Want to learn a better way to compare more affordable Honda Civic insurance in Oklahoma City? Are you at wits end from wondering where the money will come from to buy car insurance? You are in the same boat as most other vehicle owners in Oklahoma.
Anyone knows that insurance companies don’t want customers comparing rates. Insureds who compare other rates will, in all likelihood, buy a new policy because there are good odds of finding a lower-priced policy. A recent survey revealed that drivers who regularly compared price quotes saved $850 each year compared to people who never shopped around.
If finding the most affordable insurance in Oklahoma City is your objective, then learning a little about the best ways to shop for coverage rates can make it easier for you to save money.
Due to the large number of choices of insurance companies that have affordable insurance for a Honda Civic in Oklahoma City, it can be impossible to pick the most affordable insurer.
Obtaining price quotes for the lowest cost insurance coverage in Oklahoma City is quite easy. Practically anyone who is shopping for insurance will find a better price. But Oklahoma vehicle owners need to learn the way insurance companies calculate their prices and use this information to your advantage.
Lower rates by qualifying for discounts
Auto insurance is expensive, but there may be some discounts that can drop the cost substantially. Some discounts will apply at the time of quoting, but some discounts are required to be asked for before you get the savings.
- Student in College – Children living away from Oklahoma City attending college and do not have access to a covered vehicle may qualify for this discount.
- Early Payment Discounts – If paying your policy premium upfront rather than spreading payments over time you can avoid the installment charge.
- Student Discounts – Performing well in school can be rewarded with saving of up to 25%. This discount can apply up to age 25.
- Auto/Life Discount – Select insurance companies reward you with better prices if you take out a life policy as well.
- Driver Safety – Successfully completing a class that teaches defensive driving techniques can save you 5% or more if your company offers it.
- Accident Waiver – Not necessarily a discount, but certain companies may permit one accident without the usual rate increase with the catch being you have to be claim-free prior to being involved in the accident.
A little disclaimer on discounts, some credits don’t apply to the whole policy. Most only reduce individual premiums such as comp or med pay. Even though the math looks like you would end up receiving a 100% discount, companies wouldn’t make money that way. But any discount will bring down the premium cost.
The chart below illustrates the comparison of Honda Civic yearly insurance costs with and without discounts applied to the policy premium. Data assumes a female driver, no driving violations, no at-fault accidents, Oklahoma state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, homeowner, marriage, multi-car, and claim-free discounts applied.
Some of the insurance companies that may include these money-saving discounts are:
It’s a good idea to ask each company to give you their best rates. Some of the discounts discussed earlier may not be offered in Oklahoma City. To see a list of insurers who offer cheap Honda Civic insurance quotes in Oklahoma City, click here.
When shopping for Honda Civic insurance in Oklahoma City there are multiple ways to obtain and compare prices from different companies. The best method to find the cheapest Honda Civic insurance rates is to get quotes online.
Doing online price quotes comparisons is so easy that it takes the place of having to call or drive to each insurance agency near you. The ability to quote Honda Civic insurance online has made agencies unnecessary unless your situation requires the personal advice of a licensed agent. Although you can comparison shop your insurance online but still have the advice of a local agent. Keep in mind that more quotes increases the chance that you will find the best offered rates. Not every company allows you to get Oklahoma City Civic insurance quotes online, so it’s important to also get prices from those companies as well.
The providers in the list below are ready to provide free rate quotes in Oklahoma. If multiple companies are listed, it’s highly recommended you visit as many as you can to get the most competitive price.
