Save Money on Honda Civic Insurance in Seattle

If price shopping Seattle car insurance quotes online is new to you, chances are good that you are bewildered thanks to all the different types of companies offering coverage in Seattle.

Discount Honda Civic insuranceUnbelievable but true according to a study the majority of drivers kept their policy with the same company for well over three years, and practically 40% of car insurance customers have never quoted rates to find cheaper coverage. Drivers in Washington could save as much as 40% every year, but they just assume it’s a time-consuming process to compare rates online.

It’s a good idea to compare rates once or twice a year because car insurance prices are usually higher with each renewal. Even if you think you had the lowest rates on Honda Civic insurance in Seattle six months ago you can probably find a better premium rate now. Ignore everything you know about car insurance because you’re going to learn the easiest way to find lower rates on car insurance.

If you have a current car insurance policy, you will most likely be able to lower your rates using the following tips. This information will instruct you on the best way to quote coverages and some tips to save money. Nevertheless, Washington drivers can benefit from knowing the way companies calculate your policy premium and take advantage of how the system works.

The quickest method to compare rates for Honda Civic insurance in Seattle takes advantage of the fact most larger insurance companies participate in a system to give you rate quotes. All consumers are required to do is spend a couple of minutes providing details like an estimate of your credit level, if you lease or own, what your job is, and deductibles desired. Your details is instantly sent to multiple companies and they respond with quotes instantly to find the best rate.

To compare rates for your Honda Civic now, click here and enter your coverage details.

The companies in the list below are ready to provide price quotes in Seattle, WA. If multiple companies are listed, we recommend you click on several of them to find the lowest auto insurance rates.


Honda Civic Insurance Rates in Seattle, WA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $190 $448 $310 $18 $92 $1,058 $88
Civic VP 4-Dr Sedan $162 $364 $294 $18 $88 $926 $77
Civic LX 4-Dr Sedan $192 $444 $300 $18 $90 $1,044 $87
Civic DX 2-Dr Coupe $106 $278 $386 $22 $116 $908 $76
Civic EX 4-Dr Sedan $184 $364 $386 $22 $116 $1,072 $89
Civic LX-S 4-Dr Sedan $156 $358 $300 $18 $90 $922 $77
Civic LX 2-Dr Coupe $226 $520 $482 $28 $144 $1,400 $117
Civic EX-L 4-Dr Sedan $228 $520 $294 $18 $88 $1,148 $96
Civic SI 4-Dr Sedan $244 $702 $384 $22 $114 $1,466 $122
Civic EX 2-Dr Coupe $220 $510 $376 $22 $112 $1,240 $103
Civic GX 4-Dr Sedan $282 $764 $398 $24 $120 $1,588 $132
Civic EX-L 2-Dr Coupe $282 $764 $498 $30 $148 $1,722 $144
Civic Hybrid 4-Dr Sedan $202 $358 $300 $18 $90 $968 $81
Civic SI 2-Dr Coupe $286 $724 $498 $30 $148 $1,686 $141
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Washington minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Price estimates do not factor in zip code location which can lower or raise price quotes greatly.

Analysis of deductible levels

One of the more difficult decisions when buying car insurance is how high should the physical damage deductibles be. The tables below highlight the cost difference when you choose different comp and collision deductibles. The first rate estimation uses a $100 physical damage deductible and the second price table uses a $500 deductible.


