Buying economical car insurance for a Honda Civic relies on a large number of factors such as whether you use your Civic for business use, the performance level of your vehicle, and driving citations. Drivers will pay on average $1,653 annually for Civic insurance, but that cost is calculated based on a 50-year-old single male driver with both comprehensive and collision coverage and $250 deductibles.
But there is a high probability that you aren’t exactly 50 years old or even a male, maybe you are married instead of single, or maybe you live in a different area as the quoted rates. Having even a minor difference in policy rating criteria or coverages may result in a big change in how much coverage for a Honda Civic costs.
There is no one cookie-cutter policy that works for everyone, so the only real way to find affordable rates for your Honda is to do your own rate comparisons.
Your vehicle’s trim level impacts the insurance rate, so the cost to insure a Civic DX 4-Dr Sedan model will be $560 lower than the cost to insure the fancier Civic SI 2-Dr Coupe trim level, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Civic DX 4-Dr Sedan||$256||$592||$500||$30||$150||$1,528||$127|
|Civic VP 4-Dr Sedan||$256||$698||$500||$30||$150||$1,634||$136|
|Civic LX 4-Dr Sedan||$256||$698||$500||$30||$150||$1,634||$136|
|Civic DX 2-Dr Coupe||$256||$698||$624||$36||$186||$1,800||$150|
|Civic EX 4-Dr Sedan||$256||$698||$500||$30||$150||$1,634||$136|
|Civic LX-S 4-Dr Sedan||$256||$698||$500||$30||$150||$1,634||$136|
|Civic LX 2-Dr Coupe||$256||$804||$624||$36||$186||$1,906||$159|
|Civic EX-L 4-Dr Sedan||$294||$804||$500||$30||$150||$1,778||$148|
|Civic SI 4-Dr Sedan||$294||$804||$500||$30||$150||$1,778||$148|
|Civic EX 2-Dr Coupe||$294||$804||$624||$36||$186||$1,944||$162|
|Civic GX 4-Dr Sedan||$294||$804||$500||$30||$150||$1,778||$148|
|Civic EX-L 2-Dr Coupe||$294||$804||$624||$36||$186||$1,944||$162|
|Civic Hybrid 4-Dr Sedan||$332||$698||$500||$30||$150||$1,710||$143|
|Civic SI 2-Dr Coupe||$332||$910||$624||$36||$186||$2,088||$174|
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Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Price information does not factor in specific zip code location which can decrease or increase price quotes substantially.
Insuring your vehicle with the right auto insurance provider is difficult considering how many different insurance companies sell coverage in California. The company rank data shown below may help you analyze which auto insurers to look at shopping your coverage with.
The rankings below are only comprised of insurance companies that insure vehicles in the majority of U.S. states, so companies that focus mainly on California business are not included in this list. If you would like to check rates from many more California auto insurance companies, simply click here.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
|AAA of Southern California||91||94||97||92%||A+||94.1|
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Data Source: Insure.com Best Car Insurance Companies
The information below highlights how deductible selection can impact yearly insurance costs when getting quotes for cheap insurance for a Honda Civic. The information is based on a single female driver, comp and collision included, and no other discounts are factored in.
In the chart above, a 30-year-old driver could pocket $526 a year by changing from a $100 deductible to a $500 deductible, or save $788 by using a $1,000 deductible. Even younger insureds, like the Age 20 chart data, could possibly save up to $1,186 every year by choosing larger deductibles on their policy. When raising deductibles, it will now be necessary to have additional funds squirreled away to allow you to cover the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.
You are probably paying too much for Civic insurance
California auto insurance rates are determined by lots of factors which can substantially change the cost of a policy. Simply improving your credit, buying higher coverage limits, or getting a DUI can trigger rate changes resulting in some rates now being more affordable than before.
Not only may your situation change, but car insurance companies change the rates they charge in California as often as every three months to adjust for gains or losses. Higher than normal claim frequency or severity may result in increased rates, while profitable underwriting can cause lower-priced Civic insurance rates.
The data below shows rates for the cheapest car insurance in Long Beach, CA for a 35-year-old female driver with no prior accidents, a clean driving record, and a good credit history. Based on her current risk factors, USAA quotes the most affordable car insurance rates in Long Beach at $1,397 a year. This is $254 less than the average price paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide are also included in the cheapest Long Beach, CA auto insurance companies.
In this next rate comparison, we will give the driver in the first example an accident surcharge, a lower credit rating, and a few blemishes on her driving record. Due to the fact that every auto insurer has a proprietary formula to set policy rates, comparing prices may now show a slightly different list of affordable companies as shown below.
Grange now has the best insurance rate in Long Beach with Mercury, Allstate, GEICO, and Progressive also having competitive pricing. This shows why drivers need to compare rates when trying to find the most economical insurance quotes for a Honda Civic.
Car insurance prices can be determined by many risk factors and change frequently, so the cheapest rate the last time you checked may now be quite expensive.