What Auto Insurance is Cheapest for a Honda Civic in Omaha?

Finding economical insurance for a Honda Civic in Nebraska is pretty simple, but it depends on a large number of factors such as the age of the Civic, if you have prior claims, and any prior driving offenses. Drivers in Nebraska will pay on average $989 each year to insure their Civic, but that figure is calculated based on a 40-year-old single female driver with both comprehensive and collision coverage and $1,000 deductibles.

But there is a high likelihood that you aren’t exactly 40 years old or even a female, maybe you are married instead of single, and maybe your Civic just needs liability-only coverage. There is no perfect policy for every driver, so the way we recommend to find cheap auto insurance rates for your Honda is to compare as many rates as you can. In just a few minutes you will receive price comparisons from top-rated companies available.

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The specific model of Civic can impact the cost of coverage, so the price you pay to insure a Civic DX 4-Dr Sedan will be $316 cheaper than the price to insure the higher-priced Civic SI 2-Dr Coupe model, as shown in the chart below.

Honda Civic Insurance Rates in Omaha, NE
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $120 $278 $390 $24 $116 $928 $77
Civic VP 4-Dr Sedan $120 $326 $390 $24 $116 $976 $81
Civic LX 4-Dr Sedan $120 $326 $390 $24 $116 $976 $81
Civic DX 2-Dr Coupe $120 $326 $488 $28 $146 $1,108 $92
Civic EX 4-Dr Sedan $120 $326 $390 $24 $116 $976 $81
Civic LX-S 4-Dr Sedan $120 $326 $390 $24 $116 $976 $81
Civic LX 2-Dr Coupe $120 $376 $488 $28 $146 $1,158 $97
Civic EX-L 4-Dr Sedan $138 $376 $390 $24 $116 $1,044 $87
Civic SI 4-Dr Sedan $138 $376 $390 $24 $116 $1,044 $87
Civic EX 2-Dr Coupe $138 $376 $488 $28 $146 $1,176 $98
Civic GX 4-Dr Sedan $138 $376 $390 $24 $116 $1,044 $87
Civic EX-L 2-Dr Coupe $138 $376 $488 $28 $146 $1,176 $98
Civic Hybrid 4-Dr Sedan $156 $326 $390 $24 $116 $1,012 $84
Civic SI 2-Dr Coupe $156 $426 $488 $28 $146 $1,244 $104
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Price data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nebraska minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Prices do not factor in vehicle location which can impact rates substantially.

Insuring your vehicle with a high-quality auto insurance provider is difficult considering how many choices there are in Omaha. The company rank data below can help you select which car insurance providers to look at when looking for cheaper rates.

The ratings below are only comprised of the largest auto insurers in America, so companies that only write business in Nebraska or surrounding areas are not factored into this list. To check rates from these and other top-rated companies, click here.

Best 15 Insurance Companies for a Honda Civic in Nebraska
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
The Hartford 87 89 84 87% A+ 88
Esurance 84 88 85 83% A+ 86
Farmers Insurance 79 88 84 87% A 84.7
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Data Source: Insure.com Best Car Insurance Companies

The example below illustrates how your choice of deductibles can raise or lower insurance rates when quoting cheap insurance for a Honda Civic. The data is based on a married female driver, comprehensive and collision coverage, and no discounts are applied.

The chart above illustrates that a 30-year-old driver could pocket $274 a year by increasing from a $100 deductible to a $500 deductible, or save $412 by using a $1,000 deductible. Younger drivers, like the age 20 example, can save up to $584 or more by choosing a higher deductible.

If you do make the decision to raise your deductibles, it is a good idea to have enough spare savings to satisfy the extra out-of-pocket expense that deters many people from opting for higher deductibles.

Types of discounts on Omaha insurance rates

Discounts on insurance for a Honda CivicInsurance providers that provide coverage for a Honda Civic may also offer rate discounts that can lower rates by as much as 40% or more if you qualify. Larger insurance companies and some of the premium reductions they offer are outlined below.

The information below visualizes the comparison of insurance costs with and without discounts. The premium estimates are based on a female driver, no violations or accidents, Nebraska state minimum liability limits, full physical damage coverage, and $250 deductibles.

The first bar for each age group shows insurance cost with no discounts. The second shows the rates with accident-free, anti-theft, vehicle safety, marriage, safe-driver, and claim-free discounts applied. When these discounts are applied, theaverage amount saved on insurance for a Honda Civic is 28% or $618.

Your cheap Civic insurance may actually be overpriced

Omaha insurance rates are impacted by many things which can significantly increase or decrease the cost of coverage. Simply turning a year older, having a claim, or getting into an accident can trigger price changes that may make certain companies more affordable than before. Also, car insurance companies file new rates every year or even multiple times each year in order to maintain liquidity for claims. An unexpected high level of claims may result in increased rates, while a better claims history can cause more affordable Civic insurance rates.

For instance, the graph below demonstrates which company has the cheapest car insurance in Omaha, NE for a 40-year-old female driver with no prior accidents, a clean driving record, and good credit. Based on her current situation, Safeco quotes the most affordable car insurance rates in Omaha at $878 per year. This is $438 less than the average price paid by Nebraska drivers of $1,316. The Hartford, Auto-Owners, Allied, and Farm Bureau Mutual round out the rest of the cheapest Omaha, NE auto insurance companies.

The example below compares rates after we give the driver in the first example a chargeable claim, slightly worse credit, and a couple of points charged on her driving record. Due to the fact that every auto insurer uses their own calculation to set their prices, comparing quotes most likely will result in a completely different list of the cheapest Omaha car insurance companies as shown below.

Nationwide now has the best auto insurance rate in Omaha, NE with State Farm, General Casualty, American National, and USAA now rounding out the top five. This example illustrates why consumers need to take the time to shop around when trying to get the most affordable auto insurance rates for a Honda Civic.

Prices are determined by many different factors and can change without notice, so the most economical company the last time you shopped around may now be costing you a lot of money.

How to find cheaper insurance for a Honda Civic

It is possible to find better rates, and here are some of the recommended penny-pinching solutions that can help Nebraska drivers locate cheap auto insurance.

The last tip in the list is extremely significant, as we discussed in the prior information. Auto insurance rates in Omaha change frequently, so don’t be afraid to switch carriers if a lower-cost policy is available. Having a favorite company is fine, but is isn’t recommended if that loyalty ends up costing thousands of dollars over the life of your policy. Take a couple minutes and compare prices to find cheaper auto insurance for a Honda Civic.

The auto insurance agents in Omaha shown below are willing to help you decide which coverage meets your needs best, since some drivers aren’t sure which coverage they need and prefer to have the advice of a professional agent when trying to find the best insurance rates for a Civic. It can be hard to find the best policy yourself, so insurance agents licensed in the state of Nebraska can provide comfort knowing your coverage gives you decent coverage if you have a claim. To locate an Omaha auto insurance agent by location nearest to you, click the button after the list or click here to compare price quotes now.

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