Honda Civic insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $222 $458 $294 $18 $88 $1,105 $92
Civic VP 4-Dr Sedan $222 $540 $294 $18 $88 $1,187 $99
Civic LX 4-Dr Sedan $222 $540 $294 $18 $88 $1,187 $99
Civic DX 2-Dr Coupe $222 $540 $368 $22 $110 $1,287 $107
Civic EX 4-Dr Sedan $222 $540 $294 $18 $88 $1,187 $99
Civic LX-S 4-Dr Sedan $222 $540 $294 $18 $88 $1,187 $99
Civic LX 2-Dr Coupe $222 $622 $368 $22 $110 $1,369 $114
Civic EX-L 4-Dr Sedan $254 $622 $294 $18 $88 $1,301 $108
Civic SI 4-Dr Sedan $254 $622 $294 $18 $88 $1,301 $108
Civic EX 2-Dr Coupe $254 $622 $368 $22 $110 $1,401 $117
Civic GX 4-Dr Sedan $254 $622 $294 $18 $88 $1,301 $108
Civic EX-L 2-Dr Coupe $254 $622 $368 $22 $110 $1,401 $117
Civic Hybrid 4-Dr Sedan $286 $540 $294 $18 $88 $1,251 $104
Civic SI 2-Dr Coupe $286 $704 $368 $22 $110 $1,515 $126
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Honda Civic insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $162 $310 $294 $18 $88 $872 $73
Civic VP 4-Dr Sedan $162 $364 $294 $18 $88 $926 $77
Civic LX 4-Dr Sedan $162 $364 $294 $18 $88 $926 $77
Civic DX 2-Dr Coupe $162 $364 $368 $22 $110 $1,026 $86
Civic EX 4-Dr Sedan $162 $364 $294 $18 $88 $926 $77
Civic LX-S 4-Dr Sedan $162 $364 $294 $18 $88 $926 $77
Civic LX 2-Dr Coupe $162 $420 $368 $22 $110 $1,082 $90
Civic EX-L 4-Dr Sedan $186 $420 $294 $18 $88 $1,006 $84
Civic SI 4-Dr Sedan $186 $420 $294 $18 $88 $1,006 $84
Civic EX 2-Dr Coupe $186 $420 $368 $22 $110 $1,106 $92
Civic GX 4-Dr Sedan $186 $420 $294 $18 $88 $1,006 $84
Civic EX-L 2-Dr Coupe $186 $420 $368 $22 $110 $1,106 $92
Civic Hybrid 4-Dr Sedan $208 $364 $294 $18 $88 $972 $81
Civic SI 2-Dr Coupe $208 $476 $368 $22 $110 $1,184 $99
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Information does not factor in specific zip code location which can impact price quotes substantially.

Based on the figures above, using a $100 deductible costs an average of $23 more each month or $276 annually than buying the higher $500 deductible. Since you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you tend to go at a minimum 17 months between claim filings, you would most likely save money by going with a higher deductible. The table below shows an example of how this decision is made.

Average monthly premium for $100 deductibles: $107
Average monthly premium for $500 deductibles (subtract): – $84
Monthly savings from raising deductible: $23
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $23
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

One thing to be aware of is that a higher deductible means you will have to cover more of the damage yourself when you do file a claim. That will require some extra savings in order to pay more to get your vehicle repaired.

Where to set your deductibles

The illustration below shows how choosing a deductible and can change Honda Civic premium costs for each age group. The premium estimates are based on a married male driver, full physical damage coverage, and no discounts are applied to the premium.

Comparison of car insurance rates by gender

The diagram below shows the comparison of Honda Civic car insurance costs for male and female drivers. The rate quotes are based on no claims or driving citations, full coverage, $250 deductibles, drivers are not married, and no discounts are applied to the premium.

How do I know if I need professional advice?

Always keep in mind that when comparing coverage, there really isn’t a “perfect” insurance plan. Everyone’s needs are different.Auto insurance savings

These are some specific questions may help highlight if your situation would benefit from professional advice.

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form.

What if I want to buy from local Seattle car insurance agents?

Certain consumers still prefer to visit with an insurance agent and that is a personal choice. A good thing about comparing rate quotes online is that you can find cheaper car insurance rates and still choose a local agent. Buying from local agents is important particularly in Seattle.

After filling out this short form, your insurance coverage information is sent to participating agents in Seattle who will return price quotes for your auto insurance coverage. There is no reason to even leave your home because quoted prices will be sent to you directly. You’ll get the best rates and work with a local agent. If you have a need to get a price quote for a specific company, just navigate to their website to submit a rate quote request.

If you want a good insurance agency, it’s helpful to know the different agency structures and how they differ in how they can insure your vehicles. Agents can either be independent (non-exclusive) or exclusive.

Independent Insurance Agents

Agents that elect to be independent are not locked into one company and that is an advantage because they can write policies with multiple insurance companies and help determine which has the cheapest rates. If premiums increase, an independent agent can move your coverage without you having to go to a different agency. When shopping rates, we recommend you include at a minimum one independent agency to ensure the widest selection of prices. Most also write with smaller companies that can offer cheaper rates than bigger companies.

Featured below are independent agents in Seattle who may be able to give you cheap rate quotes.

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Exclusive Agencies

Agents that elect to be exclusive can only provide pricing for a single company like American Family, State Farm, and Allstate. They are unable to give you multiple price quotes so keep that in mind. Exclusive agents receive a lot of sales training on the products they sell which helps offset the inability to provide other markets. A lot of people buy from the same agent for years primarily because of the brand legacy and the convenience of having all coverages with one company.

The following are Seattle exclusive agencies that can give you rate quotes.

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Choosing the best auto insurance agent needs to be determined by more than just a low price. Any agent in Seattle should be willing to answer these questions.