Buying cheaper car insurance for a Honda Civic in Louisiana relies on a large number of rating criteria such as the safety rating of your vehicle, your credit score, and blemishes on your driving record. Drivers pay on average $1,290 per year to insure their Civic, but that amount is an estimation calculated based on a 30-year-old married male driver with both comprehensive and collision coverage and $1,000 deductibles.
More likely than not, you are not 30 years old and maybe not even male, you might be single instead of married, or maybe you just want liability only. Have just a small change in the criteria used to calculate rates could end up in a significant change in the price of coverage.
Each driver’s needs are different, and that demonstrates why the best way to find the cheapest insurance price for your Honda is to do a thorough rate comparison.
View Honda Civic Insurance Rates
Vehicle trim level has an effect on the cost of coverage, so the price you will be charged to insure a Civic DX 4-Dr Sedan model will be $416 less than the price to insure the more well-appointed Civic SI 2-Dr Coupe version, as shown in the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $194 | $380 | $464 | $28 | $140 | $1,206 | $101 |
| Civic VP 4-Dr Sedan | $194 | $448 | $464 | $28 | $140 | $1,274 | $106 |
| Civic LX 4-Dr Sedan | $194 | $448 | $464 | $28 | $140 | $1,274 | $106 |
| Civic DX 2-Dr Coupe | $194 | $448 | $580 | $34 | $174 | $1,430 | $119 |
| Civic EX 4-Dr Sedan | $194 | $448 | $464 | $28 | $140 | $1,274 | $106 |
| Civic LX-S 4-Dr Sedan | $194 | $448 | $464 | $28 | $140 | $1,274 | $106 |
| Civic LX 2-Dr Coupe | $194 | $516 | $580 | $34 | $174 | $1,498 | $125 |
| Civic EX-L 4-Dr Sedan | $222 | $516 | $464 | $28 | $140 | $1,370 | $114 |
| Civic SI 4-Dr Sedan | $222 | $516 | $464 | $28 | $140 | $1,370 | $114 |
| Civic EX 2-Dr Coupe | $222 | $516 | $580 | $34 | $174 | $1,526 | $127 |
| Civic GX 4-Dr Sedan | $222 | $516 | $464 | $28 | $140 | $1,370 | $114 |
| Civic EX-L 2-Dr Coupe | $222 | $516 | $580 | $34 | $174 | $1,526 | $127 |
| Civic Hybrid 4-Dr Sedan | $250 | $448 | $464 | $28 | $140 | $1,330 | $111 |
| Civic SI 2-Dr Coupe | $250 | $584 | $580 | $34 | $174 | $1,622 | $135 |
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Louisiana minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Estimates do not factor in zip code location which can change price quotes greatly.
Selecting a high-quality auto insurance provider is difficult considering how many companies there are to choose from in New Orleans. The company ratings listed below may help you pick which coverage providers you want to consider buying from. The ratings below include companies with a national presence, so smaller companies are not taken into consideration for the list.
Top 10 Major Car Insurance Companies in New Orleans Ranked by Customer Service
- USAA
- Safeco Insurance
- AAA Insurance
- State Farm
- Progressive
- The Hartford
- The General
- Esurance
- GEICO
- Liberty Mutual
Top 10 Major Car Insurance Companies Overall in New Orleans
- USAA
- AAA Insurance
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
- American Family
- Esurance
- The General
Full coverage rates compared to liability only
Reducing premiums for insurance is important to the majority of people, and one good way to reduce the cost of insurance for a Honda Civic is to only buy liability insurance. The example below shows the comparison of insurance prices when comparing full coverage to liability only. The information is based on no claims or driving violations, $100 deductibles, single marital status, and no discounts are applied.
Averaged for all ages 20 through 70, physical damage insurance costs an additional $3,087 per year over and above liability coverage. Many people question if buying full coverage is a waste of money. There is no exact formula to exclude physical damage coverage on your policy, but there is a general guideline. If the annual cost of coverage is more than 10% of the replacement cost minus the deductible, the it may be a good time to stop paying for full coverage.
Can you find cheaper Civic insurance?
New Orleans insurance rates are determined by lots of factors which can substantially change the price you pay. Getting older, increasing liability limits, or having an at-fault accident may prompt premium changes resulting in some companies being cheaper than before. Also, companies change rates as needed to help ensure profitability. Larger than normal claims can result in increased rates, while lower claim expenses can produce lower-cost Civic insurance rates.
To illustrate this point, the graph below demonstrates which company has the cheapest car insurance in New Orleans, LA for a 35-year-old male driver with no violations or accidents, and great credit. When comparing rates based on his current risk factors, USAA quotes the most affordable car insurance rates in New Orleans at $2,728 annually. This is $314 more than the average rate paid by Louisiana drivers of $2,414. MetLife, Progressive, GEICO, and Safeway are also included in the cheapest New Orleans, LA auto insurance companies.
Now we will give the driver from the first set of rates a chargeable claim, a lower credit rating, and a blemish on his driving record. Due to the fact that each insurance company has a different process to determining premium rates, comparing insurance quotes may now present a different ranking of the cheapest New Orleans car insurance companies as shown below.
California Casualty now has the cheapest car insurance in New Orleans with State Farm, USAA, MetLife, and Safe Auto also being competitive. This shows why it is so important to perform a complete rate comparison when trying to get the best car insurance rates for a Honda Civic.
Insurance rates are determined by many different factors and can increase or decrease at any time, so the most economical company the last time you shopped around may now be one of the more expensive options.