Insurance data for a Honda Civic
The data table displayed next highlights detailed analysis of insurance coverage prices for Honda Civic models. Having a better understanding of how insurance policy premiums are calculated can benefit drivers when making decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $212 | $486 | $506 | $30 | $152 | $1,386 | $116 |
| Civic VP 4-Dr Sedan | $212 | $572 | $506 | $30 | $152 | $1,472 | $123 |
| Civic LX 4-Dr Sedan | $212 | $572 | $506 | $30 | $152 | $1,472 | $123 |
| Civic DX 2-Dr Coupe | $212 | $572 | $634 | $38 | $190 | $1,646 | $137 |
| Civic EX 4-Dr Sedan | $212 | $572 | $506 | $30 | $152 | $1,472 | $123 |
| Civic LX-S 4-Dr Sedan | $212 | $572 | $506 | $30 | $152 | $1,472 | $123 |
| Civic LX 2-Dr Coupe | $212 | $658 | $634 | $38 | $190 | $1,732 | $144 |
| Civic EX-L 4-Dr Sedan | $242 | $658 | $506 | $30 | $152 | $1,588 | $132 |
| Civic SI 4-Dr Sedan | $242 | $658 | $506 | $30 | $152 | $1,588 | $132 |
| Civic EX 2-Dr Coupe | $242 | $658 | $634 | $38 | $190 | $1,762 | $147 |
| Civic GX 4-Dr Sedan | $242 | $658 | $506 | $30 | $152 | $1,588 | $132 |
| Civic EX-L 2-Dr Coupe | $242 | $658 | $634 | $38 | $190 | $1,762 | $147 |
| Civic Hybrid 4-Dr Sedan | $274 | $572 | $506 | $30 | $152 | $1,534 | $128 |
| Civic SI 2-Dr Coupe | $274 | $744 | $634 | $38 | $190 | $1,880 | $157 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Information does not factor in specific zip code location which can decrease or increase coverage rates noticeably.
How high should deductibles be?
A question often asked by Oklahoma City drivers is how high should your deductibles be. The rates below sum up the rate difference when you select higher and lower policy deductibles. The first set of prices uses a $100 comprehensive and collision deductible and the second set of prices uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $336 | $698 | $448 | $26 | $134 | $1,667 | $139 |
| Civic VP 4-Dr Sedan | $336 | $822 | $448 | $26 | $134 | $1,791 | $149 |
| Civic LX 4-Dr Sedan | $336 | $822 | $448 | $26 | $134 | $1,791 | $149 |
| Civic DX 2-Dr Coupe | $336 | $822 | $560 | $34 | $168 | $1,945 | $162 |
| Civic EX 4-Dr Sedan | $336 | $822 | $448 | $26 | $134 | $1,791 | $149 |
| Civic LX-S 4-Dr Sedan | $336 | $822 | $448 | $26 | $134 | $1,791 | $149 |
| Civic LX 2-Dr Coupe | $336 | $946 | $560 | $34 | $168 | $2,069 | $172 |
| Civic EX-L 4-Dr Sedan | $386 | $946 | $448 | $26 | $134 | $1,965 | $164 |
| Civic SI 4-Dr Sedan | $386 | $946 | $448 | $26 | $134 | $1,965 | $164 |
| Civic EX 2-Dr Coupe | $386 | $946 | $560 | $34 | $168 | $2,119 | $177 |
| Civic GX 4-Dr Sedan | $386 | $946 | $448 | $26 | $134 | $1,965 | $164 |
| Civic EX-L 2-Dr Coupe | $386 | $946 | $560 | $34 | $168 | $2,119 | $177 |
| Civic Hybrid 4-Dr Sedan | $436 | $822 | $448 | $26 | $134 | $1,891 | $158 |
| Civic SI 2-Dr Coupe | $436 | $1070 | $560 | $34 | $168 | $2,293 | $191 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $186 | $368 | $448 | $26 | $134 | $1,162 | $97 |
| Civic VP 4-Dr Sedan | $186 | $432 | $448 | $26 | $134 | $1,226 | $102 |
| Civic LX 4-Dr Sedan | $186 | $432 | $448 | $26 | $134 | $1,226 | $102 |
| Civic DX 2-Dr Coupe | $186 | $432 | $560 | $34 | $168 | $1,380 | $115 |
| Civic EX 4-Dr Sedan | $186 | $432 | $448 | $26 | $134 | $1,226 | $102 |
| Civic LX-S 4-Dr Sedan | $186 | $432 | $448 | $26 | $134 | $1,226 | $102 |
| Civic LX 2-Dr Coupe | $186 | $498 | $560 | $34 | $168 | $1,446 | $121 |
| Civic EX-L 4-Dr Sedan | $214 | $498 | $448 | $26 | $134 | $1,320 | $110 |
| Civic SI 4-Dr Sedan | $214 | $498 | $448 | $26 | $134 | $1,320 | $110 |
| Civic EX 2-Dr Coupe | $214 | $498 | $560 | $34 | $168 | $1,474 | $123 |
| Civic GX 4-Dr Sedan | $214 | $498 | $448 | $26 | $134 | $1,320 | $110 |
| Civic EX-L 2-Dr Coupe | $214 | $498 | $560 | $34 | $168 | $1,474 | $123 |
