Finding affordable auto insurance for a Honda Civic in Oregon doesn’t take too much effort, but it is dependent upon many rating factors such as how safe your vehicle is, whether you are claim-free, and any prior driving offenses. Drivers in Oregon pay on average $776 annually for Civic insurance, but that price is an estimate based on a 50-year-old married female driver with both comprehensive and collision coverage and $1,000 deductibles.
There’s a high likelihood you may not be 50 years old (or even female), you might be single instead of married, or maybe you have a teen driver on your policy that needs to be considered. Just a slight change in the criteria used to calculate rates may result in a big change in how much coverage for a Honda Civic costs.
Having different needs demonstrates why the best method for finding cheap insurance rates for your Honda is to put in the effort to do a thorough rate comparison.
Your vehicle’s trim level will likely have an effect on the coverage cost, so the price you pay to insure a Civic DX 4-Dr Sedan will be $248 less expensive the cost to insure the higher-end Civic SI 2-Dr Coupe model, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Civic DX 4-Dr Sedan||$102||$218||$300||$18||$90||$728||$61|
|Civic VP 4-Dr Sedan||$102||$256||$300||$18||$90||$766||$64|
|Civic LX 4-Dr Sedan||$102||$256||$300||$18||$90||$766||$64|
|Civic DX 2-Dr Coupe||$102||$256||$376||$22||$112||$868||$72|
|Civic EX 4-Dr Sedan||$102||$256||$300||$18||$90||$766||$64|
|Civic LX-S 4-Dr Sedan||$102||$256||$300||$18||$90||$766||$64|
|Civic LX 2-Dr Coupe||$102||$294||$376||$22||$112||$906||$76|
|Civic EX-L 4-Dr Sedan||$118||$294||$300||$18||$90||$820||$68|
|Civic SI 4-Dr Sedan||$118||$294||$300||$18||$90||$820||$68|
|Civic EX 2-Dr Coupe||$118||$294||$376||$22||$112||$922||$77|
|Civic GX 4-Dr Sedan||$118||$294||$300||$18||$90||$820||$68|
|Civic EX-L 2-Dr Coupe||$118||$294||$376||$22||$112||$922||$77|
|Civic Hybrid 4-Dr Sedan||$132||$256||$300||$18||$90||$796||$66|
|Civic SI 2-Dr Coupe||$132||$334||$376||$22||$112||$976||$81|
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Data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oregon minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Premium amounts do not factor in specific location which can increase or decrease insurance rates considerably.
Choosing the right insurer is difficult considering how many different companies sell coverage in Portland. The ranking data shown next could help you decide which insurers you want to consider purchasing a policy from.
These rankings are only comprised of companies who write in the majority of U.S. states, so companies with more of a regional focus are not included in this list. To get rate quotes from the insurers below and more, simply click here.
Top 10 Large Auto Insurance Providers in Portland Ranked by Value
- American Family
- The Hartford
- The General
- State Farm
- AAA Insurance
Top 10 Large Auto Insurance Providers in Portland Ranked by Claims Service
- State Farm
- AAA Insurance
- Liberty Mutual
- The Hartford
- The General
- 21st Century
The chart below highlights how deductible selection can change premium costs when researching cheap insurance for a Honda Civic. The premiums assume a single female driver, comp and collision included, and no additional discounts are factored in.
A 40-year-old driver could lower their policy premium by $382 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $574 by switching to a $1,000 deductible. Younger drivers, such as the 20-year-old example, could reduce their rates $988 each year by choosing a larger deductible amount. When insureds make the decision to increase the deductibles on their policy, it is essential to have additional savings on hand to be able to pay the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.
Low rates today, overpriced tomorrow
Portland auto insurance rates are impacted by many factors that control your annual premium. Improving your credit score, getting married, or getting a reckless driving citation can trigger rate changes that can make some companies cheaper than competitors. Not only may your risk profile change, but car insurance companies modify rates as often as every quarter to adjust for unexpected claims or profits. An unexpected high level of claims may result in high rates, while a better claims history can produce lower-cost Civic insurance rates.
For example, the graph below analyzes the cheapest car insurance in Portland, OR for a 35-year-old male driver with no accidents, a clean driving record, and good credit. If we compare prices based on his personal profile, Grange might quote the lowest car insurance rates in Portland at $905 annually. This is $573 less than the average rate paid by Oregon drivers of $1,478. Country, Oregon Mutual, Travelers, and USAA are the remaining cheapest Portland, OR auto insurance companies.
In the next rate comparison, we’ll give the driver in the first chart a chargeable claim, a lower credit rating, and a traffic citation. Since each company uses their own calculation for determining rates in each state, analyzing rates may now show a different ranking of affordable companies as shown below.
Amica now has the lowest car insurance rate in Portland, OR with GEICO, Oregon Mutual, Allied, and California Casualty completing the list. This example illustrates why it is important to compare lots of rates to find the best auto insurance rates for a Honda Civic.
Car insurance prices are impacted by many risk factors and can change without notice, so the lowest-price company when you last compared rates may now be costing you a lot of money.