If price shopping Seattle car insurance quotes online is new to you, chances are good that you are bewildered thanks to all the different types of companies offering coverage in Seattle.
Unbelievable but true according to a study the majority of drivers kept their policy with the same company for well over three years, and practically 40% of car insurance customers have never quoted rates to find cheaper coverage. Drivers in Washington could save as much as 40% every year, but they just assume it’s a time-consuming process to compare rates online.
It’s a good idea to compare rates once or twice a year because car insurance prices are usually higher with each renewal. Even if you think you had the lowest rates on Honda Civic insurance in Seattle six months ago you can probably find a better premium rate now. Ignore everything you know about car insurance because you’re going to learn the easiest way to find lower rates on car insurance.
If you have a current car insurance policy, you will most likely be able to lower your rates using the following tips. This information will instruct you on the best way to quote coverages and some tips to save money. Nevertheless, Washington drivers can benefit from knowing the way companies calculate your policy premium and take advantage of how the system works.
The quickest method to compare rates for Honda Civic insurance in Seattle takes advantage of the fact most larger insurance companies participate in a system to give you rate quotes. All consumers are required to do is spend a couple of minutes providing details like an estimate of your credit level, if you lease or own, what your job is, and deductibles desired. Your details is instantly sent to multiple companies and they respond with quotes instantly to find the best rate.
To compare rates for your Honda Civic now, click here and enter your coverage details.
The companies in the list below are ready to provide price quotes in Seattle, WA. If multiple companies are listed, we recommend you click on several of them to find the lowest auto insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $190 | $448 | $310 | $18 | $92 | $1,058 | $88 |
| Civic VP 4-Dr Sedan | $162 | $364 | $294 | $18 | $88 | $926 | $77 |
| Civic LX 4-Dr Sedan | $192 | $444 | $300 | $18 | $90 | $1,044 | $87 |
| Civic DX 2-Dr Coupe | $106 | $278 | $386 | $22 | $116 | $908 | $76 |
| Civic EX 4-Dr Sedan | $184 | $364 | $386 | $22 | $116 | $1,072 | $89 |
| Civic LX-S 4-Dr Sedan | $156 | $358 | $300 | $18 | $90 | $922 | $77 |
| Civic LX 2-Dr Coupe | $226 | $520 | $482 | $28 | $144 | $1,400 | $117 |
| Civic EX-L 4-Dr Sedan | $228 | $520 | $294 | $18 | $88 | $1,148 | $96 |
| Civic SI 4-Dr Sedan | $244 | $702 | $384 | $22 | $114 | $1,466 | $122 |
| Civic EX 2-Dr Coupe | $220 | $510 | $376 | $22 | $112 | $1,240 | $103 |
| Civic GX 4-Dr Sedan | $282 | $764 | $398 | $24 | $120 | $1,588 | $132 |
| Civic EX-L 2-Dr Coupe | $282 | $764 | $498 | $30 | $148 | $1,722 | $144 |
| Civic Hybrid 4-Dr Sedan | $202 | $358 | $300 | $18 | $90 | $968 | $81 |
| Civic SI 2-Dr Coupe | $286 | $724 | $498 | $30 | $148 | $1,686 | $141 |
| Get Your Own Custom Quote Go | |||||||
Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Washington minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Price estimates do not factor in zip code location which can lower or raise price quotes greatly.
