The preferred way to get low-cost Honda Civic insurance in Baltimore is to compare prices once a year from insurance carriers who sell auto insurance in Maryland.
- Take a few minutes and learn about how auto insurance works and the things you can change to keep rates in check. Many factors that result in higher prices such as traffic tickets, fender benders, and a not-so-good credit score can be controlled by making lifestyle changes or driving safer. Later in this article we will cover more information to prevent rate hikes and find more discounts that you may not know about.
- Compare rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from one company like GEICO or Allstate, while agents who are independent can quote prices from multiple sources.
- Compare the new rates to the premium of your current policy and see if you can save money. If you find a lower rate quote and decide to switch, ensure coverage does not lapse between policies.
- Give notification to your agent or company of your intent to cancel your current policy and submit payment along with a signed and completed policy application for the new policy. Immediately upon receiving it, place your new proof of insurance certificate along with your vehicle registration.
A good piece of advice is that you’ll want to make sure you compare identical coverage information on every quote and and to get quotes from as many auto insurance providers as possible. This ensures the most accurate price comparison and the best price selection.
Anyone knows that insurance companies want to keep you from comparing prices. Insureds who compare other prices will probably buy a different policy because the odds are good of finding lower rate quotes. A study discovered that people who compared rates annually saved $3,500 over four years as compared to drivers who never shopped around for lower prices.
If finding the most affordable insurance is your objective, then having a good understanding the best ways to find and compare coverages can save time and make the process easier.
Get cheap Honda Civic insurance in Baltimore with discounts
The price of auto insurance can be rather high, but there are discounts available to help offset the cost. Some trigger automatically when you get a quote, but occasionally some discounts must be manually applied prior to getting the savings.
- Multiple Cars – Buying a policy with multiple vehicles on one policy can get a discount for every vehicle.
- Data Collection Discounts – Drivers who elect to allow companies to monitor vehicle usage remotely like In-Drive from State Farm and Progressive’s Snapshot might get better premium rates if their driving habits are good.
- Discount for Multiple Policies – If you combine your homeowners and auto policies with one company you could earn a discount of at least 10 to 15 percent or more.
- Baltimore Homeowners Pay Less – Simply owning a home may earn you a small savings because owning a home is proof that your finances are in order.
- Student in College – Any of your kids who are enrolled in a college that is more than 100 miles from Baltimore and do not have a car could qualify for this discount.
- Online Discount – A few larger online companies give back up to $50 simply for signing on your computer.
- Pay Upfront and Save – If you pay your entire premium ahead of time rather than paying monthly you can avoid monthly service charges.
- Professional Organizations – Joining certain professional organizations may earn a discount when getting a Baltimore auto insurance quote.
Remember that most discounts do not apply to all coverage premiums. The majority will only reduce specific coverage prices like comprehensive or collision. Just because it seems like you can get free auto insurance, that’s just not realistic. But all discounts should definitely cut the cost of your policy.
The chart below illustrates the difference between Honda Civic auto insurance costs with and without discounts applied to the policy premium. The premiums are based on a female driver, no accidents, no driving violations, Maryland state minimum liability limits, full 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, claim-free, multi-car, marriage, and homeowner discounts applied.
The best auto insurance companies and their offered discounts are:
- Mercury Insurance may have discounts that include location of vehicle, type of vehicle, annual mileage, multi-policy, multi-car, professional/association, and anti-theft.
- Farmers Insurance offers premium reductions for bundle discounts, mature driver, switch companies, early shopping, multi-car, and business and professional.
- Farm Bureau offers discounts including multi-policy, renewal discount, good student, safe driver, multi-vehicle, driver training, and youthful driver.
- State Farm offers discounts for multiple autos, good driver, passive restraint, multiple policy, good student, defensive driving training, and safe vehicle.
- Allstate has savings for utility vehicle, economy car, premier plus, defensive driver, farm vehicle, and new car.
