Having been an Allstate customer with zero claims for 13 years and after staying with Allstate for one additional full year after purchasing my 2006 HCH, I finally decided to shop around. I faxed 28 agents, 14 different companies were represented. The winner by a long shot... GEICO. They had NO difference in Hybrid vs Non-Hybrid premium and were 38% LESS than Allstate! Some were within 10% of Geico, but for us the Gecko/Caveman Company was the lowest.

**Note: I approached Allstate Corporate to match Geico and they declined. Their reasoning was that Hybrid accidents are still unknown and the HCH is a compact rating, causing more serious injuries in a crash. They declined to answer if the Civic Hybrid rate was higher than the regular Civic.