Analysis of deductible levels
One of the more difficult decisions when buying car insurance is how high should the physical damage deductibles be. The tables below highlight the cost difference when you choose different comp and collision deductibles. The first rate estimation uses a $100 physical damage deductible and the second price table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $222 | $458 | $294 | $18 | $88 | $1,105 | $92 |
| Civic VP 4-Dr Sedan | $222 | $540 | $294 | $18 | $88 | $1,187 | $99 |
| Civic LX 4-Dr Sedan | $222 | $540 | $294 | $18 | $88 | $1,187 | $99 |
| Civic DX 2-Dr Coupe | $222 | $540 | $368 | $22 | $110 | $1,287 | $107 |
| Civic EX 4-Dr Sedan | $222 | $540 | $294 | $18 | $88 | $1,187 | $99 |
| Civic LX-S 4-Dr Sedan | $222 | $540 | $294 | $18 | $88 | $1,187 | $99 |
| Civic LX 2-Dr Coupe | $222 | $622 | $368 | $22 | $110 | $1,369 | $114 |
| Civic EX-L 4-Dr Sedan | $254 | $622 | $294 | $18 | $88 | $1,301 | $108 |
| Civic SI 4-Dr Sedan | $254 | $622 | $294 | $18 | $88 | $1,301 | $108 |
| Civic EX 2-Dr Coupe | $254 | $622 | $368 | $22 | $110 | $1,401 | $117 |
| Civic GX 4-Dr Sedan | $254 | $622 | $294 | $18 | $88 | $1,301 | $108 |
| Civic EX-L 2-Dr Coupe | $254 | $622 | $368 | $22 | $110 | $1,401 | $117 |
| Civic Hybrid 4-Dr Sedan | $286 | $540 | $294 | $18 | $88 | $1,251 | $104 |
| Civic SI 2-Dr Coupe | $286 | $704 | $368 | $22 | $110 | $1,515 | $126 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $162 | $310 | $294 | $18 | $88 | $872 | $73 |
| Civic VP 4-Dr Sedan | $162 | $364 | $294 | $18 | $88 | $926 | $77 |
| Civic LX 4-Dr Sedan | $162 | $364 | $294 | $18 | $88 | $926 | $77 |
| Civic DX 2-Dr Coupe | $162 | $364 | $368 | $22 | $110 | $1,026 | $86 |
| Civic EX 4-Dr Sedan | $162 | $364 | $294 | $18 | $88 | $926 | $77 |
| Civic LX-S 4-Dr Sedan | $162 | $364 | $294 | $18 | $88 | $926 | $77 |
| Civic LX 2-Dr Coupe | $162 | $420 | $368 | $22 | $110 | $1,082 | $90 |
| Civic EX-L 4-Dr Sedan | $186 | $420 | $294 | $18 | $88 | $1,006 | $84 |
| Civic SI 4-Dr Sedan | $186 | $420 | $294 | $18 | $88 | $1,006 | $84 |
| Civic EX 2-Dr Coupe | $186 | $420 | $368 | $22 | $110 | $1,106 | $92 |
| Civic GX 4-Dr Sedan | $186 | $420 | $294 | $18 | $88 | $1,006 | $84 |
| Civic EX-L 2-Dr Coupe | $186 | $420 | $368 | $22 | $110 | $1,106 | $92 |
| Civic Hybrid 4-Dr Sedan | $208 | $364 | $294 | $18 | $88 | $972 | $81 |
| Civic SI 2-Dr Coupe | $208 | $476 | $368 | $22 | $110 | $1,184 | $99 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Information does not factor in specific zip code location which can impact price quotes substantially.
Based on the figures above, using a $100 deductible costs an average of $23 more each month or $276 annually than buying the higher $500 deductible. Since you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you tend to go at a minimum 17 months between claim filings, you would most likely save money by going with a higher deductible. The table below shows an example of how this decision is made.
| Average monthly premium for $100 deductibles: | $107 |
| Average monthly premium for $500 deductibles (subtract): | – $84 |
| Monthly savings from raising deductible: | $23 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $23 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 17 months |
One thing to be aware of is that a higher deductible means you will have to cover more of the damage yourself when you do file a claim. That will require some extra savings in order to pay more to get your vehicle repaired.
Where to set your deductibles
The illustration below shows how choosing a deductible and can change Honda Civic premium costs for each age group. The premium estimates are based on a married male driver, full physical damage coverage, and no discounts are applied to the premium.