- GEICO may include discounts for five-year accident-free, driver training, military active duty, emergency military deployment, defensive driver, and anti-lock brakes.
If you need affordable Baltimore auto insurance quotes, ask every prospective company what discounts are available to you. Savings might not be offered on policies in Baltimore.
Most larger insurance companies like State Farm and Allstate allow you to get pricing online. Comparing Honda Civic insurance rates online doesn’t take a lot of time as you simply type in your personal and coverage information into the quote form. Upon sending the form, the company’s rating system sends out for credit information and your driving record and returns pricing information based on these and other factors. Getting online price quotes for Honda Civic insurance in Baltimore makes comparing rates easy, and it is imperative to have as many quotes as possible if you want to find lower-cost auto insurance pricing.
To save time and get comparison pricing now, compare rates from the companies below. If you currently have coverage, we recommend that you enter deductibles and limits exactly as they are listed on your policy. Using the same limits helps guarantee you will get a fair comparison using the same coverage and limits.
The companies shown below can provide free rate quotes in Maryland. If you want the best cheap car insurance in Baltimore, it’s highly recommended you visit two to three different companies in order to get a fair rate comparison.
Statistics and details
The data table shown next covers a range of insurance costs for Honda Civic models. Having insight into how rate quotes are figured 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 | $268 | $608 | $492 | $30 | $148 | $1,546 | $129 |
| Civic VP 4-Dr Sedan | $268 | $716 | $492 | $30 | $148 | $1,654 | $138 |
| Civic LX 4-Dr Sedan | $268 | $716 | $492 | $30 | $148 | $1,654 | $138 |
| Civic DX 2-Dr Coupe | $268 | $716 | $614 | $36 | $184 | $1,818 | $152 |
| Civic EX 4-Dr Sedan | $268 | $716 | $492 | $30 | $148 | $1,654 | $138 |
| Civic LX-S 4-Dr Sedan | $268 | $716 | $492 | $30 | $148 | $1,654 | $138 |
| Civic LX 2-Dr Coupe | $268 | $824 | $614 | $36 | $184 | $1,926 | $161 |
| Civic EX-L 4-Dr Sedan | $308 | $824 | $492 | $30 | $148 | $1,802 | $150 |
| Civic SI 4-Dr Sedan | $308 | $824 | $492 | $30 | $148 | $1,802 | $150 |
| Civic EX 2-Dr Coupe | $308 | $824 | $614 | $36 | $184 | $1,966 | $164 |
| Civic GX 4-Dr Sedan | $308 | $824 | $492 | $30 | $148 | $1,802 | $150 |
| Civic EX-L 2-Dr Coupe | $308 | $824 | $614 | $36 | $184 | $1,966 | $164 |
| Civic Hybrid 4-Dr Sedan | $348 | $716 | $492 | $30 | $148 | $1,734 | $145 |
| Civic SI 2-Dr Coupe | $348 | $934 | $614 | $36 | $184 | $2,116 | $176 |
| Get Your Own Custom Quote Go | |||||||
Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Maryland minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Prices do not factor in garaging location in Baltimore which can alter coverage rates noticeably.
