverage. There is no one cookie-cutter policy that works for everyone, so the best method for finding cheap auto insurance rates for your Honda is to compare as many rates as possible.

Compare Honda Civic Insurance Rates

Your Honda's trim level will most likely have an effect on the coverage cost, so the rate you will pay to insure a Civic DX 4-Dr Sedan trim level will be $234 cheaper than the price to insure the fancier Civic SI 2-Dr Coupe model, as shown by the rates below.

Honda Civic Insurance Rates in Toledo, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $108 $186 $298 $18 $88 $698 $58
Civic VP 4-Dr Sedan $108 $220 $298 $18 $88 $732 $61
Civic LX 4-Dr Sedan $108 $220 $298 $18 $88 $732 $61
Civic DX 2-Dr Coupe $108 $220 $372 $22 $112 $834 $70
Civic EX 4-Dr Sedan $108 $220 $298 $18 $88 $732 $61
Civic LX-S 4-Dr Sedan $108 $220 $298 $18 $88 $732 $61
Civic LX 2-Dr Coupe $108 $252 $372 $22 $112 $866 $72
Civic EX-L 4-Dr Sedan $124 $252 $298 $18 $88 $780 $65
Civic SI 4-Dr Sedan $124 $252 $298 $18 $88 $780 $65
Civic EX 2-Dr Coupe $124 $252 $372 $22 $112 $882 $74
Civic GX 4-Dr Sedan $124 $252 $298 $18 $88 $780 $65
Civic EX-L 2-Dr Coupe $124 $252 $372 $22 $112 $882 $74
Civic Hybrid 4-Dr Sedan $140 $220 $298 $18 $88 $764 $64
Civic SI 2-Dr Coupe $140 $286 $372 $22 $112 $932 $78
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Premium data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Price estimates do not factor in vehicle garaging location which can revise auto insurance rates significantly.

Finding decent, low-priced car insurance is confusing at best, and determining which companies offer the lowest-priced insurance rates for a Honda Civic takes even more diligence. Every insurance company has their own process for setting prices, so we'll take a look at the insurance companies with the overall cheapest rates in Ohio.

We do need to point out that Toledo, OH insurance rates are influenced by many factors which can substantially decrease or increase the price you pay. Simply having a birthday, having a teen driver, or getting a couple of tickets may prompt premium changes that can now make some companies more expensive than before.

Best Insurance Companies for Your Honda

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Cheapest Ohio auto insurance companies
Rank Company Cost Per Year
1 Utica National $647
2 Erie $681
3 Frankenmuth $687
4 Allied $690
5 Travelers $712
6 USAA $733
7 Cincinnati Insurance $749
8 Merchants Insurance Group $771
9 Motorists Mutual $800
10 Grange Mutual $828
11 General Casualty $837
12 Central Mutual $848
13 State Farm $858
14 Hastings Mutual $893
15 Westfield $908
16 Atlantic States $931
17 Western Reserve $941
18 Auto-Owners $958
19 Progressive $991
20 Nationwide $1,028
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Utica National generally has some of the best car insurance rates in Toledo at around $647 each year. Erie, Frankenmuth, Allied, and Travelers also are some of the cheapest Toledo, OH car insurance companies.

As shown in the table above, if you buy coverage from Allied and switched to Utica National, you might see savings of around $43. Policyholders with Travelers may save as much as $65 a year, and USAA insureds might cut rates by $86 a year.

Be aware that those premiums are averaged across all insureds and vehicles and are not factoring in a vehicle location for a Honda Civic. So the insurer that fits you best may not even be in the top 33 companies in the list above. That's why you need to quote rates from as many companies as possible using your own driver data and vehicle information.

The example below highlights how deductible selection can increase or decrease insurance costs when quoting cheap insurance for a Honda Civic. The data assumes a single male driver, full coverage, and no discounts are factored in.

In the chart above, a 40-year-old driver could save $282 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $422 by changing to a $1,000 deductible. Even younger drivers, such as the 20-year-old chart data, could possibly save $948 or even more just by choosing higher deductibles when buying full coverage.

If you do decide to increase your deductibles, it will be important to have spare funds to enable you to pay the extra out-of-pocket expense that comes with higher deductibles.

Why you should be shopping around

Toledo insurance rates are influenced by many factors which can significantly increase or decrease the price you pay for coverage. Improving your credit rating, increasing deductibles, or getting into an accident can cause premium changes that may make certain companies cheaper in comparison to the competition.

Not only may your situation change, but auto insurance companies change the rates they charge in Ohio without warning in order to offset underwriting gains or losses. Higher than usual claims may cause more expensive premiums, while lower claim levels can cause lower-priced Civic insurance rates.

For instance, the chart below shows the cheapest car insurance in Toledo, OH for a 45-year-old female driver with no prior accidents, a clean driving record, and great credit. If we look at prices based on her current risk factors, Utica National may have the best car insurance rates in Toledo at $833 each year. This is $207 less than the average rate paid by Ohio drivers of $1,040. Erie, Allied, Travelers, and Frankenmuth are also on the list of the top five cheapest Toledo, OH auto insurance companies.

Now we will pretend the driver from the first set of rates an at-fault accident, a lower credit rating, and a few traffic violations. Due to the fact that each insurance company has a unique approach for determining rates in each state, analyzing rates may now result in a slightly different list of the cheapest car insurance companies in Toledo as shown below.

Merchants Insurance Group now has the best car insurance rate in Toledo, OH with Cincinnati Insurance, Motorists Mutual, Grange Mutual, and General Casualty also having competitive pricing. This illustrates why it is critical to do a thorough rate comparison when trying to get the most budget-friendly insurance rates for a Honda Civic.

Rates can be altered by many things and change frequently, so the cheapest company six months ago may now be wasting a lot of money.

How to find the cheapest insurance for a Honda Civic

Here are many thrifty suggestions that can help Ohio drivers find cheap car insurance.

The last suggestion is extraordinarily vital, as was pointed out in the prior article. Prices charged by car insurance companies in Toledo can be changed at any time, so you should be ready to switch to a new company if a cheaper rate is available.

Many drivers tend to have loyalty to a certain company, but is isn't recommended if that dedication is costing money that could be used for better things. Now is a great time to shop around and find cheaper insurance for a Honda Civic.

If you have coverage questions and would like to have a little guidance when shopping around for cheaper insurance for a Civic, the agents shown below are willing to aid you in deciding which coverages are best.

To locate an agency nearest to you, click the button below the list.

Bud Moody - State Farm Insurance Agent
1751 W Sylvania Ave - Toledo, OH 43613 - (419) 471-9909

Allstate Insurance: William Swade
2114 N Reynolds Rd - Toledo, OH 43615 - (419) 536-9166

RBI Insurance and Financial Services
3421 N Holland Sylvania Rd - Toledo, OH 43615 - (419) 841-4446

Allstate Insurance: Jessica J. Hernandez
1855 S Reynolds Rd B - Toledo, OH 43614 - (419) 536-9000

American Family Insurance - Bob Rowland
3138 Tremainsville Rd - Toledo, OH 43613 - (419) 472-9777

More insurance agents in Toledo, OH