Who Has Cheap Insurance for a Honda Civic in California?
Anytime the topic is auto insurance, the word cheap should never appear as a descriptor for car insurance rates. The fact is, cheap car insurance for a Honda Civic is just plain contradictory. But fear not, because we are going to show you how you can find auto insurance that you can fit into your budget.
Your chances of buying cheap coverage for a Honda Civic in California is dependent upon lots of different factors such as your date of birth, your credit history, and the level of deductible you choose. Drivers on average pay around $1,410 each year to buy Honda Civic insurance, but that price is a ballpark figure using a 40-year-old single male driver that purchased full physical damage coverage and $1,000 deductibles.
More likely than not, you are not a 40-year-old male, possibly married instead of single, and there is a good chance that other rated drivers impact the rate. Just a slight change in rating criteria could end up in a significant change in rates.
This shows why the most reliable method for finding the cheapest insurance price for your Honda is to put in the effort to do a thorough rate comparison.
Find Cheaper Honda Civic Insurance
The trim level of your Civic has an effect on price, so the price you will pay to insure a Civic DX 4-Dr Sedan model will be $458 less than the insurance cost for the high end Civic SI 2-Dr Coupe model, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $180 | $416 | $534 | $32 | $160 | $1,322 | $110 |
| Civic VP 4-Dr Sedan | $180 | $490 | $534 | $32 | $160 | $1,396 | $116 |
| Civic LX 4-Dr Sedan | $180 | $490 | $534 | $32 | $160 | $1,396 | $116 |
| Civic DX 2-Dr Coupe | $180 | $490 | $668 | $40 | $200 | $1,578 | $132 |
| Civic EX 4-Dr Sedan | $180 | $490 | $534 | $32 | $160 | $1,396 | $116 |
| Civic LX-S 4-Dr Sedan | $180 | $490 | $534 | $32 | $160 | $1,396 | $116 |
| Civic LX 2-Dr Coupe | $180 | $564 | $668 | $40 | $200 | $1,652 | $138 |
| Civic EX-L 4-Dr Sedan | $206 | $564 | $534 | $32 | $160 | $1,496 | $125 |
| Civic SI 4-Dr Sedan | $206 | $564 | $534 | $32 | $160 | $1,496 | $125 |
| Civic EX 2-Dr Coupe | $206 | $564 | $668 | $40 | $200 | $1,678 | $140 |
| Civic GX 4-Dr Sedan | $206 | $564 | $534 | $32 | $160 | $1,496 | $125 |
| Civic EX-L 2-Dr Coupe | $206 | $564 | $668 | $40 | $200 | $1,678 | $140 |
| Civic Hybrid 4-Dr Sedan | $234 | $490 | $534 | $32 | $160 | $1,450 | $121 |
| Civic SI 2-Dr Coupe | $234 | $638 | $668 | $40 | $200 | $1,780 | $148 |
| Get Your Own Custom Quote Go | |||||||
Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Premium costs do not factor in California location which can raise or lower premium rates considerably.
Deciding which company has the cheapest insurance rates for a Honda Civic will take a tad more effort than just picking a company at random.
Each company has their own process to set premium rates, so let’s take a look at the overall cheapest insurance companies in California.
Find the Best Cheap Insurance for Your Honda
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,109 |
| 2 | Wawanesa | $1,181 |
| 3 | CSAA | $1,198 |
| 4 | Century National | $1,226 |
| 5 | Nationwide | $1,250 |
| 6 | 21st Century | $1,366 |
| 7 | Grange | $1,447 |
| 8 | Mercury | $1,488 |
| 9 | Allstate | $1,513 |
| 10 | Allied | $1,541 |
| 11 | Progressive | $1,558 |
| 12 | GEICO | $1,559 |
| 13 | The Hartford | $1,575 |
| 14 | MetLife | $1,638 |
| 15 | Unitrin | $1,682 |
| 16 | Esurance | $1,688 |
| 17 | State Farm | $1,750 |
| 18 | Bristol West | $1,795 |
| 19 | Travelers | $1,806 |
| 20 | Farmers | $2,006 |
| Get a Custom Quote Go | ||
USAA may have some of the best car insurance rates in California at around $1,109 per year. Wawanesa, CSAA, Century National, and Nationwide are also some of the more affordable California car insurance companies.
In this example, if you buy coverage from Century National and switched to Wawanesa, you could realize an annual premium reduction of roughly $45. Drivers with Nationwide could save as much as $69 a year, and 21st Century policyholders might lower prices by $185 a year.
