Finding economical insurance for a Honda Civic is dependent upon many rating criteria such as whether you are male or female, your profession, and blemishes on your driving record. Tennessee drivers pay around $987 per year for Civic insurance, but that amount is a valuation calculated based on a 50-year-old married female driver with full physical damage coverage and $100 deductibles.
When projecting a rate like this, the problem is that you aren’t exactly 50 years old or even a female, maybe you are single instead of married, or maybe you just want liability only. There is no one cookie-cutter policy that works for everyone, so the only real way to find the cheapest insurance price for your Honda is to compare as many rates as you can.
The trim level of your Civic will likely have an effect on the coverage cost, so the cost to insure a Civic DX 4-Dr Sedan will be $342 less expensive the insurance cost for the higher-priced Civic SI 2-Dr Coupe version, as demonstrated by the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $166 | $372 | $272 | $16 | $82 | $908 | $76 |
| Civic VP 4-Dr Sedan | $166 | $438 | $272 | $16 | $82 | $974 | $81 |
| Civic LX 4-Dr Sedan | $166 | $438 | $272 | $16 | $82 | $974 | $81 |
| Civic DX 2-Dr Coupe | $166 | $438 | $340 | $20 | $102 | $1,066 | $89 |
| Civic EX 4-Dr Sedan | $166 | $438 | $272 | $16 | $82 | $974 | $81 |
| Civic LX-S 4-Dr Sedan | $166 | $438 | $272 | $16 | $82 | $974 | $81 |
| Civic LX 2-Dr Coupe | $166 | $506 | $340 | $20 | $102 | $1,134 | $95 |
| Civic EX-L 4-Dr Sedan | $192 | $506 | $272 | $16 | $82 | $1,068 | $89 |
| Civic SI 4-Dr Sedan | $192 | $506 | $272 | $16 | $82 | $1,068 | $89 |
| Civic EX 2-Dr Coupe | $192 | $506 | $340 | $20 | $102 | $1,160 | $97 |
| Civic GX 4-Dr Sedan | $192 | $506 | $272 | $16 | $82 | $1,068 | $89 |
| Civic EX-L 2-Dr Coupe | $192 | $506 | $340 | $20 | $102 | $1,160 | $97 |
| Civic Hybrid 4-Dr Sedan | $216 | $438 | $272 | $16 | $82 | $1,024 | $85 |
| Civic SI 2-Dr Coupe | $216 | $572 | $340 | $20 | $102 | $1,250 | $104 |
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Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Tennessee minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Estimates do not factor in specific zip code location which can alter price quotes noticeably.
Choosing a high-quality car insurance provider can be challenging considering how many companies sell insurance in Memphis. The company information listed below could help you analyze which insurers you want to consider when comparing rate quotes.
The rankings below are only comprised of the companies with a significant amount of written premium nationwide, so smaller companies that only insure vehicles in Tennessee are not taken into consideration for the list. To check prices from the most competitive companies in Tennessee, simply click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
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Data Source: Insure.com Best Car Insurance Companies
The diagram below shows how choosing a deductible can affect yearly insurance costs when researching cheap insurance for a Honda Civic. Data assumes a single male driver, comprehensive and collision coverage, and no discounts are applied to the premium.
As shown above, a 30-year-old driver could save $404 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $604 by switching to a $1,000 deductible. Even younger drivers, like the Age 20 chart data, can cut up to $1,204 or even more by choosing larger deductibles on their policy.
If you make the decision to raise deductibles, it will be required to have enough funds in savings to be able to cover the extra out-of-pocket expense associated with higher deductibles.
Low rates can quickly become overpriced
Memphis auto insurance rates are determined by lots of factors that control the price you have to pay for coverage. Getting older, buying higher coverage limits, or getting a couple of tickets can trigger changes in premium that can now make some companies more affordable than the competition.
In addition to those changes, companies file new Tennessee car insurance rates as often as every quarter to adjust for gains or losses. Heavy losses can cause more expensive prices, while a lower level of claims can result in cheaper Civic insurance rates.
The chart below compares the cheapest car insurance in Memphis, TN for a 30-year-old female driver with no prior claims, no tickets, and excellent credit. When quoting prices based on her personal risk profile, Utica National may have the lowest car insurance rates in Memphis at $1,114 per year. This is $214 less than the average rate paid by Tennessee drivers of $1,328. Cincinnati Insurance, Auto-Owners, Penn National, and USAA are the rest of the most affordable Memphis, TN auto insurance companies.
In this next rate comparison, we will give the driver in the first example a couple of claims, bad credit, and a traffic citation. Because each company has a unique formula for determining rates, comparing quotes may now present a different ranking of affordable Memphis car insurance companies as shown below.
Erie now has the lowest price in Memphis with Nationwide, Allied, Westfield, and GEICO now being in the top five. This example illustrates why it is crucial to do a thorough rate comparison when trying to get the lowest auto insurance quotes for a Honda Civic.
Prices are made up of many different factors and can increase or decrease at any time, so the cheapest option when you last compared rates may now not even be in the top five.
The auto insurance agents in Memphis shown below can probably help you decide which auto insurance policy would work best for you, as some drivers wish to get help from a professional when comparing insurance rates for a Civic. It can be challenging to find the cheapest auto insurance company, so agents can give comfort knowing you have adequate protection in case of an accident or claim. To find an auto insurance agency using an interactive map, click the button after the list or click here to compare rates now.
AutoSave Insurance
2550 Poplar Ave – Memphis, TN 38112 – (901) 458-1630
Lipscomb and Pitts Insurance LLC
2670 Union Ave – Memphis, TN 38112 – (901) 321-1000
Steve Womack – State Farm Insurance Agent
848 Cooper St – Memphis, TN 38104 – (901) 725-1919
More Memphis, TN insurance agents
How to find the cheapest car insurance for a Honda Civic
The list below details some of the recommended money-saving ideas that can help Memphis drivers quote more affordable auto insurance.
- Do not get into accidents
- Drivers with good credit ratings often pay less
- Remove physical damage coverage on older vehicles
- Buy vehicles with good safety ratings
- Save money by bundling your home and auto policies
- Ensure you have the best deal by shopping around regularly
The final tip is particularly vital, as was stressed in the article above. Prices charged by car insurance companies can change considerably in a year, so you should be ready to buy from a new company if you find a cheaper price. Having brand loyalty is commendable, but it’s not a good idea if that stubbornness costs you thousands of dollars over several years. It takes less than five minutes to shop around to find cheaper insurance for a Honda Civic in Memphis.