How Much are Car Insurance Quotes for a Honda Civic in Albuquerque?

Buying competitive car insurance for a Honda Civic in New Mexico is pretty straightforward, but it is dependent upon many different factors such as your financial responsibility, your residence address, and your choice of physical damage deductibles. Drivers in New Mexico will pay on average $1,061 each year to insure their Civic, but that is a valuation calculated based on a 40-year-old single female driver with full physical damage coverage and $1,000 deductibles.

The problem with using this number is the good chance you’re not a 40-year-old female, you might be married instead of single, and you want different coverage limits than the example. Just a very minor change in rating variables can make a large difference in the price of a policy.

Not everyone needs the same coverages, so the best method for finding the cheapest insurance price for your Honda is to put in the effort to do a thorough rate comparison. It’s really quite easy you will receive rate quotes from some of the best companies available.

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The trim level of your vehicle impacts the cost of coverage, so the price you will pay to insure a Civic DX 4-Dr Sedan trim level will be $340 less expensive the price to insure the fancier Civic SI 2-Dr Coupe model, as shown below.

Honda Civic Insurance Rates in Albuquerque, NM
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $128 $298 $418 $24 $126 $994 $83
Civic VP 4-Dr Sedan $128 $352 $418 $24 $126 $1,048 $87
Civic LX 4-Dr Sedan $128 $352 $418 $24 $126 $1,048 $87
Civic DX 2-Dr Coupe $128 $352 $524 $30 $156 $1,190 $99
Civic EX 4-Dr Sedan $128 $352 $418 $24 $126 $1,048 $87
Civic LX-S 4-Dr Sedan $128 $352 $418 $24 $126 $1,048 $87
Civic LX 2-Dr Coupe $128 $404 $524 $30 $156 $1,242 $104
Civic EX-L 4-Dr Sedan $148 $404 $418 $24 $126 $1,120 $93
Civic SI 4-Dr Sedan $148 $404 $418 $24 $126 $1,120 $93
Civic EX 2-Dr Coupe $148 $404 $524 $30 $156 $1,262 $105
Civic GX 4-Dr Sedan $148 $404 $418 $24 $126 $1,120 $93
Civic EX-L 2-Dr Coupe $148 $404 $524 $30 $156 $1,262 $105
Civic Hybrid 4-Dr Sedan $166 $352 $418 $24 $126 $1,086 $91
Civic SI 2-Dr Coupe $166 $458 $524 $30 $156 $1,334 $111
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Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and New Mexico minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Information does not factor in the specific area where the vehicle is garaged which can affect insurance rates greatly.

Selecting the highest-rated company can be rather challenging considering how many companies there are to choose from in Albuquerque. The ranking information shown below could help you decide which car insurance companies you want to consider putting your business with. The rankings below only include companies who write in the majority of U.S. states, so companies without a large exposure are not factored into these rankings.

Top 15 Insurance Companies for a Honda Civic in New Mexico
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
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Data Source: Best Car Insurance Companies

Full coverage rates compared to liability only

Saving on insurance should be important to the majority of vehicle owners, and a great way to reduce the cost of insurance for a Honda Civic is to only buy liability coverage. The information below shows the comparison of auto insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The price estimates are based on no claims, a clean driving record, $1,000 deductibles, drivers are single, and no policy discounts are applied.

As an average, physical damage insurance costs $1,776 per year more than just insuring for liability. That amount may make you wonder if physical damage coverage is worth the money. There is no exact rule to drop physical damage insurance, but there is a general guideline. If the annual cost of coverage is more than about 10% of the settlement you would receive from your company, then you might consider buying liability only.

Types of discounts on Albuquerque auto insurance

Save on insurance for a Civic in AlbuquerqueInsurance companies that offer quotes for a Honda Civic may provide rate discounts that could potentially reduce rates by 30% or more if you meet specific criteria. The best insurance companies and some of the premium reductions they offer can be read below.

The information below shows the difference between auto insurance costs with and without discounts applied. The premium estimates are based on a female driver, no violations or accidents, New Mexico state minimum liability limits, full physical damage coverage, and $500 deductibles.

The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with marriage, claim-free, anti-theft, homeowner, accident-free, and multiple policy discounts applied. In this example, the average savings per year on insurance for a Honda Civic is 28% or $535.

How to find economical insurance for a Honda Civic

It is possible to find better rates, and here are some of the better thrifty suggestions that can help drivers locate cheaper car insurance.

The final tip is remarkably important, as we discussed in this article. Car insurance rates vary greatly, so don’t be unwilling to buy a policy from a new company if a better rate can be found. Having a favorite company is fine, but it isn’t a good idea if it’s costing you a considerable chunk of change every month. If you have a few minutes, compare prices to find cheaper car insurance for a Honda Civic in Albuquerque.