How many years has it been since you compared more affordable Honda Civic insurance in Atlanta? Being forced to pay for high-priced insurance premiums can take a big chunk out of your budget and make it tough to pay other bills.

Insurance for Honda CivicA study showed that 70% of consumers have been with the same company for over three years, and nearly half have never compared rate quotes at all. Most drivers in Georgia could save approximately $960 a year just by comparing rates, but they don't believe how much savings they would realize if they switched to a cheaper policy.

There is such a variety of insurance companies to choose from, and although it's nice to have a selection, more options can take longer to compare rates for Honda Civic insurance in Atlanta.

It's a good habit to quote other rates periodically because rates are variable and change quite frequently. If you had the best rate on Honda Civic insurance in Atlanta last year you will most likely find a better price today. Block out anything you think you know about insurance because you're about to find out the fastest way to find the best coverage while lowering your premiums.

Buying the lowest-priced insurance coverage in Atlanta is easy if you know what you're doing. In a nutshell, everyone who is required to buy insurance will find a better price. Although Georgia car owners do need to know the way insurance companies determine prices because rates are impacted by many factors.

Auto insurance policy discounts for Honda Civic insurance in Atlanta

Some insurance providers do not advertise all their discounts in an easy-to-find place, so we break down a few of the more common in addition to some of the lesser obvious auto insurance savings.Auto insurance discounts

Just know that most discount credits are not given to the overall cost of the policy. Most only reduce the cost of specific coverages such as medical payments or collision. So when the math indicates you could get a free auto insurance policy, you aren't that lucky.

A list of companies and a selection of discounts can be read below.

When comparing rates, check with all companies you are considering how you can save money. All car insurance discounts might not be offered in your state. To locate providers that can offer you the previously mentioned discounts in Atlanta, click here to view.

It's important to know that comparing a large number of companies helps you find more affordable insurance.

The companies shown below are ready to provide price quotes in Georgia. If multiple companies are shown, we recommend you click on several of them to get the best price comparison.

Honda Civic Insurance Price Estimates in Atlanta, GA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $228 $528 $444 $26 $134 $1,360 $113
Civic VP 4-Dr Sedan $140 $372 $444 $26 $134 $1,116 $93
Civic LX 4-Dr Sedan $336 $720 $516 $30 $154 $1,756 $146
Civic DX 2-Dr Coupe $158 $430 $640 $38 $192 $1,458 $122
Civic EX 4-Dr Sedan $196 $448 $406 $24 $122 $1,196 $100
Civic LX-S 4-Dr Sedan $186 $380 $516 $30 $154 $1,266 $106
Civic LX 2-Dr Coupe $140 $428 $556 $32 $166 $1,322 $110
Civic EX-L 4-Dr Sedan $240 $550 $402 $24 $120 $1,336 $111
Civic SI 4-Dr Sedan $144 $362 $370 $22 $110 $1,008 $84
Civic EX 2-Dr Coupe $212 $578 $556 $32 $166 $1,544 $129
Civic GX 4-Dr Sedan $294 $680 $402 $24 $120 $1,520 $127
Civic EX-L 2-Dr Coupe $332 $954 $596 $36 $178 $2,096 $175
Civic Hybrid 4-Dr Sedan $254 $448 $406 $24 $122 $1,254 $105
Civic SI 2-Dr Coupe $374 $1080 $596 $36 $178 $2,264 $189
Get Your Own Custom Quote Go

Price data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Georgia minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Premium costs do not factor in garaging location in Atlanta which can revise prices considerably.

Honda Civic liability-only versus full coverage

The illustration below shows the difference between Honda Civic car insurance costs with full physical damage coverage and with liability coverage only. The price estimates are based on no claims or driving citations, $1,000 deductibles, married female driver, and no other discounts are factored in.

Deciding between full coverage and liability only

There is no definitive guideline for eliminating comprehensive and collision coverage on your policy, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is more than about 10% of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.

For example, let's assume your Honda Civic book value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most your company will settle for is $2,000 after paying the physical damage deductible. If you are currently paying more than $200 annually to have full coverage, the it may be a good time to stop paying for full coverage.

There are some cases where eliminating full coverage is not a good plan. If you still owe a portion of the original loan, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should not eliminate full coverage.

Deductible comparison

When buying auto insurance, a common question is how high should the deductibles for physical damage be. The premium rates below sum up the costs and benefits of buying low and high policy deductibles. The first set of rates uses a $250 comprehensive and collision deductible and the second price grid uses a $1,000 deductible.