Comparison of policy deductibles
When buying car insurance, a common question is how high should your deductibles be. The tables below can help you visualize the premium difference between high and low policy deductibles. The first price estimate table uses a $250 physical damage coverage deductible and the second set of prices uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $274 | $528 | $406 | $24 | $122 | $1,379 | $115 |
| Civic VP 4-Dr Sedan | $274 | $624 | $406 | $24 | $122 | $1,475 | $123 |
| Civic LX 4-Dr Sedan | $274 | $624 | $406 | $24 | $122 | $1,475 | $123 |
| Civic DX 2-Dr Coupe | $274 | $624 | $508 | $30 | $152 | $1,613 | $134 |
| Civic EX 4-Dr Sedan | $274 | $624 | $406 | $24 | $122 | $1,475 | $123 |
| Civic LX-S 4-Dr Sedan | $274 | $624 | $406 | $24 | $122 | $1,475 | $123 |
| Civic LX 2-Dr Coupe | $274 | $718 | $508 | $30 | $152 | $1,707 | $142 |
| Civic EX-L 4-Dr Sedan | $314 | $718 | $406 | $24 | $122 | $1,609 | $134 |
| Civic SI 4-Dr Sedan | $314 | $718 | $406 | $24 | $122 | $1,609 | $134 |
| Civic EX 2-Dr Coupe | $314 | $718 | $508 | $30 | $152 | $1,747 | $146 |
| Civic GX 4-Dr Sedan | $314 | $718 | $406 | $24 | $122 | $1,609 | $134 |
| Civic EX-L 2-Dr Coupe | $314 | $718 | $508 | $30 | $152 | $1,747 | $146 |
| Civic Hybrid 4-Dr Sedan | $354 | $624 | $406 | $24 | $122 | $1,555 | $130 |
| Civic SI 2-Dr Coupe | $354 | $812 | $508 | $30 | $152 | $1,881 | $157 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $222 | $426 | $406 | $24 | $122 | $1,200 | $100 |
| Civic VP 4-Dr Sedan | $222 | $502 | $406 | $24 | $122 | $1,276 | $106 |
| Civic LX 4-Dr Sedan | $222 | $502 | $406 | $24 | $122 | $1,276 | $106 |
| Civic DX 2-Dr Coupe | $222 | $502 | $508 | $30 | $152 | $1,414 | $118 |
| Civic EX 4-Dr Sedan | $222 | $502 | $406 | $24 | $122 | $1,276 | $106 |
| Civic LX-S 4-Dr Sedan | $222 | $502 | $406 | $24 | $122 | $1,276 | $106 |
| Civic LX 2-Dr Coupe | $222 | $578 | $508 | $30 | $152 | $1,490 | $124 |
| Civic EX-L 4-Dr Sedan | $256 | $578 | $406 | $24 | $122 | $1,386 | $116 |
| Civic SI 4-Dr Sedan | $256 | $578 | $406 | $24 | $122 | $1,386 | $116 |
| Civic EX 2-Dr Coupe | $256 | $578 | $508 | $30 | $152 | $1,524 | $127 |
| Civic GX 4-Dr Sedan | $256 | $578 | $406 | $24 | $122 | $1,386 | $116 |
| Civic EX-L 2-Dr Coupe | $256 | $578 | $508 | $30 | $152 | $1,524 | $127 |
| Civic Hybrid 4-Dr Sedan | $288 | $502 | $406 | $24 | $122 | $1,342 | $112 |
| Civic SI 2-Dr Coupe | $288 | $654 | $508 | $30 | $152 | $1,632 | $136 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Maryland minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Premium costs do not factor in specific location which can impact price quotes greatly.
Based on these figures, using a $250 deductible will cost you about $18 more each month or $216 annually than opting for the higher $500 deductible. Due to the fact that you would have to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you average more than 14 months between claim filings, you would probably save some money by going with a higher deductible.
How accidents and violations affect rates
The example below highlights how speeding tickets and at-fault claims can raise Honda Civic insurance costs for each different age group. The rates are based on a single female driver, full coverage, $250 deductibles, and no discounts are factored in.
Difference between full coverage and liability only rates
The example below illustrates the comparison of Honda Civic insurance prices with full coverage and liability only. The costs are based on no claims or driving citations, $1,000 deductibles, marital status is single, and no additional discounts are factored in.
When to stop paying for full coverage
There is no exact formula for excluding full coverage, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than about 10% of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.
For example, let’s say your Honda Civic replacement cost is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would receive is $3,000 after paying your policy deductible. If you are currently paying more than $300 a year for comprehensive and collision coverage, then it might be time to buy liability only.
There are some conditions where only buying liability is not in your best interest. If you haven’t paid off your loan, you have to carry full coverage to protect the lienholder’s interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not eliminate full coverage.