| Civic Hybrid 4-Dr Sedan | $242 | $432 | $448 | $26 | $134 | $1,282 | $107 |
| Civic SI 2-Dr Coupe | $242 | $564 | $560 | $34 | $168 | $1,568 | $131 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Premium amounts do not factor in Oklahoma City location which can affect coverage prices greatly.
Using the data above, we can ascertain that using a $100 deductible will cost you approximately $51 more each month or $612 annually than opting for the higher $1,000 deductible. Due to the fact that you would have to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you have more than 18 months between claim filings, you would save more money if you choose the higher deductible.
Calculate savings of higher deductibles
| Average monthly premium for $100 deductibles: | $162 |
| Average monthly premium for $1,000 deductibles (subtract): | – $111 |
| Monthly savings from raising deductible: | $51 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $51 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 18 months |
The example below shows how choosing a deductible and can raise or lower Honda Civic insurance rates for different age groups. The costs are based on a single female driver, comp and collision included, and no discounts are taken into consideration.
Informed Drivers Save Money
It’s important that you understand some of the factors that are used to determine auto insurance rates. If you know what influences your rates, this enables you to make decisions that can earn you much lower annual insurance costs.
Shown below are some of the items used by your company to calculate your rates.
Low stress vocation equals lower rates – Did you know your auto insurance rates can be affected by your occupation? Careers such as doctors, social workers, and accountants generally have the highest rates in part from intense work requirements and long work hours. On the flip side, jobs such as scientists, students and retirees pay lower than average rates.
Theft deterrents systems cut rates – Choosing a vehicle with advanced anti-theft systems can help bring down rates. Advanced theft deterrents such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all help prevent auto theft.
What are good liability coverage limits? – Liability insurance is the protection if you are found liable for damages caused by your negligence. Your policy’s liability insurance provides legal defense coverage to defend your case. Liability insurance is quite affordable compared to other policy coverages, so insureds should have plenty of protection for their assets.
Your gender affects costs – Statistics have proven that women are safer drivers than men. However, don’t assume that women are better drivers. Males and females have at-fault accidents in similar percentages, but the males have costlier accidents. Men also receive more major tickets like DWI (DUI) or reckless driving. Young men ages 16 to 20 have the highest risk to insure and therefore pay the highest rates.
The chart below illustrates the difference between Honda Civic insurance premiums for male and female drivers. The premium estimates are based on no driving violations, no at-fault accidents, comp and collision included, $250 deductibles, drivers are single, and no policy discounts are applied.
Coverage lapses lead to higher premiums – Having a gap between insurance policy dates can be a fast way to increase your renewal premiums. Not only will you pay higher rates, the inability to provide proof of insurance could result in a fine, jail time, or a revoked license.
Safer vehicles save money – Vehicles with good safety scores get lower rates. Safe vehicles have better occupant injury protection and fewer injuries means less claims paid and lower rates for you. If your Honda has at least four stars on Safercar.gov you may pay a lower rate.
