Finding the cheapest insurance for a Honda Civic in Nebraska can be a painful process, but you can use a few tricks to find lower rates. There is a better way to find car insurance online and we’ll show you the absolute fastest way to price shop coverage for a new or used Honda and obtain the cheapest rates from Omaha insurance agents and online providers.
It’s a great practice to get comparison quotes as often as possible since prices are rarely the same from one policy term to another. If you had the best rates on Honda Civic insurance in Omaha six months ago you may be paying too much now. You can find a lot of misleading information regarding Civic insurance online, but in just a couple of minutes you can learn a lot of great tips on how to stop overpaying for insurance in Omaha.
How to find affordable Honda Civic insurance in Omaha, NE
Finding a lower price on insurance doesn’t have to be difficult. You just need to take a couple of minutes comparing rates from online providers.
The following companies offer comparison quotes in Omaha, NE. To buy the best auto insurance in Omaha, NE, it’s a good idea that you click on several of them to get the best price comparison.
Honda Civic insurance charts and tables
The data table shown next covers a range of insurance prices for Honda Civic models. Understanding more about how car insurance prices are calculated is important to be able to make smart choices when buying a car insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $124 | $246 | $300 | $18 | $90 | $778 | $65 |
| Civic VP 4-Dr Sedan | $124 | $290 | $300 | $18 | $90 | $822 | $69 |
| Civic LX 4-Dr Sedan | $124 | $290 | $300 | $18 | $90 | $822 | $69 |
| Civic DX 2-Dr Coupe | $124 | $290 | $374 | $22 | $112 | $922 | $77 |
| Civic EX 4-Dr Sedan | $124 | $290 | $300 | $18 | $90 | $822 | $69 |
| Civic LX-S 4-Dr Sedan | $124 | $290 | $300 | $18 | $90 | $822 | $69 |
| Civic LX 2-Dr Coupe | $124 | $334 | $374 | $22 | $112 | $966 | $81 |
| Civic EX-L 4-Dr Sedan | $144 | $334 | $300 | $18 | $90 | $886 | $74 |
| Civic SI 4-Dr Sedan | $144 | $334 | $300 | $18 | $90 | $886 | $74 |
| Civic EX 2-Dr Coupe | $144 | $334 | $374 | $22 | $112 | $986 | $82 |
| Civic GX 4-Dr Sedan | $144 | $334 | $300 | $18 | $90 | $886 | $74 |
| Civic EX-L 2-Dr Coupe | $144 | $334 | $374 | $22 | $112 | $986 | $82 |
| Civic Hybrid 4-Dr Sedan | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| Civic SI 2-Dr Coupe | $162 | $376 | $374 | $22 | $112 | $1,046 | $87 |
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nebraska minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Price estimates do not factor in specific Omaha garaging location which can increase or decrease premiums considerably.
Higher deductibles save money
When buying car insurance, a common question is where should you set your physical damage deductibles. The comparison tables below may help you to understand the rate differences between high and low coverage deductibles. The first rate quote example uses a $250 deductible for comp and collision and the second pricing table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $202 | $390 | $300 | $18 | $90 | $1,025 | $85 |
| Civic VP 4-Dr Sedan | $202 | $460 | $300 | $18 | $90 | $1,095 | $91 |
| Civic LX 4-Dr Sedan | $202 | $460 | $300 | $18 | $90 | $1,095 | $91 |
| Civic DX 2-Dr Coupe | $202 | $460 | $374 | $22 | $112 | $1,195 | $100 |
| Civic EX 4-Dr Sedan | $202 | $460 | $300 | $18 | $90 | $1,095 | $91 |
| Civic LX-S 4-Dr Sedan | $202 | $460 | $300 | $18 | $90 | $1,095 | $91 |
| Civic LX 2-Dr Coupe | $202 | $530 | $374 | $22 | $112 | $1,265 | $105 |
| Civic EX-L 4-Dr Sedan | $232 | $530 | $300 | $18 | $90 | $1,195 | $100 |
| Civic SI 4-Dr Sedan | $232 | $530 | $300 | $18 | $90 | $1,195 | $100 |
| Civic EX 2-Dr Coupe | $232 | $530 | $374 | $22 | $112 | $1,295 | $108 |
| Civic GX 4-Dr Sedan | $232 | $530 | $300 | $18 | $90 | $1,195 | $100 |
| Civic EX-L 2-Dr Coupe | $232 | $530 | $374 | $22 | $112 | $1,295 | $108 |
| Civic Hybrid 4-Dr Sedan | $262 | $460 | $300 | $18 | $90 | $1,155 | $96 |
| Civic SI 2-Dr Coupe | $262 | $600 | $374 | $22 | $112 | $1,395 | $116 |
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| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $164 | $314 | $300 | $18 | $90 | $886 | $74 |
| Civic VP 4-Dr Sedan | $164 | $370 | $300 | $18 | $90 | $942 | $79 |
| Civic LX 4-Dr Sedan | $164 | $370 | $300 | $18 | $90 | $942 | $79 |
| Civic DX 2-Dr Coupe | $164 | $370 | $374 | $22 | $112 | $1,042 | $87 |
| Civic EX 4-Dr Sedan | $164 | $370 | $300 | $18 | $90 | $942 | $79 |
