What Car Insurance is Cheapest for a Honda Civic in Fresno?

Finding the best cheap insurance for a Honda Civic is dependent upon a pretty complex algorithm that uses a lot of factors such as your gender, the performance level of your vehicle, and your policy deductibles. Drivers pay approximately $2,004 each year to insure their Civic, but that cost is a projection calculated based on a 40-year-old single male driver with full comprehensive and collision coverage and $100 deductibles.

The issue with using an average estimated rate is the likelihood you may not be 40 years old (or even male), maybe you are married instead of single, or maybe you rent instead of own your home. Even a slight change in policy rating criteria or coverages can make a large difference in the cost of a policy.

There is no one cookie-cutter policy that works for everyone, so the best way to find the cheapest rates for your Honda is to do a thorough rate comparison. It takes less than five minutes and you can get prices from some of the most affordable companies around.

Cheapest Honda Civic Insurance Rates

The trim level of your Civic tends to have a direct effect on the yearly cost, so the rate you pay to insure a Civic DX 4-Dr Sedan model will be $700 cheaper than the cost to insure the more well-appointed Civic SI 2-Dr Coupe version, as shown by the rates below.

Honda Civic Insurance Rates in Fresno, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $324 $790 $534 $32 $160 $1,840 $153
Civic VP 4-Dr Sedan $324 $930 $534 $32 $160 $1,980 $165
Civic LX 4-Dr Sedan $324 $930 $534 $32 $160 $1,980 $165
Civic DX 2-Dr Coupe $324 $930 $668 $40 $200 $2,162 $180
Civic EX 4-Dr Sedan $324 $930 $534 $32 $160 $1,980 $165
Civic LX-S 4-Dr Sedan $324 $930 $534 $32 $160 $1,980 $165
Civic LX 2-Dr Coupe $324 $1072 $668 $40 $200 $2,304 $192
Civic EX-L 4-Dr Sedan $372 $1072 $534 $32 $160 $2,170 $181
Civic SI 4-Dr Sedan $372 $1072 $534 $32 $160 $2,170 $181
Civic EX 2-Dr Coupe $372 $1072 $668 $40 $200 $2,352 $196
Civic GX 4-Dr Sedan $372 $1072 $534 $32 $160 $2,170 $181
Civic EX-L 2-Dr Coupe $372 $1072 $668 $40 $200 $2,352 $196
Civic Hybrid 4-Dr Sedan $420 $930 $534 $32 $160 $2,076 $173
Civic SI 2-Dr Coupe $420 $1212 $668 $40 $200 $2,540 $212
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Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Premium costs do not factor in your specific Fresno location which can alter premium rates substantially.

Picking the top car insurance provider can be rather challenging considering how many companies are available to choose from in California. The ranking information below may help you select which companies to look at when comparing rate quotes. The ratings below include the largest auto insurers in America, so companies with more of a regional focus are not taken into consideration for this list.

Best 15 Auto Insurance Companies for a Honda Civic in Fresno
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
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Data Source: Insure.com Best Car Insurance Companies

Full coverage rates compared to liability-only

Paying a lower price for auto insurance is the goal of the majority of vehicle owners, and one good way to reduce the cost of insurance for a Honda Civic is to only buy liability coverage. The example below compares premium costs with and without full coverage. The premium estimates are based on no claims or violations, $100 deductibles, single status, and no policy discounts are applied.

If averaged out across all ages, comprehensive and collision coverage on your policy costs $4,047 per year more than just buying liability only. At some point, every insured wonders if paying for full coverage is worth it. There is no exact rule of when to stop paying for full coverage on your policy, but there is a general school of thought. If the yearly cost for physical damage coverage is 10% or more of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.

For example, let’s assume your vehicle’s book value is $4,500 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, you would only receive $3,500 after the policy deductible has been paid. If you are paying in excess of $350 annually for full coverage, then it might be time to buy liability only.

There are some scenarios where dropping full coverage is not a good plan. If you haven’t paid off your loan, you have to keep full coverage in order to prevent your loan from defaulting. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should keep full coverage.

Get discount Fresno insurance rates

Cheaper Fresno, CA auto insurance for a CivicInsurance providers that provide policies for a Honda Civic may provide policy discounts that could reduce prices by as much as 40% or more if you are eligible. Large auto insurance companies and some of the discounts are outlined below.

The illustration below visualizes the comparison of insurance prices with and without discounts being applied to the rates. The costs are based on a male driver, no violations or accidents, California state minimum liability limits, full coverage, and $250 deductibles.

The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with claim-free, marriage, multiple vehicle, passive restraint, multiple policy, and defensive driving course discounts applied. When discounts are applied, the average savings per year on auto insurance for a Honda Civic is 28% or $871.

If you aren’t sure which coverage to buy and prefer to have professional advice when trying to find the best insurance rates for a Honda Civic, the insurance agencies listed below are a good start to provide answers to your questions and help you determine which coverages are best.

To find a Fresno insurance agency close to where you live, click the button below the list or click here to compare prices now.

Leavitt Group
3245 W Figarden DrFresno, CA 93711(559) 256-2500

Walter L. Clark and Associates, Inc.
7673 N Ingram Ave #103Fresno, CA 93711(559) 222-0300

Farmers Insurance – Belen Sanchez-Ceja
2155 N Fresno St #AFresno, CA 93703(559) 252-2345

View more Fresno, CA insurance agencies

How to find budget-friendly auto insurance for a Honda Civic

The list below shows a few thrifty solutions that can help drivers find cheaper coverage.

The final tip is especially important, as was discussed in this write-up. Coverage rates change a lot, so don’t hesitate to buy from a new company if you can find a cheaper rate.

Staying with the same company for years is fine, but is isn’t recommended if that devotion results in you overpaying money that could be used for better things. It only take a few minutes to compare rates to find cheaper auto insurance for a Honda Civic in Fresno.