Finding economical insurance for a Honda Civic in California is fairly simple, but it is dependent upon a lot of rating criteria such as whether you own a home, your occupation, and the level of deductible you choose. Drivers pay around $1,406 a year to insure their Civic, but that amount is an estimation calculated using a 30-year-old married male driver with full comprehensive and collision coverage and $500 deductibles.
But there is a good chance that you are not 30 and maybe not even a male, possibly single instead of married, or you just want cheap liability insurance instead of full coverage. Have just a small change in the factors used in pricing a policy can make a large difference in the cost of insuring your Civic.
Everyone has unique insurance needs, and this illustrates why the way we recommend to find cheap insurance prices for your Honda is to just take the time to compare rates yourself. Compare rate quotes now and you will receive rate quotes from some of the cheapest companies available.
Your vehicle’s trim level will be a contributing factor to the coverage cost, so the cost to insure a Civic DX 4-Dr Sedan trim level will be $470 less expensive the price to insure the higher-end Civic SI 2-Dr Coupe trim level, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Civic DX 4-Dr Sedan||$242||$464||$442||$26||$132||$1,306||$109|
|Civic VP 4-Dr Sedan||$242||$546||$442||$26||$132||$1,388||$116|
|Civic LX 4-Dr Sedan||$242||$546||$442||$26||$132||$1,388||$116|
|Civic DX 2-Dr Coupe||$242||$546||$552||$32||$166||$1,538||$128|
|Civic EX 4-Dr Sedan||$242||$546||$442||$26||$132||$1,388||$116|
|Civic LX-S 4-Dr Sedan||$242||$546||$442||$26||$132||$1,388||$116|
|Civic LX 2-Dr Coupe||$242||$630||$552||$32||$166||$1,622||$135|
|Civic EX-L 4-Dr Sedan||$278||$630||$442||$26||$132||$1,508||$126|
|Civic SI 4-Dr Sedan||$278||$630||$442||$26||$132||$1,508||$126|
|Civic EX 2-Dr Coupe||$278||$630||$552||$32||$166||$1,658||$138|
|Civic GX 4-Dr Sedan||$278||$630||$442||$26||$132||$1,508||$126|
|Civic EX-L 2-Dr Coupe||$278||$630||$552||$32||$166||$1,658||$138|
|Civic Hybrid 4-Dr Sedan||$314||$546||$442||$26||$132||$1,460||$122|
|Civic SI 2-Dr Coupe||$314||$712||$552||$32||$166||$1,776||$148|
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Estimates do not factor in specific location which can lower or raise premium rates noticeably.
Establishing which company offers the best car insurance rates for a Honda Civic involves a bit more effort in order to find a policy that fits your budget. Each auto insurance company has a proprietary formula to establish rates, so we need to take a look at the lowest cost car insurance companies in Oakland.
We do need to point out that California car insurance rates are impacted by many factors that control the price of coverage. Improving your credit rating, moving to a different location, or getting a couple of tickets may prompt premium changes resulting in some companies being affordable when they were higher priced.
Compare Cheap Insurance Quotes for Your Honda
Wawanesa generally has some of the lowest car insurance rates in Oakland at around $1,146 each year. USAA, Century National, Nationwide, and CSAA also rank well as some of the cheaper Oakland, CA auto insurance companies.
As shown in the rates above, if you are a policyholder with Nationwide and switched to USAA, you might realize a yearly savings of around $58. Insureds with CSAA could save as much as $79 a year, and 21st Century policyholders might reduce rates by $224 a year.
If you want to find out if you’re overpaying, click here to start a quote or visit any of the companies below.
These estimates are averages for all ages of drivers and types of vehicles and and are not calculated with an exact vehicle garaging location for a Honda Civic. So the car insurance company that fits your needs best may not even be in the list above. That underscores the importance of why you need to compare rates from multiple companies using your own driver information and specific vehicle type.
Price comparison of only insuring for liability
Paying a lower price for car insurance is the goal of most people, and one of the best ways to find cheaper insurance for a Honda Civic is to not pay for full coverage. The information below illustrates the difference between insurance costs with liability coverage only compared to full coverage. The prices are based on no accidents or driving violations, $100 deductibles, single marital status, and no discounts are taken into consideration.
If we average the cost for all age groups, full coverage costs an extra $3,699 per year more than insuring for liability only. That is a large expense and it proposes the question when is it safe to stop buying full coverage. There is no clear-cut rule for eliminating physical damage coverage, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is more than about 10% of replacement cost minus your deductible, then you might consider buying liability only.
For example, let’s assume your vehicle’s replacement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $4,000 after paying your deductible. If you are paying more than $400 annually for full coverage, then it might be time to buy liability only.
Types of discounts on Oakland insurance
Car insurance companies that sell policies for a Honda Civic may also give you policy discounts that could lower prices by 35% or more if you qualify for them. Larger car insurance companies and their possible discounts are:
- The Hartford offers premium reductions for vehicle fuel type, driver training, good student, air bag, and anti-theft.
- American Family has savings for multi-vehicle, good student, accident-free, bundled insurance, good driver, and early bird.
- Progressive discounts include online quote discount, multi-vehicle, homeowner, online signing, and continuous coverage.
- Travelers may have discounts that include student away at school, multi-policy, new car, hybrid/electric vehicle, and driver training.
- Farmers Insurance policyholders can earn discounts including alternative fuel, teen driver, mature driver, bundle discounts, good student, pay in full, and youthful driver.
- USAA has discounts for loyalty savings, safe driver, annual mileage, good student, driver training, and multi-policy.
- Liberty Mutual offers discounts for multi-car, newly married, newly retired, preferred payment discount, new graduate, new move discount, and good student.
The information below shows the difference between yearly insurance costs with and without discounts applied to the policy premium. The costs are based on a female driver, no claims or driving violations, California state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with marriage, vehicle safety, multiple policy, homeowner, multiple vehicle, and defensive driving course discounts applied. When drivers take advantage of discounts, the average amount saved each year on car insurance for a Honda Civic is 28% or $912.
The example below demonstrates how deductible levels can increase or decrease annual premium costs when researching cheap insurance for a Honda Civic. The premiums are based on a married female driver, comp and collision included, and no discounts are applied to the premium.
In the chart above, a 50-year-old driver could lower rates by $346 a year by increasing from a $100 deductible up to a $500 deductible, or save $522 by using a $1,000 deductible. Youthful drivers, like the 20-year-old example, could roll back prices $862 annually by using a higher deductible. If you do decide to increase your deductibles, it will be important to have enough savings to allow you to cover the extra out-of-pocket expense, which deters some people from using high deductibles.