| Civic LX-S 4-Dr Sedan | $164 | $370 | $300 | $18 | $90 | $942 | $79 |
| Civic LX 2-Dr Coupe | $164 | $428 | $374 | $22 | $112 | $1,100 | $92 |
| Civic EX-L 4-Dr Sedan | $188 | $428 | $300 | $18 | $90 | $1,024 | $85 |
| Civic SI 4-Dr Sedan | $188 | $428 | $300 | $18 | $90 | $1,024 | $85 |
| Civic EX 2-Dr Coupe | $188 | $428 | $374 | $22 | $112 | $1,124 | $94 |
| Civic GX 4-Dr Sedan | $188 | $428 | $300 | $18 | $90 | $1,024 | $85 |
| Civic EX-L 2-Dr Coupe | $188 | $428 | $374 | $22 | $112 | $1,124 | $94 |
| Civic Hybrid 4-Dr Sedan | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| Civic SI 2-Dr Coupe | $212 | $484 | $374 | $22 | $112 | $1,204 | $100 |
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Premium costs do not factor in vehicle location which can impact rates noticeably.
We can estimate from the data above that using a $250 deductible would cost the average driver about $14 more each month or $168 every year than buying the higher $500 deductible. Since you would have to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you tend to go at least 18 months between claim filings, you would save more money by selecting a higher deductible.
Reckless driving habits raise car insurance rates
The example below highlights how speeding tickets and accident claims raise Honda Civic car insurance costs for each age group. The data assumes a married male driver, full physical damage coverage, $100 deductibles, and no other discounts are factored in.
Three main reasons to buy car insurance
Despite the high insurance cost for a Honda Civic in Omaha, insuring your vehicle is required in Nebraska but it also protects you in many ways.
- Just about all states have mandatory liability insurance requirements which means you are required to carry a specific minimum amount of liability in order to license the vehicle. In Nebraska 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 your Honda has a lienholder, almost every bank will require you to have full coverage to ensure the loan is repaid in case of a total loss. If you let the policy lapse, the lender may insure your Honda at a significantly higher premium and force you to pay for it.
- Car insurance protects both your assets and your Honda. It will also cover medical transport and hospital expenses for you, any passengers, and anyone injured in an accident. One of the most valuable coverages, liability insurance, also pays expenses related to your legal defense in the event you are sued. If damage is caused by hail or an accident, collision and comprehensive coverages will pay all costs to repair after the deductible has been paid.
The benefits of buying car insurance greatly outweigh the cost, especially for larger claims. According to a 2015 survey, the average American driver is overpaying more than $855 a year so compare rate quotes once a year at a minimum to help ensure money is not being wasted.
Why You Might Pay Increased Rates in Omaha
One of the most helpful ways to save on car insurance is to to have a grasp of some of the factors that are used to determine the price you pay for car insurance. If you have a feel for what impacts premium levels, this allows you to make good choices that could help you find cheaper rates.
The itemized list below are some of the major factors that factor into your prices.
Car plus home equals more savings – Lots of insurers will award lower prices to clients who have multiple policies with them, otherwise known as a multi-policy discount. The amount of the discounts can be ten percent or more. Even with this discount, it’s still a good idea to compare other Omaha Civic insurance rates to ensure the best deal.There is a good possibility that you can save even more than the discount even if you insure with multiple companies
Alarm systems save money – Choosing a vehicle with an alarm system can get you a discount on your car insurance. Anti-theft devices such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help stop your car from being stolen.
More annual miles equals more premium – The more you drive annually the higher the price you pay to insure it. Almost all companies calculate rates based upon how much you drive. Cars and trucks used primarily for pleasure use receive better premium rates compared to those used for work or business. Make sure your vehicle rating correctly shows the correct usage for each vehicle, because improper ratings can cost you money. A policy that improperly rates your Civic may be costing you.
