Finding affordable insurance for a Honda Civic in Oklahoma relies on many different factors such as whether the vehicle is new, whether you are claim-free, and if you have tickets or violations. Oklahoma drivers pay around $1,642 per year for Civic insurance, but that cost is a projection based on a 50-year-old single female driver with full coverage and $250 deductibles.
This brings up the issue that more than likely you aren’t exactly 50 years old or even a female, married instead of single, or maybe you just want liability only. This example demonstrates why the only real way to find cheap auto insurance rates for your Honda is to compare rates from as many companies as possible. Price quotes are quick and you will receive prices from some of the cheapest companies around.
Your Honda’s trim level will have an impact the insurance rate, so the price you will be charged to insure a Civic DX 4-Dr Sedan will be $556 less than the price to insure the fancier 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||$260||$572||$506||$30||$152||$1,520||$127|
|Civic VP 4-Dr Sedan||$260||$674||$506||$30||$152||$1,622||$135|
|Civic LX 4-Dr Sedan||$260||$674||$506||$30||$152||$1,622||$135|
|Civic DX 2-Dr Coupe||$260||$674||$634||$38||$190||$1,796||$150|
|Civic EX 4-Dr Sedan||$260||$674||$506||$30||$152||$1,622||$135|
|Civic LX-S 4-Dr Sedan||$260||$674||$506||$30||$152||$1,622||$135|
|Civic LX 2-Dr Coupe||$260||$776||$634||$38||$190||$1,898||$158|
|Civic EX-L 4-Dr Sedan||$298||$776||$506||$30||$152||$1,762||$147|
|Civic SI 4-Dr Sedan||$298||$776||$506||$30||$152||$1,762||$147|
|Civic EX 2-Dr Coupe||$298||$776||$634||$38||$190||$1,936||$161|
|Civic GX 4-Dr Sedan||$298||$776||$506||$30||$152||$1,762||$147|
|Civic EX-L 2-Dr Coupe||$298||$776||$634||$38||$190||$1,936||$161|
|Civic Hybrid 4-Dr Sedan||$336||$674||$506||$30||$152||$1,698||$142|
|Civic SI 2-Dr Coupe||$336||$878||$634||$38||$190||$2,076||$173|
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Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Oklahoma minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Rates do not factor in specific garaging location which can alter premiums noticeably.
Insuring your vehicle with the best insurance company can be difficult considering how many companies provide coverage in Oklahoma City. The ranking information displayed below can help you choose which coverage providers you want to consider buying from. These rankings are for companies that insure vehicles nationwide, so companies that have a smaller presence will not be included in this list.
Top 10 Major Car Insurance Companies Overall in Oklahoma City
- Mercury Insurance
- AAA Insurance
- State Farm
- The Hartford
- Safeco Insurance
Top 10 Major Car Insurance Companies in Oklahoma City Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Mercury Insurance – 89%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
Get discount Oklahoma City insurance
Auto insurance companies that provide policies for a Honda Civic may have discounts that can lower rates by as much as 35% if you are eligible to receive them. Large insurance companies and some of the discounts are detailed below.
- GEICO may have discounts that include multi-vehicle, military active duty, daytime running lights, membership and employees, federal employee, seat belt use, and driver training.
- MetLife policyholders can earn discounts including good student, multi-policy, claim-free, defensive driver, good driver, accident-free
- State Farm may offer discounts for good student, accident-free, passive restraint, multiple policy, defensive driving training, driver’s education, and student away at school.
- Progressive includes discounts for multi-vehicle, good student, online signing, online quote discount, and homeowner.
- Mercury Insurance discounts include age of vehicle, type of vehicle, good student, annual mileage, location of vehicle, and multi-policy.
- 21st Century offers discounts for teen driver, 55 and older, defensive driver, early bird, good student, automatic seat belts, and air bags.
- Allstate offers discounts including auto/life discount, farm vehicle, premier plus, teenSMART discount, FullPay discount, and defensive driver.
The chart below shows the difference between insurance premiums with and without discounts applied to the premium. The premiums assume a female driver, no tickets, no at-fault accidents, Oklahoma state minimum liability limits, comp and collision included, and $100 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with anti-theft, accident-free, defensive driving course, safe-driver, homeowner, and claim-free discounts applied. When these discounts are applied to the policy premium, theaverage amount saved on insurance for a Honda Civic is 28% or $786.
Compare rates to save
Oklahoma City, OK insurance rates are impacted by many factors that control the policy price. Turning one year older, buying a home instead of renting, or having an at-fault accident can trigger rate changes resulting in some rates now being more affordable than competitors. In addition, insurers change rates as often as every quarter to adjust for unexpected claims or profits. Heavier than normal losses can result in increased rates, while lower claim expenses may produce lower-cost Civic insurance rates.
The bar chart below shows rates for the cheapest car insurance in Oklahoma City, OK for a 45-year-old female driver with no accidents or violations, and great credit. Based on her personal profile, Oklahoma Farmers Union has the best car insurance rates in Oklahoma City at $1,361 a year. This is $606 less than the average rate paid by Oklahoma drivers of $1,967. USAA, The Hartford, GEICO, and Safe Auto are the rest of the top five cheapest Oklahoma City, OK auto insurance companies.
In this next rate comparison, we will give the driver from the first rate comparison a claim, bad credit, and a traffic citation. Due to the fact that every auto insurer has a proprietary formula to set premium rates, comparing prices could result in a new list of the cheapest Oklahoma City car insurance companies as shown below.
State Farm now has the cheapest car insurance in Oklahoma City, OK with USAA, Liberty Mutual, The Hartford, and GEICO also being competitive. This example proves why drivers need to do a thorough rate comparison to find the most economical car insurance rates for a Honda Civic. Insurance prices are influenced by many different factors and can change without notice, so the cheapest option the last time you shopped around may now not even be in the top five.
How to find cheaper auto insurance for a Honda Civic
It’s not impossible to find cheaper rates, and here are some of the recommended money-saving solutions that can help drivers buy cheap car insurance.
- Lower rates by purchasing a safer vehicle
- Avoid getting tickets or violations
- Increase your credit score
- Try paying for small claims out-of-pocket
- Remain accident-free and save
- Compare rates often to find the best deal
That final tip is extremely necessary, as was discussed in this piece. Auto insurance prices can be adjusted at any time, so don’t be hesitant to switch carriers if a better rate can be found.
Being loyal to a particular company is commendable, but it’s not recommended if it’s costing you money that could be spent on other things. Take a couple minutes and compare rates and find cheaper car insurance for a Honda Civic in Oklahoma City.
If you prefer to have the advice of a professional agent when comparing insurance rates for a Honda Civic, the professional agents shown below can answer your questions and help you decide which insurance coverage you need. To find an Oklahoma City insurance agency in your neighborhood, click the button at the bottom of the list or click here to compare prices now.
- Perimeter Insurance
4200 Perimeter Center Dr – Oklahoma City, OK 73112 – (405) 778-8880
- Freeland Insurance, LLC
6017 Shiloh Dr – Oklahoma City, OK 73179 – (405) 692-6106
- Kevin Murphy – State Farm Insurance Agent
1707 S Morgan Rd – Oklahoma City, OK 73128 – (405) 265-2500