Finding cheap auto insurance for a Honda Civic in Oklahoma is pretty simple, but it relies on many different factors such as annual miles driven, whether or not you have prior claims, and if you have tickets or violations. Drivers pay on average $1,531 per year to insure their Civic, but that is an estimate using a 50-year-old married female driver with full comprehensive and collision coverage and $100 deductibles.
Odds are that you aren’t exactly 50 years old or even a female, you might be single instead of married, or maybe you want different physical damage deductibles. This example demonstrates why the way we recommend to find the cheapest insurance price for your Honda is to compare as many rates as you can.
The trim level of your Civic will be a contributing factor to the insurance rate, so the rate you will pay to insure a Civic DX 4-Dr Sedan will be $534 cheaper than the price to insure the more well-appointed Civic SI 2-Dr Coupe version, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Civic DX 4-Dr Sedan||$258||$578||$422||$24||$126||$1,408||$117|
|Civic VP 4-Dr Sedan||$258||$682||$422||$24||$126||$1,512||$126|
|Civic LX 4-Dr Sedan||$258||$682||$422||$24||$126||$1,512||$126|
|Civic DX 2-Dr Coupe||$258||$682||$528||$32||$158||$1,658||$138|
|Civic EX 4-Dr Sedan||$258||$682||$422||$24||$126||$1,512||$126|
|Civic LX-S 4-Dr Sedan||$258||$682||$422||$24||$126||$1,512||$126|
|Civic LX 2-Dr Coupe||$258||$784||$528||$32||$158||$1,760||$147|
|Civic EX-L 4-Dr Sedan||$298||$784||$422||$24||$126||$1,654||$138|
|Civic SI 4-Dr Sedan||$298||$784||$422||$24||$126||$1,654||$138|
|Civic EX 2-Dr Coupe||$298||$784||$528||$32||$158||$1,800||$150|
|Civic GX 4-Dr Sedan||$298||$784||$422||$24||$126||$1,654||$138|
|Civic EX-L 2-Dr Coupe||$298||$784||$528||$32||$158||$1,800||$150|
|Civic Hybrid 4-Dr Sedan||$336||$682||$422||$24||$126||$1,590||$133|
|Civic SI 2-Dr Coupe||$336||$888||$528||$32||$158||$1,942||$162|
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Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Oklahoma minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Prices do not factor in Tulsa location which can affect price quotes substantially.
Buying coverage from a high-quality insurance company is difficult considering how many companies there are to choose from in Tulsa. The information in the lists below can help you pick which companies you want to consider when comparing rates.
The rankings below are only made up of the largest companies in America, so smaller companies will not be included in the list. To compare rates from the insurers below and more, follow this link.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
The diagram below demonstrates how deductibles can change premium costs when researching cheap insurance for a Honda Civic. The data is based on a married female driver, full coverage, and no other discounts are factored in.
As shown above, a 50-year-old driver could lower rates by $400 a year by increasing from a $100 deductible up to a $500 deductible, or save $602 by choosing a $1,000 deductible. Young drivers, like the Age 20 category, could reduce their rates $988 or more by choosing a larger deductible amount.
If you do raise deductibles, it will be important to have emergency funds available to enable you to cover the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
Get discount Tulsa car insurance rates
Car insurance companies that offer quotes for a Honda Civic may have policy discounts that could lower prices by 25% or more if you qualify. A few popular companies and their offered discounts are:
- Progressive may have discounts that include online quote discount, online signing, good student, continuous coverage, and homeowner.
- The Hartford has discounts for bundle, air bag, anti-theft, good student, defensive driver, driver training, and vehicle fuel type.
- Mercury Insurance may include discounts for good driver, age of vehicle, good student, type of vehicle, annual mileage, and ease of repair.
- GEICO offers discounts including anti-lock brakes, emergency military deployment, defensive driver, air bags, anti-theft, seat belt use, and military active duty.
- AAA offers discounts for good student, anti-theft, pay-in-full, education and occupation, AAA membership discount, multi-car, and good driver.
- State Farm discounts include accident-free, anti-theft, driver’s education, good driver, Drive Safe & Save, defensive driving training, and multiple policy.
The example below shows the difference between insurance costs with and without discounts applied to the policy rates. The data assumes a female driver, a clean driving record, no at-fault accidents, Oklahoma state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with safe-driver, accident-free, defensive driving course, multiple policy, claim-free, and multiple vehicle discounts applied. With discounts applied, theaverage yearly reduction on insurance for a Honda Civic is 28% or $1,010.
Careless Tulsa drivers pay higher rates
A great way to score low insurance rates in Tulsa for a Civic is to be a cautious driver and not get tickets or have accidents. The illustration below highlights how traffic violations and at-fault accidents increase insurance prices for different age groups. The rate quotes are based on a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are taken into consideration.
In the previous example, the average cost of a car insurance policy in Tulsa per year with no accidents and a clean driving record is $1,879. Get two speeding tickets and the average cost swells to $2,672, an increase of $793 each year. Next add one accident along with the two speeding tickets and the yearly cost of insurance for a Honda Civic jumps again to an average of $3,497. That’s an increase of $1,618, or $135 per month, just for not driving responsibly!
If you aren’t clear which coverage you need and would like to have the advice of a professional agent when shopping around for cheaper insurance for a Honda Civic, the professional agents shown below are willing to help you determine which car insurance company is the best fit.
To locate a Tulsa car insurance agency closest to you, click the button after the list.
- Stacy Sweeten – State Farm Insurance Agent
4130 S Harvard Ave, Ste A2 – Tulsa, OK 74135 – (918) 743-8700
- Jonathan Gibson – State Farm Insurance Agent
205 E Pine St #102 – Tulsa, OK 74106 – (918) 382-5717
- Glass Insurance Agency, Inc
4500 S Garnett Rd #914 – Tulsa, OK 74146 – (918) 663-5314
- Farmers Insurance – John Neuschwander
6016 S Memorial Dr – Tulsa, OK 74145 – (918) 576-6180
- Scott Mccoy Insurance Agency, Inc.
7030 S Yale Ave Suite #109 – Tulsa, OK 74136 – (918) 894-5551