More performance means higher premiums – The type of car you drive makes a huge difference in your auto insurance rates. The lowest base rates are for lower performance four cylinder passenger vehicles, but the cost you end up paying is determined by many additional factors.
The next chart uses these variables: single male driver age 20, full coverage with $500 deductibles, and no discounts or violations. It illustrates Honda Civic insurance rates compared to other makes and models that have different performance risks.
Always keep your car insurance in force – Going without insurance is a guaranteed way to trigger a rate increase. In addition to paying higher rates, failure to provide proof of insurance may earn you fines and jail time.
More traffic equals higher prices – Living in a small town is a positive aspect when buying car insurance. Residents of big cities have to deal with more aggressive driving styles and longer commutes to work. Fewer drivers and short commutes means a lower chance of having an accident in addition to fewer liability claims.
File policy claims and pay more – If you file a lot of claims you shouldn’t be surprised to get either higher rates or even cancellation. Car insurance companies in Nebraska award discounts to people who only file infrequent claims. Auto insurance is intended for the bigger claims that can’t be paid out-of-pocket.
Lower rates for safer vehicles – Vehicles that have high safety ratings are cheaper to insure. The safest vehicles result in less severe injuries and better occupant protection translates into savings for insurance companies and more competitive rates for policyholders. If your Honda Civic is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it may cost less to insure.
Honda Civic insurance claim data – Auto insurance companies take into consideration insurance loss statistics for every vehicle to help calculate premium prices. Vehicles that tend to have higher prevalence or dollar amount of losses will have higher rates. The data below shows the historical insurance loss data for Honda Civic vehicles.
For each type of coverage, the loss probability for all vehicles, regardless of make or model, is considered to be 100. Values that are below 100 mean the vehicle has better than average losses, while numbers above 100 indicate higher probability of having a loss or tendency to have larger claims.
| Vehicle 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
When in doubt talk to an agent
When it comes to buying the best car insurance coverage, there really isn’t a single plan that fits everyone. Everyone’s situation is a little different.
For example, these questions may help highlight whether you would benefit from professional advice.
- Does my Honda Civic need full coverage?
- How much will a speeding ticket raise my rates?
- Is my state a no-fault state?
- How high should my medical payments coverage be?
- Do I get a pro-rated refund if I cancel my policy early?
- When would I need additional glass coverage?
- Does my insurance cover my expensive audio equipment?
- What is roadside assistance coverage?
If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and can help protect your family.
Frequent quotes can save
Cheaper insurance in Omaha can be found from both online companies and with local Omaha insurance agents, so you should be comparing quotes from both to have the best selection. Some insurance providers may not have the ability to get a quote online and usually these regional insurance providers work with local independent agencies.
We just covered many ways to shop for Honda Civic insurance online. The most important thing to understand is the more quotes you get, the better chance you’ll have of finding affordable Omaha car insurance quotes. Drivers may even discover the most savings is with the least-expected company.
Consumers change insurance companies for any number of reasons including high rates after DUI convictions, questionable increases in premium, extreme rates for teen drivers or poor customer service. Regardless of your reason, finding a new insurance company can be easier than you think.
How to buy low-cost Honda Civic insurance in Omaha
If you want to save money, the best way to get the cheapest car insurance rates is to compare quotes annually from insurers in Omaha.
- Read about what coverages are included in your policy and the changes you can make to prevent high rates. Many risk factors that increase rates such as high-risk driving behaviors and a not-so-good credit score can be improved by making lifestyle changes or driving safer.
- Compare price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only provide price estimates from one company like Progressive and State Farm, while agents who are independent can provide prices for many different companies. Get quotes now
- Compare the new rate quotes to your existing rates to determine if switching companies saves money. If you can save some money and switch companies, ensure there is no coverage lapse between policies.
One piece of advice is to try to compare identical coverage information on each quote and and to get prices from as many carriers as you can. Doing this ensures an apples-to-apples comparison and the most accurate and complete price analysis.
Additional resources
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
- How Much is Omaha Car Insurance for Teenagers? (FAQ)
- Who Has Affordable Auto Insurance for Young Drivers in Omaha? (FAQ)
- Who Has the Cheapest Omaha Car Insurance Rates for Electric Cars? (FAQ)
- Who Has Cheap Omaha Auto Insurance Rates for Nurses? (FAQ)
- What Insurance is Cheapest for 19 Year Olds in Omaha? (FAQ)
- Vehicle Size and Weight FAQ (iihs.org)
- Information for Teen Drivers (GEICO)
- Cellphones, Texting and Driving (iihs.org)