Smart Buyers Save More
Many things are taken into consideration when premium rates are determined. Some of the criteria are obvious like an MVR report, but some are more transparent like where you live or your financial responsibility.
Listed below are just a few of the factors companies use to determine your rate level.
Raise deductibles and save – The deductibles you choose tell how much you are required to spend out-of-pocket in the event of a claim. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Some instances where coverage would apply could be collision with another vehicle, vandalism, and having a roll-over accident. The more of the claim the insured has to pay upfront, the less your company will charge you for insurance.
Never have coverage lapses – Driving your car without having proper coverage can get you a ticket and as a result your rates will increase for letting your insurance lapse for non-payment. In addition to paying higher premiums, the inability to provide proof of insurance could earn you fines or a revoked license. You will then be forced to prove you have insurance by filing a SR-22 with the Maryland DMV.
Having a spouse brings a discount – Having a significant other may save some money when shopping for auto insurance. Having a significant other usually means you are more financially stable and it’s statistically proven that married drivers tend to file fewer claims.
Pleasure use saves money – The more you drive your Honda in a year’s time the more you’ll pay to insure it. Almost all companies charge to insure your cars determined by how the vehicle is used. Autos that sit idle most of the time receive better premium rates than those used for commuting. An incorrectly rated Civic can result in significantly higher rates. Verify your auto insurance declarations sheet shows the proper vehicle usage.
Age of drivers – Older drivers are shown to be more cautious, file fewer claims, and tend to be get fewer driving tickets. Inexperience drivers tend to be easily distracted when behind the wheel therefore auto insurance rates are much higher.
The chart below uses these variables: single driver, full coverage with $500 deductibles, and no discounts or violations.
Bundle policies and save money – Many auto insurance companies will give lower prices to buyers who consolidate policies with them, otherwise known as a multi-policy discount. The amount of the discounts can be five, ten or even twenty percent. Even if you’re getting this discount drivers will still want to check prices from other companies to make sure you are getting the best deal.
Do thieves like your car? – Driving a car that has a built-in theft deterrent system can help bring down rates. Theft deterrent systems like OnStar, LoJack tracking, and tamper alarms can thwart your vehicle from being stolen.
Honda Civic insurance loss data – Insurers analyze past claim statistics to calculate a rate that offsets possible losses. Models that have increased claim numbers or amounts will have higher premium rates.
The table below shows the loss history for Honda Civic vehicles. For each type of coverage, the statistical loss for all vehicles combined as an average is equal to 100. Percentage numbers below 100 suggest losses that are better than average, while numbers above 100 point to more losses or a tendency for claims to be larger.
| Specific Honda 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
Local Baltimore insurance agencies and car insurance
Many drivers just want to go talk to an agent and that is OK! Most agents can answer important questions and help file insurance claims. One of the best bonuses of getting online price quotes is you can get lower prices and still choose a local agent.
For easy comparison, once you complete this short form, the coverage information is sent to companies in Baltimore who will give you quotes and help you find cheaper coverage. You won’t need to leave your house due to the fact that quote results will go straight to your inbox. If you wish to compare prices for a specific company, you can always navigate to their website and submit a quote form there.
Finding the right company should include more criteria than just the bottom line cost. Ask your prospective agent these questions:
- Is auto insurance their primary focus in Baltimore?
- Do they assist clients in filing claims?
- Do they get extra compensation for selling add-on coverages?
- Does the agency have a current Errors and Omissions policy?
- Do they review policy coverages at every renewal?
- Where would glass claims be handled in Baltimore?
- Will a damage claim use OEM or aftermarket replacement parts?
- Will you get a loaner vehicle if you car is being repaired?
Multiple types of auto insurance agents in Baltimore
If you would like to find a reliable insurance agency, there are two different types of agencies and how they can write your policy. Car insurance agencies can either be independent or exclusive depending on the company they work for. Either can insure your vehicles properly, but it is a good idea to know why they differ because it can impact the kind of agent you use.
