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.
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.
|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.
|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
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
Insurance 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.
- State Farm may include discounts for defensive driving training, safe vehicle, driver’s education, anti-theft, Steer Clear safe driver discount, and multiple policy.
- GEICO has discounts for defensive driver, anti-lock brakes, anti-theft, membership and employees, seat belt use, and driver training.
- SAFECO policyholders can earn discounts including anti-theft, teen safety rewards, safe driver, accident prevention training, anti-lock brakes, and teen safe driver.
- Farmers Insurance has savings for teen driver, distant student, homeowner, multi-car, bundle discounts, and business and professional.
- AAA may offer discounts for pay-in-full, good driver, anti-theft, education and occupation, good student, and multi-car.
- USAA offers premium reductions for vehicle storage, driver training, multi-policy, annual mileage, and defensive driver.
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.
3245 W Figarden Dr – Fresno, CA 93711 – (559) 256-2500
Walter L. Clark and Associates, Inc.
7673 N Ingram Ave #103 – Fresno, CA 93711 – (559) 222-0300
Farmers Insurance – Belen Sanchez-Ceja
2155 N Fresno St #A – Fresno, CA 93703 – (559) 252-2345
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.
- Accidents can significantly increase rates
- Don’t have frequent claims
- Buy a safer vehicle
- Clean up your credit rating
- Do not get tickets or violations
- Shop around for cheaper rates regularly
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.