Best Cheap Insurance for a Honda Civic in New York

When talking about auto insurance, the words “cheap” or “affordable” should not appear anywhere in the article as a descriptor for car insurance rates. Nonetheless, cheap car insurance for a Honda Civic can be hard to find. But don’t let that discourage you, because we are going to show you some ways you can still get car insurance that most people can afford.

The chances that you’ll find cheaper auto insurance for a Honda Civic in New York is contingent on dozens of factors such as how far you commute, whether or not you are currently insured, and your choice of physical damage deductibles. Drivers pay on average $750 a year to insure a Honda Civic, but that price is a projection rating a 50-year-old married male driver who requires both comprehensive and collision coverage and $500 policy deductibles.

If we were betting, you aren’t exactly 50 years old or even a male, maybe you are single instead of married, or maybe your Civic is an older model. Each driver’s needs are different, and that demonstrates why your best shot at finding cheap insurance prices for your Honda is to put in the effort to do a thorough rate comparison.

Insure Your Honda for Less

The specific model of Civic can impact the cost of insurance, so the price you pay to insure a Civic DX 4-Dr Sedan trim level will cost $246 less than the price to insure the higher-priced Civic SI 2-Dr Coupe trim level, as shown in the prices below.

Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and New York minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Price estimates do not factor in specific location which can raise or lower coverage rates noticeably.

Picking a high-quality insurer can be difficult considering how many companies there are in New York. The company information shown next can help you choose which companies you want to consider when trying find the best insurance for a Honda Civic.

The rankings below are for the largest companies in America, so smaller companies will not be included in the list. To compare prices from the most competitive companies in New York, click here.

Top 10 Large Auto Insurance Providers in New York Ranked by Value

1. The General
2. Erie Insurance
3. The Hartford
4. Mercury Insurance
5. Farmers Insurance
6. 21st Century
7. Safeco Insurance
8. AAA Insurance
9. State Farm
10. Travelers

Top 10 Large Auto Insurance Providers in New York Ranked by Claims Service

1. Progressive
2. USAA
3. Liberty Mutual
4. State Farm
5. GEICO
6. Nationwide
7. Allstate
8. The General
9. The Hartford
10. 21st Century

Top Companies for Honda Civic Insurance in New York

Get discounts on New York insurance rates

Insurance providers that sell the best cheap insurance for a Honda Civic in New York may have rate discounts that can reduce rates by as much as 35% or more if you meet the requirements. The best auto insurance companies and a selection of discounts are detailed below.

The chart below visualizes the comparison of premium costs with and without policy discounts. The rates are based on a male driver, no tickets, no at-fault accidents, New York state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.

The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with marriage, claim-free, anti-theft, homeowner, safe-driver, and passive restraint discounts applied. When discounts are applied, the the average amount saved on auto insurance for a Honda Civic is 15% or $163.

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Full coverage rates vs. liability-only

Finding the best cheap insurance for a Honda Civic in New York should be important to the majority of people, and a good way to lower the cost of insurance is to buy only liability coverage. The example below compares auto insurance rates with and without physical damage coverage. The prices are based on no violations or accidents, $250 deductibles, single marital status, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $250 Deductibles’, ‘Liability Only’],[‘Age 20’, 3527,1177],[‘Age 30’, 1779,647],[‘Age 40’, 1773,599],[‘Age 50’, 1619,561],[‘Age 60’, 1569,551],[‘Age 70’, 1935,737]]);var options = {title: ‘Full Coverage Rates Versus Liability Only Rates’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Honda Civic in New York’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

Averaged out for all age groups, full coverage costs an additional $2,034 per year more than just buying liability only. That proposes the question if buying full coverage is a good investment. There is no exact rule to drop physical damage coverage, but there is a general guideline. If the annual cost of your full coverage insurance is about 10% or more of the settlement you would receive from your company, then it’s probably a good time to buy liability coverage only.

For example, let’s pretend your vehicle’s settlement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $4,000 after paying your deductible. If it’s costing in excess of $400 a year for comprehensive and collision coverage, then you might want to think about dropping full coverage.

Who is cheaper: Allstate, State Farm, Geico, or Progressive?

When comparing insurance for a Civic in New York, probably the best companies to start with are Allstate, State Farm, Geico, and Progressive. When added together, they make up 48.5% of all policies written. They all offer somewhat different options that may affect your buying decision. The data below illustrates pricing and service ratings, plus some optional coverages that are available for policyholders.