Cheap Insurance Quotes for a Honda Civic in Pennsylvania

Cheap Insurance Quotes for a Honda Civic in Pennsylvania

Buying the best cheap coverage for a Honda Civic in Pennsylvania depends on a complex equation that considers factors such as the safety features built into your vehicle, if you have a lapse in coverage, and your choice of physical damage deductibles. Drivers on average pay around $1,090 annually for Civic insurance, but that is a projection assuming a 50-year-old single male who requires comprehensive and collision coverage and $500 deductibles.

If we were betting, you are not 50 years old and maybe not even male, maybe you are married instead of single, or maybe you want more liability coverage than is required by law in Pennsylvania. Using even a minor difference in policy rating data can lead to a big change in the coverage rate.

This shows why your best chance at finding the cheapest rates for your Honda is to compare as many rates as possible.

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Your vehicle’s trim level can impact the insurance rate, so the rate you pay to insure a Civic DX 4-Dr Sedan trim level will cost $364 less than the price to insure the higher-priced Civic SI 2-Dr Coupe trim level, as shown in the prices below.

Honda Civic Insurance Rates in Pennsylvania
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $154 $356 $372 $22 $112 $1,016 $85
Civic VP 4-Dr Sedan $154 $420 $372 $22 $112 $1,080 $90
Civic LX 4-Dr Sedan $154 $420 $372 $22 $112 $1,080 $90
Civic DX 2-Dr Coupe $154 $420 $466 $28 $140 $1,208 $101
Civic EX 4-Dr Sedan $154 $420 $372 $22 $112 $1,080 $90
Civic LX-S 4-Dr Sedan $154 $420 $372 $22 $112 $1,080 $90
Civic LX 2-Dr Coupe $154 $484 $466 $28 $140 $1,272 $106
Civic EX-L 4-Dr Sedan $178 $484 $372 $22 $112 $1,168 $97
Civic SI 4-Dr Sedan $178 $484 $372 $22 $112 $1,168 $97
Civic EX 2-Dr Coupe $178 $484 $466 $28 $140 $1,296 $108
Civic GX 4-Dr Sedan $178 $484 $372 $22 $112 $1,168 $97
Civic EX-L 2-Dr Coupe $178 $484 $466 $28 $140 $1,296 $108
Civic Hybrid 4-Dr Sedan $200 $420 $372 $22 $112 $1,126 $94
Civic SI 2-Dr Coupe $200 $546 $466 $28 $140 $1,380 $115
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Table data represents single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Estimates do not factor in vehicle location which can revise price quotes greatly.

Ratings for Pennsylvania car insurance companies

Insuring your vehicle with the top insurer is difficult considering how many companies there are to choose from in Pennsylvania. The ranking information below may help you analyze which providers you want to consider when shopping your coverage around.

The rankings below are only made up of the largest auto insurers in America, so companies that have a smaller presence are not taken into consideration for this list. To get rate quotes and find the cheapest rates for a Honda Civic, click this link.

Pennsylvania Car Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
The General 96 100 92 91% A- 95
Titan Insurance 87 96 94 93% A+ 92.9
The Hartford 88 96 91 93% A+ 92.6
Progressive 84 94 99 90% A+ 92.4
Travelers 84 93 100 87% A++ 92.3
State Farm 84 93 95 87% A++ 91
Farmers Insurance 87 92 90 85% A 90.6
Erie Insurance 79 93 90 87% A+ 88.6
Safeco Insurance 85 91 87 86% A 88.4
USAA 71 93 98 87% A++ 88
GEICO 73 93 95 85% A++ 87.1
21st Century 85 85 91 89% A 86.9
Liberty Mutual 72 91 97 83% A 86.4
AAA Insurance 85 85 88 86% A 85.8
Nationwide 71 90 93 83% A+ 84.9
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Data Source: Insure.com Best Car Insurance Companies

Comparison of full coverage and liability-only policies

Finding cheap insurance for a Honda Civic in Pennsylvania is important to the majority of drivers, and one easy way to pay less for insurance is to only buy liability insurance. The chart below visualizes the comparison of yearly insurance costs with full coverage and liability only. The premiums are based on no violations or accidents, $500 deductibles, single status, and no additional discounts are factored in.

