How to Compare Minneapolis Honda Civic Insurance

Unimaginable but true, almost 70% of insureds have been with the same company for a minimum of four years, and about 40% of consumers have never compared insurance rates at all. Many drivers in Minneapolis could save about $1,000 each year just by shopping around, but they don’t want to spend time to find lower-cost rates by getting comparison quotes.

Insurance for Honda CivicThe easiest way to find better pricing on Honda Civic insurance is to annually compare prices from different companies who can sell car insurance in Minneapolis. Rate comparisons can be done by following these steps.

One bit of advice is to try to use identical deductibles and limits on each quote request and and to analyze as many companies as possible. This ensures a level playing field and a complete price analysis.

If you’re already insured or just want to reduce your rates, you can use this information to get lower rates without reducing protection. Buying the cheapest auto insurance in Minneapolis is much easier if you know where to start. Drivers just have to learn how to shop from many different companies online.

The following companies provide price quotes in Minnesota. If you wish to find cheap auto insurance in MN, we suggest you visit several of them to get the cheapest price.

Affordable Minneapolis car insurance quotes with discounts

Insurance can be prohibitively expensive, but there could be significant discounts that many consumers don’t even know exist. Certain credits will be shown when you complete an application, but less common discounts must be asked for in order for you to get them. If you’re not getting every credit available, you’re just leaving money on the table.Cheaper car insurance with discounts

Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to your bottom line cost. The majority will only reduce individual premiums such as liability, collision or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

The illustration below shows the difference between Honda Civic yearly insurance costs with and without policy discounts. The prices are based on a female driver, no accidents or driving violations, Minnesota state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, multi-policy, safe-driver, homeowner, and multi-car discounts applied.

A list of car insurance companies and the discounts they provide are shown below.

If you are trying to find affordable Honda Civic insurance quotes, ask each insurance company how many discounts you can get. Depending on the company, some discounts may not be offered in your area. If you would like to see a list of car insurance companies who offer discounts in Minneapolis, click this link.

Rates and statistics

The data table below outlines a range of insurance policy prices for Honda Civic models. Being aware of how insurance rates are figured helps drivers make decisions when shopping around.

Honda Civic Insurance Rates in Minneapolis, MN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $158 $306 $326 $20 $98 $908 $76
Civic VP 4-Dr Sedan $158 $362 $326 $20 $98 $964 $80
Civic LX 4-Dr Sedan $158 $362 $326 $20 $98 $964 $80
Civic DX 2-Dr Coupe $158 $362 $408 $24 $122 $1,074 $90
Civic EX 4-Dr Sedan $158 $362 $326 $20 $98 $964 $80
Civic LX-S 4-Dr Sedan $158 $362 $326 $20 $98 $964 $80
Civic LX 2-Dr Coupe $158 $416 $408 $24 $122 $1,128 $94
Civic EX-L 4-Dr Sedan $182 $416 $326 $20 $98 $1,042 $87
Civic SI 4-Dr Sedan $182 $416 $326 $20 $98 $1,042 $87
Civic EX 2-Dr Coupe $182 $416 $408 $24 $122 $1,152 $96
Civic GX 4-Dr Sedan $182 $416 $326 $20 $98 $1,042 $87
Civic EX-L 2-Dr Coupe $182 $416 $408 $24 $122 $1,152 $96
Civic Hybrid 4-Dr Sedan $204 $362 $326 $20 $98 $1,010 $84
Civic SI 2-Dr Coupe $204 $470 $408 $24 $122 $1,228 $102
Get Your Own Custom Quote Go

Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Minnesota minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Prices do not factor in specific garaging location which can change coverage prices substantially.

The information below demonstrates how choosing different deductibles and can influence Honda Civic insurance premiums for different age groups. The prices are based on a single male driver, comprehensive and collision coverage, and no discounts are taken into consideration.

Lower Your Minneapolis Insurance Premiums

Part of the car insurance buying process is learning the different types of things that come into play when calculating car insurance rates. If you understand what controls the rates you pay, this empowers consumers to make smart changes that can help you get cheaper rates. Many factors are part of the equation when premium rates are determined. Most are fairly basic like a motor vehicle report, but other factors are more obscure like your continuous coverage or how financially stable you are.

The following are some of the most rate-impacting factors car insurance companies consider when setting rates.