Finding cheaper coverage for a Honda Civic is normally pretty easy, but it relies on an enormous amount of factors such as whether you are male or female, the size of your vehicle, and violations on your driving record. California drivers pay on average $1,193 a year to insure their Civic, but that amount is calculated using a 40-year-old married male driver with full comprehensive and collision coverage and $1,000 deductibles.
More likely than not, you’re not a 40-year-old male, maybe you are single instead of married, or maybe you prefer to not insure for full coverage. Car insurance coverage is unique to each driver, so this is why the only way to find cheap car insurance rates for your Honda is to do a thorough rate comparison. To start saving now, get free quotes and you can get prices from top-rated companies available.
Vehicle trim level tends to impact the yearly cost, so the price to insure a Civic DX 4-Dr Sedan model will be $380 less expensive the price to insure the more costly Civic SI 2-Dr Coupe trim level, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Civic DX 4-Dr Sedan||$168||$332||$456||$26||$136||$1,118||$93|
|Civic VP 4-Dr Sedan||$168||$392||$456||$26||$136||$1,178||$98|
|Civic LX 4-Dr Sedan||$168||$392||$456||$26||$136||$1,178||$98|
|Civic DX 2-Dr Coupe||$168||$392||$568||$34||$170||$1,332||$111|
|Civic EX 4-Dr Sedan||$168||$392||$456||$26||$136||$1,178||$98|
|Civic LX-S 4-Dr Sedan||$168||$392||$456||$26||$136||$1,178||$98|
|Civic LX 2-Dr Coupe||$168||$452||$568||$34||$170||$1,392||$116|
|Civic EX-L 4-Dr Sedan||$192||$452||$456||$26||$136||$1,262||$105|
|Civic SI 4-Dr Sedan||$192||$452||$456||$26||$136||$1,262||$105|
|Civic EX 2-Dr Coupe||$192||$452||$568||$34||$170||$1,416||$118|
|Civic GX 4-Dr Sedan||$192||$452||$456||$26||$136||$1,262||$105|
|Civic EX-L 2-Dr Coupe||$192||$452||$568||$34||$170||$1,416||$118|
|Civic Hybrid 4-Dr Sedan||$216||$392||$456||$26||$136||$1,226||$102|
|Civic SI 2-Dr Coupe||$216||$510||$568||$34||$170||$1,498||$125|
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Cost estimates assume married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Rates do not factor in your specific San Diego location which can revise coverage rates greatly.
Finding reliable, cost effective auto insurance is hard enough, and deciding which insurers offer the most affordable car insurance rates for a Honda Civic takes more quotes for comparison. Every auto insurer has their own guidelines for determining rates, so first let’s look at the rankings for the lowest cost car insurance companies in San Diego, CA.
It’s important to know that San Diego, CA car insurance rates are impacted by many factors which can significantly increase or decrease your annual premium. This price fluctuation is why California drivers need to take the time to shop around when trying to get the best car insurance quotes for a Honda Civic. Insurance prices are determined by many factors and can decrease or increase without notice, so the best company six months ago may now be wasting a lot of money.
Find the Cheapest Car Insurance for Your Honda
USAA offers some of the cheapest car insurance rates in San Diego at around $1,143 annually. Century National, CSAA, Wawanesa, and Nationwide also make the cut as some of the more affordable San Diego, CA insurance companies.
As the rates illustrate above, if you are a customer of Wawanesa and switched to USAA, you could earn an annual savings of in the vicinity of $49. Policyholders with Nationwide could save as much as $83 a year, and 21st Century customers might see rate reductions of $236 a year.
To compare your rates to other California insurance companies, click here to get a free quote or quote prices from the following companies.
Be aware that those policy rates are averaged for all types of drivers and the different vehicles they drive and do not factor in a vehicle location for a Honda Civic. So the insurer that is best for you may not even be in the top 24 companies in the list above. That affirms the importance of why you need to compare as many prices as possible using your own driver data and vehicle information.
Rate difference between full and liability-only coverage
Buying cheaper car insurance should be important to most drivers, and an easy way to pay lower rates for insurance for a Honda Civic is to not buy comprehensive and collision coverage. The information below illustrates the difference between car insurance costs with and without full coverage. The information is based on no claims or driving violations, $1,000 deductibles, marital status is single, and no other discounts are factored in.
If we average the cost for ages 20 through 70, comp and collision coverage costs an extra $2,274 per year more than insuring for liability only. That touches on the question if it’s a good idea to buy full coverage. There is no definitive guideline of when to exclude full coverage, but there is a general convention. If the annual cost of having full coverage is more than around 10% of the replacement cost minus the deductible, then it could be time to drop full coverage.
There are a few situations where removing full coverage is not advised. If you still have a loan on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should not drop full coverage.
Discount San Diego car insurance
Insurance providers that offer cheap quotes for a Honda Civic may additionally offer policy discounts that can lower rates by as much as 25% or more if you meet certain criteria. Popular car insurance companies and the discounts they provide can be read below.
- Progressive includes discounts for homeowner, multi-vehicle, online signing, good student, and online quote discount.
- AAA offers discounts including multi-car, AAA membership discount, education and occupation, pay-in-full, and anti-theft.
- Farmers Insurance offers discounts for pay in full, switch companies, electronic funds transfer, business and professional, and mature driver.
- GEICO may offer discounts for anti-theft, five-year accident-free, anti-lock brakes, seat belt use, daytime running lights, federal employee, and multi-policy.
- Esurance may have discounts that include homeowner, Switch & Save, multi-policy, online quote, emergency road assistance, and anti-lock brakes.
- SAFECO policyholders can earn discounts including homeowner, teen safety rewards, drive less, accident prevention training, and anti-lock brakes.
- State Farm may include discounts for accident-free, Drive Safe & Save, anti-theft, passive restraint, multiple autos, driver’s education, and Steer Clear safe driver discount.
The example below shows the comparison of car insurance costs with and without discounts applied to the rates. The premiums assume a female driver, no driving violations, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with accident-free, defensive driving course, homeowner, multiple policy, anti-theft, and passive restraint discounts applied. When these discounts are applied to the policy premium, theaverage amount saved on car insurance for a Honda Civic is 28% or $996.
The diagram below demonstrates how deductible levels can affect insurance costs when searching for cheap insurance for a Honda Civic. The rate quotes are based on a married female driver, comp and collision included, and no discounts are factored in.
In the chart above, a 30-year-old driver could pocket $490 a year by changing from a $100 deductible to a $500 deductible, or save $736 by choosing a $1,000 deductible. Young drivers, like the 20-year-old example, could save as much as $1,042 annually just by using higher deductibles. If you do decide to increase your deductibles, it will be important to have plenty of discretionary funds to enable you to pay the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.