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If all age groups are averaged, comp and collision coverage costs $1,920 per year more than insuring for liability only. That is a large expense and it proposes the question if paying for full coverage is worth it. There is no specific rule to exclude full coverage on your policy, but there is a guideline you can consider. If the yearly cost for physical damage coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then you might consider buying liability only.

Is State Farm, Allstate, Progressive, or Geico cheaper?

If you are looking for the best auto insurance, four companies to take a look at are State Farm, Allstate, Progressive, and Geico. The data below compares and contrasts some of the different options and features offered by each one.

Comparison of Top U.S. Auto Insurance Companies
State Farm Allstate Progressive Geico
Policy Discounts 3rd 1st 4th 2nd
Client Satisfaction 4th 2nd 3rd 1st
Overall Price 2nd 4th 3rd 1st
Claims Handling 2nd 1st 4th 3rd
Customer recommendation 88% 86% 88% 87%
Emergency roadside service Yes Yes Yes Yes
Rating based on usage Yes Yes Yes No
Accident forgiveness coverage No Yes Yes Yes
New car replacement No Yes No No
Coverage for ridesharing Yes Yes Yes Yes
Mechanical breakdown insurance No No Yes Yes
Offered in Pennsylvania Yes Yes Yes Yes
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How to find cheap insurance for a Honda Civic in Pennsylvania

It is possible to find better rates, and here are a few penny-pinching ideas that can help drivers find the cheapest coverage.

  • Drive attentively and avoid accidents
  • Do not pay for full coverage on older vehicles
  • Higher comprehensive and collision coverage deductibles will save money
  • Avoid speeding and other traffic citations and pay less
  • Avoid filing excessive claims
  • Compare rate quotes frequently

The final tip is especially crucial, as we hit on in this article. Coverage prices in Pennsylvania vary considerably, so drivers shouldn’t hesitate to buy from a different company if a cheaper price is available. Staying with the same car insurance company is fine, but is isn’t recommended if that dedication is costing several hundred dollars every year. Now is a great time to compare prices to find cheaper car insurance for a Honda Civic.

Who has the cheapest Honda Civic insurance quotes?

Drivers have a lot of different ways to find cheaper car insurance in Pennsylvania, but the most frequently used are either through an independent agent, a captive (or exclusive) agency like Allstate or State Farm, or direct from companies such as Geico or Progressive. They all have the same end result, but shoppers should understand the differences in how they give price quotes.

Independent insurance agents have contracts with multiple insurance companies and can provide price quotes from each one. They have the freedom to give you more rates, which may provide you with improved odds of finding cheaper coverage. If your agent finds better pricing, it’s simple to move the policy and you can remain with the same agent.

An agent who is captive is usually restricted to just one company, two popular examples being Allstate or Farmers Insurance agents. These agents usually cannot quote prices from more than just one company, so you might not find the best rates.

Direct car insurance buyers skip an agent and instead shop direct from companies such as Progressive or Geico. Buying car insurance direct can be good for consumers who do not need high levels of coverage and have an above average understanding of what coverage options they need.

So which one of the three ways works best to buy cheap insurance for a Honda Civic in Pennsylvania? Our initial answer would be buying from a direct car insurance company saves the most money because there isn’t an agent involved, but unfortunately, that is not the case. A good argument could also be made that an independent agent results in the cheapest rates since they have more companies to choose from, but that assumption is also not necessarily accurate. And often times, exclusive agents have very competitive rates that are well below what direct and independents offer.

Since car insurance prices vary so much, the guaranteed way to ensure you are not overpaying is to compare rate quotes from as many companies as possible. If time allows, get price quotes all three ways in order to be able to find the lowest price. For a list of companies with some of the cheapest Pennsylvania car insurance rates, click here to view.