Cheapest Sample Rates
The cheapest sample rates for a 2023 Honda Civic in Massachusetts are $349 per year for minimum coverage from The Hanover in zip 01760. Safety Insurance offers full coverage at $852 per year. These quotes come from our analysis. Your actual price will change based on your age, driving record, mileage, coverage limits, and garaging address.
What Most Civic Owners Pay
Civic owners in Massachusetts pay an average of $2,096 per year for full coverage. This beats the national average of $2,697. Minimum coverage averages $649 per year statewide. A 2023 Civic costs less to insure than many cars. Nationwide, full coverage for a Civic runs about $1,480 per year. In Massachusetts, drivers often see $1,500 to $2,100 for full coverage. Rates in zip 01760 near Marlborough stay close to the state average.
Sample Provider Quotes
Here are sample quotes for a 2023 Honda Civic in Massachusetts:
| Provider | Coverage | Sample Annual Cost | Notes |
|---|---|---|---|
| The Hanover | Minimum liability | $349 | Lowest minimum in 01760 sample |
| Safety Insurance | Full coverage | $852 | Lowest full coverage in sample |
| GEICO | Full coverage | $1,212 | Strong discounts available |
| Quincy Mutual | Minimum liability | $1,143 | Varies by driver and location |
Why Your Price Might Differ
Insurers base rates on your garaging zip code, past accidents or tickets, annual miles driven, vehicle safety features, and deductibles you choose. Areas like Newton have lower rates than high-claim cities. If you finance your Civic, lenders require comprehensive and collision coverage. This boosts your premium over liability-only plans.
Tips to Get a Lower Rate
- Compare quotes from at least three providers: The Hanover, Safety Insurance, GEICO, and Quincy Mutual.
- Raise your deductible from $500 to $1,000. This cuts premiums by 5 to 15 percent.
- Bundle home and auto insurance. Carriers offer 10 to 25 percent savings.
- Join a telematics program if you drive safely and log low miles.
- Claim all discounts: multi-car, good student, pay in full, paperless, anti-theft.
- Match coverage to your needs. Stick to state minimums if you can pay repair costs out of pocket.
- Shop every 6 to 12 months. Rates and discounts shift often.
Sidekick tracks your Civic's insurance, maintenance, and fuel costs to help you cut total ownership expenses.