Who Has the Cheapest Insurance Quotes for a Honda Civic in West Virginia?

When the topic is auto insurance, the words cheap or affordable should never be used anywhere in the article to describe car insurance prices. Unfortunately, cheap auto insurance for a Honda Civic is almost non-existent. Don’t let that get you down, though, because we are going to show you some ways you can still get auto insurance that most people can afford.

Buying the cheapest insurance for a Honda Civic in West Virginia depends upon a pretty complex algorithm that uses a lot of factors such as the number of years of driving experience you have, your geographic location, and deductible levels for physical damage coverage. West Virginia drivers pay around $1,510 a year to insure a Honda Civic, but that amount is based on rate data for a 50-year-old single male that includes full coverage and $100 deductibles.

Most likely you may not be 50 years old (or even male), married instead of single, or maybe you have a teen driver on your policy that needs to be considered. Having even a minor difference in quote information can result in a big discrepancy in policy price.

Everyone has different rating factors, so the most reliable method for finding cheap insurance rates for your Honda is to compare as many rates as possible. Price quotes are quick and you will receive rate quotes from some of the best insurers that sell coverage in West Virginia.

Compare Honda Civic Insurance Rates

The trim level of your vehicle will influence the yearly cost, so the price you pay to insure a Civic DX 4-Dr Sedan model will cost $524 less than the cost to insure the higher-priced Civic SI 2-Dr Coupe model, as shown by the rates below.

Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and West Virginia minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Rate quotes do not factor in garaging location in West Virginia which can increase or decrease coverage prices significantly.

Finding good, cheap car insurance is not most people’s favorite thing to do, and figuring out which companies have the lowest-priced auto insurance rates for a Honda Civic calls for additional perseverance.

Every auto insurer has their own formula for determining rates, so let’s rank the auto insurance companies with the overall best prices in West Virginia. It’s important that readers know that West Virginia auto insurance rates are determined by lots of factors which can significantly increase or decrease the policy premium. Improving your credit score, becoming a homeowner, or getting into an accident can produce rate changes resulting in some companies being more expensive than competitors.

Cheapest Insurance Rates for Your Honda

Compare Rates Now

Erie quotes some of the cheapest car insurance rates in West Virginia at around $940 each year. The Hartford, Westfield, State Auto, and USAA are also some of the best West Virginia auto insurance companies.

As shown in the table above, if you are insured with Westfield and switched to Erie, you may see an annual savings of upwards of $322. Insureds with State Auto could save as much as $326 a year, and USAA policyholders might cut rates by $386 a year.

Be aware that those premiums are averages across all drivers and vehicles and are not factoring in a specific rate value for a Honda Civic. So the auto insurance company that is best for you may not even be shown in the above list. That is why you need to quote rates from many companies using your own individual information.

Auto insurance rates are higher with tickets and accidents

The easiest method to maintain the most affordable auto insurance rates for a Civic is to be a careful driver and not get tickets or have accidents. The diagram below highlights how speeding tickets and fender-benders can impact yearly insurance costs for different insured age categories. The premium estimates are based on a single male driver, full physical damage coverage, $250 deductibles, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 4517,4843,5791],[‘Age 30’, 2279,2603,3551],[‘Age 40’, 2285,2611,3563],[‘Age 50’, 2075,2403,3353],[‘Age 60’, 2009,2337,3281],[‘Age 70’, 2445,2773,3721]]);var options = {title: ‘Violations, Accidents, and West Virginia Honda Civic Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Honda Civic in West Virginia’,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);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The chart shows that the average cost of a car insurance policy in West Virginia per year with a clean driving record and no accidents is $2,602. Factor in one speeding ticket and the average cost increases to $2,928, an increase of $327 each year. Then throw in one accident along with the one speeding ticket and the 12-month cost of auto insurance for a Honda Civic jumps again to an average of $3,877. That’s an increase of $1,275, or $106 per month, just for not paying attention while driving!

The chart below shows how different deductible levels can affect insurance prices when getting quotes for cheap insurance for a Honda Civic. The data assumes a married female driver, full coverage, and no discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 3423,3127,2801,2491],[‘Age 30’, 2385,2173,1933,1705],[‘Age 40’, 2369,2161,1929,1709],[‘Age 50’, 2067,1891,1691,1503],[‘Age 60’, 1971,1801,1611,1429],[‘Age 70’, 2151,1963,1761,1569]]);var options = {title: ‘Deductibles and Honda Civic Insurance Rates in West Virginia’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Honda Civic’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

The data above shows that a 30-year-old driver could lower their car insurance rates by $440 a year by switching from a $100 deductible to a $500 deductible, or save $660 by using a $1,000 deductible. Even younger drivers, like the Age 20 category, have the ability to save up to $932 or even more by using a higher deductible. If you do make the decision to raise your deductibles, it will be necessary to have additional savings on hand to pay the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.

Company comparison: Progressive vs Geico vs Allstate vs State Farm

If you’re looking for the cheapest insurance for a Civic in West Virginia, the most popular companies are Progressive, Geico, Allstate, and State Farm. Each company has somewhat different options that add value to each policy. The data below rates pricing and service ratings, plus some optional coverages that are available.