Drive a fast vehicle and pay more – The type of car you need insurance for makes a significant difference in the rate you pay. The best insurance prices are usually for low performance passenger vehicles, but many other things help determine your insurance rates.
The data below uses these assumptions: single female driver age 20, full coverage with $1000 deductibles, and no discounts or violations. The data compares Honda Civic insurance rates compared to other models of vehicles that have a range of performance rating factors.
Insurance loss statistics a Honda Civic – Auto insurance companies use historical loss data to calculate a price that will offset any claims. Vehicles that have higher claim frequency or loss amount will have a higher premium rate.
The table below outlines the historical insurance loss data for Honda Civic vehicles. For each coverage category, the claim amount for all vehicles, regardless of manufacturer or model, is set at 100. Values that are under 100 suggest a better than average loss history, while values over 100 indicate more frequent losses or tendency to have higher losses.
| Vehicle Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Honda Civic | 92 | 105 | 68 | 127 | 135 | 121 |
| Honda Civic Hybrid | 90 | 85 | 106 | 105 | 78 | |
| Honda Civic Si | 126 | 97 | 117 | 124 | 104 |
Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Shop online but buy locally
A small number of people still prefer to talk to an insurance agent and we recommend doing that An additional benefit of price shopping on the web is you may find lower rates but still work with a licensed agent. And buying from local insurance agents is important particularly in Oklahoma City.
To find an agent, once you fill out this quick form, the coverage information is submitted to participating agents in Oklahoma City that can give you free Oklahoma City auto insurance quotes for your business. You won’t need to contact an agency since price quotes are sent straight to your inbox. You can get cheaper car insurance rates AND an agent nearby. If you have a need to get a comparison quote from a specific company, you would need to jump over to their website to submit a rate quote request.
Multiple types of auto insurance agents in Oklahoma City
If you’re trying to find a good Oklahoma City insurance agent, it can be helpful to understand the types of agencies and how they are distinctly different. Agents in Oklahoma City may be either exclusive or independent.
Independent Car Insurance Agents
Independent agents often have many company appointments so they can write business with multiple insurance companies and find you the best rates. To transfer your coverage to a different company, the business is moved internally and you don’t have to do anything. If you need cheaper car insurance rates, you will definitely want to include rate quotes from independent agents to maximize your price options.
Featured below is a list of independent agents in Oklahoma City who may be able to give you free car insurance rate quotes.
Centennial Insurance Group, Inc.
2814 W Britton Rd – Oklahoma City, OK 73120 – (405) 286-4179 – View Map
Anderson Insurance
10325 Greenbriar Pl – Oklahoma City, OK 73159 – (405) 794-9500 – View Map
State Auto Insurance Agency Inc
4717 S Western Ave – Oklahoma City, OK 73109 – (405) 631-5575 – View Map
Exclusive Agents
These agents write business for a single company such as Farmers Insurance, State Farm, or Allstate. These agents are unable to compare rates from other companies so if the price isn’t competitive there isn’t much they can do. Exclusive agencies receive extensive training in insurance sales which helps offset the inability to provide other markets.
Below are exclusive agencies in Oklahoma City that can give you price quotes.
Ed Dater – State Farm Insurance Agent
6700 S Western Ave – Oklahoma City, OK 73139 – (405) 634-0504 – View Map
Terry Amacher – State Farm Insurance Agent
4509 NW 63rd St – Oklahoma City, OK 73132 – (405) 721-5500 – View Map
Rita Wallenberg – State Farm Insurance Agent
2833 SW 119th St – Oklahoma City, OK 73170 – (405) 691-2464 – View Map
Finding the right car insurance agent requires you to look at more than just a cheap price. Any agent in Oklahoma City should be willing to answer these questions.
- What is the agency’s Better Business Bureau rating?
- Where would glass claims be handled in Oklahoma City?
- Is the agency active in community causes in Oklahoma City?
- Will they give you a referral list?
- In the event of vehicle damage, can you pick the collision repair facility?