Comparison of car insurance rates by gender
The diagram below shows the comparison of Honda Civic car insurance costs for male and female drivers. The rate quotes are based on no claims or driving citations, full coverage, $250 deductibles, drivers are not married, and no discounts are applied to the premium.
How do I know if I need professional advice?
Always keep in mind that when comparing coverage, there really isn’t a “perfect” insurance plan. Everyone’s needs are different.
These are some specific questions may help highlight if your situation would benefit from professional advice.
- When does my teenage driver need to be added to my policy?
- How does medical payments coverage work?
- Am I covered when driving on a suspended license?
- Does my insurance cover a custom paint job?
- Where can I find high-risk insurance?
- Are rock-chip repairs free?
- Should I waive the damage coverage when renting a car?
- Do I have any recourse if my insurance company denies a claim?
- Should I rate my Honda Civic as pleasure use or commute?
- If I use my vehicle for business use is it covered?
If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form.
What if I want to buy from local Seattle car insurance agents?
Certain consumers still prefer to visit with an insurance agent and that is a personal choice. A good thing about comparing rate quotes online is that you can find cheaper car insurance rates and still choose a local agent. Buying from local agents is important particularly in Seattle.
After filling out this short form, your insurance coverage information is sent to participating agents in Seattle who will return price quotes for your auto insurance coverage. There is no reason to even leave your home because quoted prices will be sent to you directly. You’ll get the best rates and work with a local agent. If you have a need to get a price quote for a specific company, just navigate to their website to submit a rate quote request.
If you want a good insurance agency, it’s helpful to know the different agency structures and how they differ in how they can insure your vehicles. Agents can either be independent (non-exclusive) or exclusive.
Independent Insurance Agents
Agents that elect to be independent are not locked into one company and that is an advantage because they can write policies with multiple insurance companies and help determine which has the cheapest rates. If premiums increase, an independent agent can move your coverage without you having to go to a different agency. When shopping rates, we recommend you include at a minimum one independent agency to ensure the widest selection of prices. Most also write with smaller companies that can offer cheaper rates than bigger companies.
Featured below are independent agents in Seattle who may be able to give you cheap rate quotes.
- Christopher Togawa Insurance Agency
222 Etruria St # 110 – Seattle, WA 98109 – (206) 838-9450 – View Map - Sav-On Insurance
9614 17th Ave SW – Seattle, WA 98106 – (206) 767-7444 – View Map - Michael Wong Insurance
1200 Westlake Ave N #607 – Seattle, WA 98109 – (206) 284-0171 – View Map
Exclusive Agencies
Agents that elect to be exclusive can only provide pricing for a single company like American Family, State Farm, and Allstate. They are unable to give you multiple price quotes so keep that in mind. Exclusive agents receive a lot of sales training on the products they sell which helps offset the inability to provide other markets. A lot of people buy from the same agent for years primarily because of the brand legacy and the convenience of having all coverages with one company.
The following are Seattle exclusive agencies that can give you rate quotes.
- Jeffrey Taylor – State Farm Insurance Agent
4850 Rainier Ave S – Seattle, WA 98118 – (206) 725-8008 – View Map - Allstate Insurance: Carmelita Strong
5959 Martin Luther King Jr Way S – Seattle, WA 98118 – (206) 725-8969 – View Map - Andy Hubbard – State Farm Insurance Agent
1515 NW 52nd St a – Seattle, WA 98107 – (206) 789-4211 – View Map
Choosing the best auto insurance agent needs to be determined by more than just a low price. Any agent in Seattle should be willing to answer these questions.
- Do they specialize in personal lines coverage in Seattle?
- Do they prorate repair cost based on vehicle mileage?
- Is assistance available after office hours?
- Did they already check your driving record and credit reports?
- Will they make sure you get an adequate claim settlement?
- What is their Better Business Bureau rating?
- Is their price quote a firm figure or are their hidden costs?
- If your car is in the repair shop, do you have coverage for a rental car?