Finding competitive auto insurance for a Honda Civic in Nevada doesn't take a lot of effort, but it is dependent upon an enormous amount of rating factors such as how you use your Civic, your address, and if you have a history of accidents. Drivers in Nevada will pay on average $1,136 per year for Civic insurance, but that price is an estimate calculated using a 30-year-old single male driver with full comprehensive and collision coverage and $500 deductibles.
The issue that arises when projecting rates is that it's very likely that you are not 30 years old and maybe not even male, maybe you are married instead of single, and you don't want the same coverages and limits as the example. Even a slight difference in rating variables or coverage information may result in significant differences in the coverage rate.
This illustrates why the only real way to find the most affordable coverage for your Honda is to just take the time to compare rates yourself.
Your vehicle's trim level can impact the cost of insurance, so the rate you pay to insure a Civic DX 4-Dr Sedan trim level will be $368 less expensive the cost to insure the higher-priced Civic SI 2-Dr Coupe trim level, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Civic DX 4-Dr Sedan||$192||$324||$404||$24||$120||$1,064||$89|
|Civic VP 4-Dr Sedan||$192||$382||$404||$24||$120||$1,122||$94|
|Civic LX 4-Dr Sedan||$192||$382||$404||$24||$120||$1,122||$94|
|Civic DX 2-Dr Coupe||$192||$382||$504||$30||$152||$1,260||$105|
|Civic EX 4-Dr Sedan||$192||$382||$404||$24||$120||$1,122||$94|
|Civic LX-S 4-Dr Sedan||$192||$382||$404||$24||$120||$1,122||$94|
|Civic LX 2-Dr Coupe||$192||$438||$504||$30||$152||$1,316||$110|
|Civic EX-L 4-Dr Sedan||$220||$438||$404||$24||$120||$1,206||$101|
|Civic SI 4-Dr Sedan||$220||$438||$404||$24||$120||$1,206||$101|
|Civic EX 2-Dr Coupe||$220||$438||$504||$30||$152||$1,344||$112|
|Civic GX 4-Dr Sedan||$220||$438||$404||$24||$120||$1,206||$101|
|Civic EX-L 2-Dr Coupe||$220||$438||$504||$30||$152||$1,344||$112|
|Civic Hybrid 4-Dr Sedan||$250||$382||$404||$24||$120||$1,180||$98|
|Civic SI 2-Dr Coupe||$250||$496||$504||$30||$152||$1,432||$119|
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Data variables include single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Nevada minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Prices do not factor in garaging location in Nevada which can increase or decrease premium rates significantly.
Insuring your vehicle with a high-quality auto insurance provider can be rather challenging considering how many choices you have in Nevada. The information shown next can help you pick which auto insurers to look at when shopping your coverage around. These ratings include companies with a nationwide focus, so smaller companies are not factored into these rankings.
Top 10 Major Auto Insurance Providers in Nevada Ranked by Value
- American Family
- The Hartford
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
Top 10 Major Auto Insurance Providers in Nevada Ranked by Customer Satisfaction
- Titan Insurance - 95%
- USAA - 94%
- AAA Insurance - 91%
- Nationwide - 90%
- State Farm - 90%
- The Hartford - 89%
- GEICO - 89%
- 21st Century - 88%
- Liberty Mutual - 88%
- Allstate - 88%
Top Companies for Honda Civic Insurance in Nevada
The information below demonstrates how deductible levels can change insurance prices when getting quotes for cheap insurance for a Honda Civic in Nevada. The premium estimates are based on a single female driver, comp and collision included, and no other discounts are factored in.
In the chart above, a 30-year-old driver could pocket $368 a year by switching from a $100 deductible to a $500 deductible, or save $550 by selecting a $1,000 deductible. Younger drivers, like the 20-year-old example, could drop their prices as much as $828 or even more by using higher deductibles when buying full coverage.
If you do decide to increase your deductibles, it is essential to have enough savings to cover the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.
How to get discounts on Nevada car insurance rates
Insurance companies that offer coverage for a Honda Civic may also offer premium discounts that can reduce rates by 35% or more if you qualify. Popular auto insurance companies and some of their more popular discounts are included below.
- State Farm offers discounts for multiple autos, good driver, accident-free, driver's education, and passive restraint.
- Progressive includes discounts for homeowner, multi-policy, continuous coverage, online quote discount, online signing, and good student.
- Progressive offers premium reductions for homeowner, multi-policy, online quote discount, multi-vehicle, good student, and online signing.
- MetLife has discounts for defensive driver, good student, claim-free, good driver, multi-policy, and accident-free.
- Farm Bureau may have discounts that include driver training, multi-policy, renewal discount, youthful driver, safe driver, multi-vehicle, and 55 and retired.
- GEICO may include discounts for five-year accident-free, military active duty, membership and employees, multi-vehicle, anti-theft, and multi-policy.
- SAFECO policyholders can earn discounts including teen safety rewards, anti-lock brakes, drive less, teen safe driver, multi-car, and anti-theft.
The example below visualizes the comparison of car insurance costs with and without discounts applied to the policy premium. The rate quotes are based on a female driver, no claims or violations, Nevada state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with passive restraint, accident-free, multiple policy, multiple vehicle, marriage, and safe-driver discounts applied. With discounts applied, theamount saved on auto insurance for a Honda Civic is 28% or $531.
Why you should be shopping around
Nevada auto insurance rates are determined by lots of factors which can substantially change the price of your policy. Simply having another birthday, having a teen driver, or having a fender bender can cause premium changes that can cause some rates to be cheaper than competitors.
Not only may your risk profile change, but car insurance companies modify rates every year or even multiple times each year to adjust for gains or losses. Unexpectedly high claims may result in higher priced premiums, while profitable underwriting can produce lower-priced Civic insurance rates.
To illustrate this example, the bar chart below shows the companies that have the cheapest car insurance in Nevada for a 45-year-old female driver with a clean driving record, no accidents, and excellent credit. Based on her current risk factors, Travelers has the most affordable car insurance rates in Nevada at $903 a year. This is $671 less than the average price paid by Nevada drivers of $1,574. Allied, Capital, Oregon Mutual, and Progressive also make the list of the cheapest Nevada auto insurance companies.
In this next rate comparison, we will give the driver from the above example a couple of claims, a lower credit rating, and a traffic ticket or two. Since every car insurance company uses their own calculation for filing rates in each state, analyzing rates could now result in a completely different list of cheap Nevada auto insurance companies as shown below.
GEICO now has the best price on car insurance in Nevada with Allied, Nationwide, USAA, and Safeco also having competitive pricing. This demonstrates why Nevada drivers need to shop around to get the most affordable insurance rates for a Honda Civic.
Auto insurance prices consist of many risk factors and can decrease or increase without notice, so the lowest-price company the last time you checked may now be one of the higher cost companies.
How to find cheaper car insurance for a Honda Civic
The list below shows many penny-pinching ideas that can help drivers buy cheaper coverage.
- Pay less by remaining claim-free
- Do not get into accidents that are your fault
- Vehicles with safetly features generally cost less to insure
- Good credit can mean cheaper rates
- Drive safely
- Check for cheaper rates once a year
That final tip is very important, as was noted in the prior information. Insurance prices adjust frequently, so don't be tentative to switch carriers if you find a better deal.
Having a favorite company is great, but it's not a great idea if that loyalty results in overpaying money that could be going to better use. It only takes a couple minutes to shop around and find cheaper car insurance for a Honda Civic.