- Is there a local claims center in Oklahoma City?
Insuring your Civic just makes sense
Despite the potentially high cost of Honda Civic insurance, insurance may not be optional for several reasons.
- The majority of states have minimum liability requirements which means state laws require a minimum amount of liability coverage in order to drive the car. In Oklahoma these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you have a loan on your Civic, it’s most likely the lender will have a requirement that you have full coverage to guarantee loan repayment. If you do not pay your insurance premiums, the bank will be required to insure your Honda for a much higher rate and force you to reimburse them a much higher amount than you were paying before.
- Insurance protects both your assets and your vehicle. Insurance will also pay for medical expenses incurred in an accident. Liability coverage also pays expenses related to your legal defense if anyone sues you for causing an accident. If your vehicle suffers damage from an accident or hail, collision and comprehensive coverages will pay all costs to repair after the deductible has been paid.
The benefits of carrying enough insurance definitely exceed the price paid, especially if you ever need it. On average, a vehicle owner in Oklahoma City is overpaying more than $855 a year so it’s recommended you shop around at every policy renewal to save money.
How to find a good Oklahoma auto insurance company
Ending up with the highest-rated car insurance company is hard considering how many choices there are in Oklahoma City. The company information shown next may help you pick which providers you want to consider when shopping your coverage around.
Top 10 Oklahoma City Car Insurance Companies Overall
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
Top 10 Oklahoma City Car Insurance Companies Ranked by Customer Service
- USAA
- Travelers
- Mercury Insurance
- AAA Insurance
- Nationwide
- Safeco Insurance
- Progressive
- State Farm
- The Hartford
- The General
Don’t give up on cheap premiums
We’ve covered some good ideas how you can shop for Honda Civic insurance online. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. Drivers may even discover the best rates are with a small mutual company. These smaller insurers often have lower car insurance rates on specific markets than their larger competitors like Progressive or GEICO.
While you’re price shopping online, do not reduce needed coverages to save money. In many instances, an insured cut uninsured motorist or liability limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to purchase plenty of coverage at the best possible price.
The cheapest Honda Civic insurance in Oklahoma City is possible on the web in addition to local insurance agencies, and you need to price shop both to have the best chance of lowering rates. There are still a few companies who may not have price quotes online and most of the time these regional carriers sell through local independent agencies.
How to find affordable quotes for Honda Civic insurance in Oklahoma City
The recommended way to get affordable Honda Civic insurance is to compare quotes once a year from insurance carriers in Oklahoma City.
- Step 1: Try to understand how your policy works and the things you can control to prevent expensive coverage. Many risk factors that are responsible for high rates such as speeding and a not-so-good credit rating can be remedied by improving your driving habits or financial responsibility.
- Step 2: Compare prices from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only quote rates from one company like GEICO and Allstate, while agents who are independent can provide price quotes for many different companies.
- Step 3: Compare the new rates to your current policy premium and see if you can save money. If you find a better price and buy the policy, verify that coverage does not lapse between policies.
- Step 4: Provide written notification to your current company to cancel the current policy and submit a completed policy application and payment for the new policy. As soon as coverage is bound, put the new certificate verifying coverage in your glove compartment.
A tip to remember is to try to compare the same coverage limits and deductibles on each quote request and and to get price estimates from as many companies as feasibly possible. Doing this provides an accurate price comparison and the best price selection.
More learning opportunities
- Medical Payments Coverage (Liberty Mutual)
- What Auto Insurance is Cheapest for a Honda CR-V in Oklahoma City? (FAQ)
- How Much are Car Insurance Rates for Seniors in Oklahoma City? (FAQ)
- What Auto Insurance is Cheapest for State Employees in Oklahoma City? (FAQ)
- Avoiding Deer Collisions (Insurance Information Institute)
- Rental Car Insurance Tips (Insurance Information Institute)
- Vehicle Insurance in the U.S. (Wikipedia)