To find cheap insurance for a Honda Civic in California for your vehicle, click here to get quotes or feel free to get quotes from the companies below.
These premiums are averages across all ages of drivers and types of vehicles and and are not figured with a specific rate factor for a Honda Civic. So the insurer that can offer the best rates for your situation may not even be in the company chart above. That illustrates why you need to compare rates from multiple companies using your own driver data and vehicle information.
Get discount California car insurance
Insurance providers that provide cheap insurance for a Honda Civic in California may also give you price discounts that may potentially lower prices by as much as 25% or more if you meet the requirements. Companies and some of the premium reductions they offer are included below.
| Discount | Allstate | Progressive | State Farm | Geico |
|---|---|---|---|---|
| Multiple policies | Yes | Yes | Yes | Yes |
| Multi-vehicle | No | Yes | Yes | Yes |
| Anti-theft | Yes | Yes | Yes | Yes |
| Safe vehicle | Yes | No | Yes | Yes |
| Passive restraint | Yes | No | Yes | Yes |
| Daytime running lights | No | No | Yes | Yes |
| New car | Yes | No | Yes | No |
| Safe driver | Yes | Yes | Yes | Yes |
| Defensive driver | Yes | Yes | Yes | Yes |
| Low mileage | Yes | Yes | Yes | No |
| Military | No | Yes | Yes | Yes |
| Employment | No | No | No | Yes |
| Paid in full | Yes | Yes | No | Yes |
| Paperless billing | Yes | Yes | No | Yes |
| Customer loyalty | No | Yes | Yes | No |
| Early signing | Yes | No | No | No |
| Good grades | Yes | Yes | Yes | Yes |
| Distant student | Yes | Yes | Yes | No |
| Own home | No | Yes | No | No |
| Use seat belts | No | No | No | Yes |
| Get quote online | No | Yes | No | No |
| Compare Rates Now Go | ||||
The example below shows the difference between yearly insurance costs with and without discounts applied to the policy rates. The data is based on a male driver, no violations or accidents, California state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with multiple policy, accident-free, defensive driving course, marriage, passive restraint, and claim-free discounts applied. When taking advantage of discounts, the average savings per year on insurance for a Honda Civic is % or $.
google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 6547,4697],[‘Age 30’, 3283,2373],[‘Age 40’, 3295,2377],[‘Age 50’, 2989,2157],[‘Age 60’, 2897,2091],[‘Age 70’, 3549,2549]]);var options = {title: ‘Comparison of Insurance Rates for a Honda Civic’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Honda Civic’,minValue: 0,format: ‘$###,###’},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(‘qcibdisc’));chart.draw(data, options);}
Does State Farm, Allstate, Progressive, or Geico have the cheapest car insurance?
If you are shopping around for insurance for a Civic in California, the companies that insure more vehicles than anyone else are State Farm, Allstate, Progressive, and Geico. The following table ranks ratings and policy coverage options that are available for buyers.
| State Farm | Allstate | Progressive | Geico | |
|---|---|---|---|---|
| Price Ranking | 2nd | 4th | 3rd | 1st |
| Claims Service | 2nd | 1st | 4th | 3rd |
| Discounts Available | 3rd | 1st | 4th | 2nd |
| Client Satisfaction | 4th | 2nd | 3rd | 1st |
| U.S. market share | 18.3% | 10% | 8.8% | 11.4% |
| Percent of customers who recommend | 88% | 86% | 88% | 87% |
| Accident forgiveness | No | Yes | Yes | Yes |
| New car replacement | No | Yes | No | No |
| Roadside service | Yes | Yes | Yes | Yes |
| Coverage for ridesharing | Yes | Yes | Yes | Yes |
| Rate for vehicle usage | Yes | Yes | Yes | No |
| Mechanical breakdown insurance | No | No | Yes | Yes |
| Compare Rates Go | ||||
How to find the cheapest auto insurance for a Honda Civic
It’s not impossible to find cheaper rates, and here are some of the better penny-pinching ideas that can help you buy cheap coverage.
- Tickets and violations raise rates
- Drive a car with a high safety rating
- Good credit can help you save money
- Higher deductibles save money
- Avoid having at-fault accidents
- Compare prices frequently to find the best deal
That last idea is particularly critical, as we hit on in the prior information. Insurance rates in California vary greatly, so don’t be afraid to switch to a new company if a better rate can be found.
Staying with the same company for years is fine, but is isn’t recommended if that loyalty ends up costing lots of money. In just a couple of minutes you could compare rates and find cheaper insurance for a Honda Civic.
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