Who Has Cheap Insurance for a Honda Civic in Washington?

Your chances of buying the best cheap insurance for a Honda Civic in Washington is dependent upon a lot of factors such as how old you are, if you have ever let your policy lapse, and any driving offenses on your record. Drivers pay around $940 annually to insure a Civic, but that policy rate is an estimate rating a 30-year-old married male driver who purchased full coverage including both comprehensive and collision and $500 deductibles.

Chances are good that you are not 30 and possibly not even male, possibly single instead of married, and maybe your credit level is not the same as what was rated. Every auto insurance policy is unique to the driver, so the only real way to find the most affordable coverage for your Honda is to compare as many rates as you can.

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The trim level of your vehicle impacts the cost of coverage, so the price you will pay to insure a Civic DX 4-Dr Sedan trim level will cost $312 less than the price to insure the higher-priced Civic SI 2-Dr Coupe version, as shown in the table below.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Rate quotes do not factor in zip code location which can lower or raise price quotes greatly.

Ending up with the best auto insurance provider is hard considering how many companies sell coverage in Washington. The ranking information shown next may help you select which auto insurers to look at comparing prices from. The rankings below are only made up of large nationwide companies, so companies that only write business in Washington or surrounding areas are not factored into the list.

Top 10 Large Auto Insurance Providers in Washington Ranked by Claims Service

1. State Farm
2. Esurance
3. AAA Insurance
4. Progressive
5. GEICO
6. Liberty Mutual
7. Allstate
8. Titan Insurance
9. The Hartford
10. The General

Top Companies for Honda Civic Insurance in Washington

Rate difference between full and liability-only coverage

Finding cheap insurance for a Honda Civic in Washington is important to most drivers, and a great way to lower the cost of insurance is to only buy liability insurance. The chart below visualizes the comparison of auto insurance costs with liability coverage only compared to full coverage. The rates are based on no claims or driving citations, $500 deductibles, single status, and no discounts are factored in.

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If we average the cost for all age groups, physical damage coverage costs an extra $2,058 per year more than just insuring for liability. That brings up the question if buying full coverage is worth the expense. There is no exact formula of when to exclude physical damage insurance, but there is a general guideline you can use. If the annual cost of having full coverage is about 10% or more of replacement cost minus your deductible, then you might consider buying liability only.

For example, let’s pretend your vehicle’s replacement value is $11,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company will settle for is $10,000 after paying your policy deductible. If you are paying in excess of $1,000 annually for comprehensive and collision coverage, then you may need to consider dropping full coverage.

There are some situations where eliminating full coverage is not financially feasible. If you still have a loan on your vehicle, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not eliminate full coverage.

How to find cheaper insurance for a Honda Civic

Here are some thrifty solutions that can help Washington drivers buy cheap coverage.

• Avoid getting citations and tickets
• Raise deductibles
• Discounts for being claim-free can be substantial
• Prevent rate increases by staying accident-free
• Save money by only buying liability coverage for older vehicles
• Compare quotes from other companies often

The last idea is highly necessary, as we hit on in this write-up. Rates in Washington can change considerably in a year, so don’t be tentative to buy from a different company if you can save money.

Brand loyalty is great, but it’s not a good idea if that loyalty results in overpaying a small fortune year after year. In less than five minutes you could compare prices to find cheaper car insurance for a Honda Civic.