Exclusive Insurance Agencies
These agents can usually just insure with one company such as Farmers Insurance and State Farm. They usually cannot provide rate quotes from other companies so they have to upsell other benefits. Exclusive agents are highly trained on the products they sell and that can be a competitive advantage.
Below is a list of exclusive insurance agencies in Baltimore who may provide you with price quote information.
Allstate Insurance Agency: Abernathy Michael
7696 Belair Rd – Baltimore, MD 21236 – (410) 426-5500 – View Map
Mindy Andreychek – State Farm Insurance Agent
8502 Harford Rd Ste B – Baltimore, MD 21234 – (410) 668-7600 – View Map
Nathan Scholze – State Farm Insurance Agent
101 St Helena Ave – Baltimore, MD 21222 – (410) 288-4120 – View Map
Independent Car Insurance Agencies
Independent agents are not restricted to one company so they can quote policies with any number of different companies and get the cheapest rates. To move your coverage to a new company, they simply move the coverage in-house and you don’t have to switch agencies.
When searching for an agent, it’s recommended you get some free quotes from a couple of independent agencies for maximum quote selection.
Shown below are independent insurance agents in Baltimore that are able to give rate quotes.
Mason and Carter Inc
23 South St – Baltimore, MD 21202 – (410) 539-6767 – View Map
Concrete Insurance
6405 Belair Rd – Baltimore, MD 21206 – (410) 433-0313 – View Map
Nationwide Insurance: Luray and Associates Inc
1726 Reisterstown Rd #220 – Baltimore, MD 21208 – (410) 602-2636 – View Map
Choosing the best Civic insurance in Maryland is an important decision
Despite the potentially high cost of Honda Civic insurance, insuring your vehicle is required in Maryland but also provides important benefits.
- Most states have mandatory insurance requirements which means the state requires a specific minimum amount of liability protection in order to drive the car. In Maryland these limits are 30/60/15 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
- If you bought your Honda with a loan, it’s guaranteed your bank will stipulate that you have physical damage coverage to protect their interest in the vehicle. If you let the policy lapse, the lender may insure your Honda for a lot more money and force you to pay the higher price.
- Insurance safeguards not only your vehicle but also your financial assets. It will also cover most medical and hospital costs incurred in an accident. Liability coverage, the one required by state law, also covers legal expenses if anyone sues you for causing an accident. If your car is damaged in a storm or accident, comprehensive and collision coverage will pay to repair the damage minus the deductible amount.
The benefits of carrying adequate insurance definitely exceed the price paid, especially with large liability claims. On average, a vehicle owner in Baltimore overpays as much as $750 every year so compare quotes from several companies every year to ensure rates are inline.
Find cheaper insurance prices by comparing often
As you restructure your insurance plan, it’s very important that you do not skimp on coverage in order to save money. There have been many cases where someone dropped uninsured motorist or liability limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy enough coverage for the lowest price but still have enough coverage for asset protection.
In this article, we covered many tips how you can lower your Honda Civic insurance prices in Baltimore. The key thing to remember is the more providers you compare, the higher your chance of finding affordable Honda Civic insurance quotes. Consumers may even find the best prices are with a lesser-known regional company. They may cover specific market segments cheaper than the large multi-state companies such as Progressive or GEICO.
More detailed insurance information is available in the articles below:
- Vehicle Insurance (Wikipedia)
- Who Has the Cheapest Baltimore Car Insurance Quotes for a Honda Pilot? (FAQ)
- How Much are Baltimore Car Insurance Quotes for a Dodge Journey? (FAQ)
- How Much is Baltimore Car Insurance for a Company Car? (FAQ)
- Who Has the Cheapest Baltimore Car Insurance for a Toyota RAV4? (FAQ)
- Young Drivers: The High Risk Years Video (iihs.org)
- Eight Auto Insurance Myths (Insurance Information Institute)