Finding economical auto insurance for a Honda Civic in Wisconsin is dependent upon a fairly complex equation with a lot of factors such as the safety rating for your Civic, your residence address, and citations on your driving record. Wisconsin drivers pay approximately $765 a year for Civic insurance, but that amount is based on a 50-year-old single male driver with full physical damage coverage and $500 deductibles.
But there is a high likelihood that you may not be 50 years old (or even male), possibly married instead of single, or you just prefer to insure for liability only. Even a minor difference in the rating criteria used to formulate rates can result in a big discrepancy in the cost of insurance.
Everyone has unique insurance needs, and this illustrates why the only real way to find cheap insurance rates for your Honda is to compare rates from as many companies as possible. Compare rate quotes now and you will be able to see rates from the cheapest companies that insure Honda vehicles in Wisconsin.
The trim level of your vehicle tends to impact the coverage cost, so the cost to insure a Civic DX 4-Dr Sedan will be $254 cheaper than the price to insure the higher-end 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||$108||$248||$260||$16||$78||$710||$59|
|Civic VP 4-Dr Sedan||$108||$294||$260||$16||$78||$756||$63|
|Civic LX 4-Dr Sedan||$108||$294||$260||$16||$78||$756||$63|
|Civic DX 2-Dr Coupe||$108||$294||$324||$20||$98||$844||$70|
|Civic EX 4-Dr Sedan||$108||$294||$260||$16||$78||$756||$63|
|Civic LX-S 4-Dr Sedan||$108||$294||$260||$16||$78||$756||$63|
|Civic LX 2-Dr Coupe||$108||$338||$324||$20||$98||$888||$74|
|Civic EX-L 4-Dr Sedan||$124||$338||$260||$16||$78||$816||$68|
|Civic SI 4-Dr Sedan||$124||$338||$260||$16||$78||$816||$68|
|Civic EX 2-Dr Coupe||$124||$338||$324||$20||$98||$904||$75|
|Civic GX 4-Dr Sedan||$124||$338||$260||$16||$78||$816||$68|
|Civic EX-L 2-Dr Coupe||$124||$338||$324||$20||$98||$904||$75|
|Civic Hybrid 4-Dr Sedan||$140||$294||$260||$16||$78||$788||$66|
|Civic SI 2-Dr Coupe||$140||$382||$324||$20||$98||$964||$80|
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Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Wisconsin minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Price information does not factor in vehicle location which can decrease or increase coverage prices considerably.
Comparing quotes for cheap car insurance is not easy, and determining which companies quote the cheapest car insurance rates for a Honda Civic calls for additional perseverance.
Each auto insurance company has their own unique process to set their prices, so let’s take a look at the most affordable car insurance companies in Wisconsin. We do need to point out that Milwaukee car insurance rates are based on many factors which can significantly increase or decrease your annual premium. This price variation is why it is so important to compare as many rates as possible when trying to get the most economical auto insurance quotes for a Honda Civic. Auto insurance prices consist of many factors and can increase or decrease at any time, so the most affordable company six months ago may now cost much more than other companies.
Best Car Insurance Prices for Your Honda
|Rank||Company||Cost Per Year|
|5||Rural Mutual Insurance||$749|
|12||West Bend Mutual||$926|
|15||Auto Club Group||$977|
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USAA offers some of the cheapest car insurance rates in Milwaukee at around $586 each year. Partners Mutual, Erie, Rockford Mutual, and Rural Mutual Insurance are also some of the cheaper Milwaukee, WI insurance companies.
In the rate table above, if you currently have a policy with Partners Mutual and switched to USAA, you might realize an annual savings of upwards of $22. Policyholders with Erie might save as much as $110 a year, and Rockford Mutual customers might see rate reductions of $160 a year.
Remember that these estimates are averages for all insureds and vehicles and and are not calculated with an exact zip code location for a Honda Civic. So the insurer that can offer you the lowest price may not even be in the top 30 companies shown above. That points out the importance of why you need to quote rates from as many companies as possible using your own driver and vehicle profiles.
Careless driving habits raise Milwaukee car insurance rates
The ideal way to find affordable car insurance prices in Milwaukee for a Civic is to be a cautious driver and avoid at-fault accidents and violations. The example below shows how traffic citations and at-fault collisions can affect insurance premiums for different ages of insureds. The data assumes a married female driver, comp and collision included, $250 deductibles, and no other discounts are factored in.
In the prior example, the average cost of a car insurance policy in Milwaukee per year with no accidents or violations is $1,160. Receive two speeding tickets and the average cost swells to $1,651, an increase of $492 each year. Now add one accident along with the two speeding tickets and the 12-month cost of car insurance for a Honda Civic jumps again to an average of $2,158. That’s an increase of $998, or $83 per month, just for not paying attention while driving!
Why you are probably overpaying for Civic insurance
Milwaukee car insurance rates are calculated based on many things which can substantially decrease or increase the price you pay for coverage. Turning one year older, getting married, or having an accident may cause policy rate changes that can cause some rates to be more affordable than others.
Not only may your situation change, but car insurance companies file new Wisconsin car insurance rates as needed to ensure their profitability. A period of increased losses can result in price increases, while a better claims history may produce cheaper Civic insurance rates.
For instance, the bar chart below shows rates for the cheapest car insurance in Milwaukee, WI for a 30-year-old male driver with no accidents, a clean driving record, and a high credit rating. If we estimate prices based on his current rating profile, USAA might quote the lowest car insurance rates in Milwaukee at $879 annually. This is $282 less than the average policy premium paid by Wisconsin drivers of $1,161. Partners Mutual, Erie, Rockford Mutual, and Integrity Mutual are also on the list of the top five cheapest Milwaukee, WI auto insurance companies.
The example below compares rates after we give the driver in the first chart a claim or two, a lower credit rating, and a traffic citation. Since each auto insurance company uses a different method to determining premium rates, comparing prices will most likely result in a different list of affordable Milwaukee car insurance companies as shown below.
Pekin Insurance now has the cheapest price in Milwaukee with Rural Mutual Insurance, Western National, Travelers, and State Farm now rounding out the top five. This example shows why consumers need to take the time to perform a complete rate comparison to find the most economical car insurance rates for a Honda Civic. Rates can be altered by many different factors and change substantially, so the cheapest company three years ago may now be an over-priced policy.