Honda Civic insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $264 $512 $394 $24 $118 $1,337 $111
Civic VP 4-Dr Sedan $264 $604 $394 $24 $118 $1,429 $119
Civic LX 4-Dr Sedan $264 $604 $394 $24 $118 $1,429 $119
Civic DX 2-Dr Coupe $264 $604 $492 $30 $148 $1,563 $130
Civic EX 4-Dr Sedan $264 $604 $394 $24 $118 $1,429 $119
Civic LX-S 4-Dr Sedan $264 $604 $394 $24 $118 $1,429 $119
Civic LX 2-Dr Coupe $264 $694 $492 $30 $148 $1,653 $138
Civic EX-L 4-Dr Sedan $304 $694 $394 $24 $118 $1,559 $130
Civic SI 4-Dr Sedan $304 $694 $394 $24 $118 $1,559 $130
Civic EX 2-Dr Coupe $304 $694 $492 $30 $148 $1,693 $141
Civic GX 4-Dr Sedan $304 $694 $394 $24 $118 $1,559 $130
Civic EX-L 2-Dr Coupe $304 $694 $492 $30 $148 $1,693 $141
Civic Hybrid 4-Dr Sedan $344 $604 $394 $24 $118 $1,509 $126
Civic SI 2-Dr Coupe $344 $786 $492 $30 $148 $1,825 $152
Get Your Own Custom Quote Go
Honda Civic insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $164 $322 $394 $24 $118 $1,022 $85
Civic VP 4-Dr Sedan $164 $380 $394 $24 $118 $1,080 $90
Civic LX 4-Dr Sedan $164 $380 $394 $24 $118 $1,080 $90
Civic DX 2-Dr Coupe $164 $380 $492 $30 $148 $1,214 $101
Civic EX 4-Dr Sedan $164 $380 $394 $24 $118 $1,080 $90
Civic LX-S 4-Dr Sedan $164 $380 $394 $24 $118 $1,080 $90
Civic LX 2-Dr Coupe $164 $438 $492 $30 $148 $1,272 $106
Civic EX-L 4-Dr Sedan $188 $438 $394 $24 $118 $1,162 $97
Civic SI 4-Dr Sedan $188 $438 $394 $24 $118 $1,162 $97
Civic EX 2-Dr Coupe $188 $438 $492 $30 $148 $1,296 $108
Civic GX 4-Dr Sedan $188 $438 $394 $24 $118 $1,162 $97
Civic EX-L 2-Dr Coupe $188 $438 $492 $30 $148 $1,296 $108
Civic Hybrid 4-Dr Sedan $212 $380 $394 $24 $118 $1,128 $94
Civic SI 2-Dr Coupe $212 $494 $492 $30 $148 $1,376 $115
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Rate information does not factor in vehicle garaging location which can affect insurance rates greatly.

Based on this data, we can arrive at the conclusion that using a $250 deductible costs about $31 more each month or $372 for a full year than opting for the higher $1,000 deductible. Since you would pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you have more than 24 months between claim filings, you would probably be better off by selecting a higher deductible.

What insurance coverages do I need?

When choosing coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone's situation is unique and your insurance should unique, too.Safe vehicles cost less to insure These are some specific questions might help in determining if you would benefit from an agent's advice.

If it's difficult to answer those questions, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance companies in your area.

Local Atlanta car insurance agents and auto insurance

A lot of people would rather have an agent's advice and often times that is recommended A nice benefit of price shopping on the web is you may find lower premium rates and still choose a local agent. Buying from local insurance agents is definitely important in Atlanta.

Atlanta insurance agentsTo help locate an agent, after submitting this short form, your information is submitted to local insurance agents in Atlanta who can give free rate quotes to get your business. You don't have to drive around because prices are sent to your email. Get lower rates without a big time investment. If you need to compare prices for a specific company, just find their quoting web page and submit a quote form there.

When researching a local Atlanta insurance agent, you should know the different types of agencies and how they can service your needs differently. Auto insurance agents can be classified as either independent or exclusive.

Independent Auto Insurance Agencies

These type of agents are not employed by one company and that gives them the ability to insure amongst many companies and possibly get better coverage at lower prices. If you are not satisfied with one company, the agent simply finds a different carrier and you don't have to switch agencies.

When shopping rates, you definitely need to include rate quotes from multiple independent agents for maximum quote selection.

Shown below are independent agents in Atlanta that may be able to give you comparison quotes.


4401 Northside Pkwy NW #311 - Atlanta, GA 30327 - (404) 550-3448 - View Map


1117 Perimeter Center W - Atlanta, GA 30338 - (770) 396-9600 - View Map


1100 Cir 75 Pkwy SE #140 - Atlanta, GA 30339 - (800) 634-2903 - View Map

View more Atlanta agents

Exclusive Auto Insurance Agents

Exclusive agencies can usually just insure with one company such as AAA, Allstate, State Farm, or Farmers Insurance. They are unable to compare rates from other companies so it's a take it or leave it situation. Exclusive insurance agents are highly trained on what they offer and that enables them to sell even at higher rates.

The following are exclusive agents in Atlanta who can help you get price quotes.


3041 N E Expy - Atlanta, GA 30341 - (770) 452-1485 - View Map


1776 Peachtree St NE #346s - Atlanta, GA 30309 - (404) 817-0960 - View Map


3145 Peachtree Rd #197 - Atlanta, GA 30305 - (404) 814-0071 - View Map

View more Atlanta agents

Finding the right car insurance agent needs to be determined by more than just the premium amount. Below are some questions you should ask.

Once you have acceptable answers to these questions and an affordable coverage quote, chances are good that you have found a car insurance agent that will insure your vehicles. Just understand that you can terminate coverage at any point so don't think that you are permanently stuck with any specific agency with no way to switch.

More comparisons equals affordable rates

We covered some good ideas how you can shop for Honda Civic insurance online. It's most important to understand that the more companies you get rates for, the higher your chance of finding the cheapest Honda Civic rate quotes. You may even discover the biggest savings come from an unexpected company. They may cover specific market segments cheaper than their larger competitors like GEICO and State Farm.

Cheaper auto insurance in Atlanta can be bought online and from local agencies, and you should compare price quotes from both so you have a total pricing picture. Some insurance providers may not provide online quoting and these smaller providers only sell coverage through independent insurance agencies.

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