Honda Civic insurance cost image courtesy of QuoteInspector.com
Buying competitive coverage for a Honda Civic is pretty simple for most people to do, but it hinges on many different factors such as your marital status, where your vehicle is garaged, and any prior driving offenses you have. Drivers pay approximately $1,745 per year to insure their Civic, but that price is a valuation calculated using a 30-year-old married female driver with full comprehensive and collision coverage and $100 deductibles.
But there is a good chance that you may not be 30 years old (or even female), single instead of married, and you don't want the same coverages and limits as the example. Just a very minor change in policy rating criteria or coverages can result in a large change in how much coverage for a Honda Civic costs.
Having different needs demonstrates why the best method for finding cheap car insurance rates for your Honda is to put in the effort to do a thorough rate comparison.
The specific trim level tends to have a direct impact on the cost of insurance, so the price you will be charged to insure a Civic DX 4-Dr Sedan trim level will be $610 lower than the insurance cost for the fancier Civic SI 2-Dr Coupe model, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Civic DX 4-Dr Sedan||$322||$672||$450||$26||$134||$1,604||$134|
|Civic VP 4-Dr Sedan||$322||$792||$450||$26||$134||$1,724||$144|
|Civic LX 4-Dr Sedan||$322||$792||$450||$26||$134||$1,724||$144|
|Civic DX 2-Dr Coupe||$322||$792||$564||$34||$168||$1,880||$157|
|Civic EX 4-Dr Sedan||$322||$792||$450||$26||$134||$1,724||$144|
|Civic LX-S 4-Dr Sedan||$322||$792||$450||$26||$134||$1,724||$144|
|Civic LX 2-Dr Coupe||$322||$912||$564||$34||$168||$2,000||$167|
|Civic EX-L 4-Dr Sedan||$368||$912||$450||$26||$134||$1,890||$158|
|Civic SI 4-Dr Sedan||$368||$912||$450||$26||$134||$1,890||$158|
|Civic EX 2-Dr Coupe||$368||$912||$564||$34||$168||$2,046||$171|
|Civic GX 4-Dr Sedan||$368||$912||$450||$26||$134||$1,890||$158|
|Civic EX-L 2-Dr Coupe||$368||$912||$564||$34||$168||$2,046||$171|
|Civic Hybrid 4-Dr Sedan||$416||$792||$450||$26||$134||$1,818||$152|
|Civic SI 2-Dr Coupe||$416||$1032||$564||$34||$168||$2,214||$185|
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Price data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Rate quotes do not factor in the specific area where the vehicle is garaged which can influence insurance rates noticeably.
Figuring out which companies quote the most affordable auto insurance rates for a Honda Civic will take a little more effort than just quoting one company's rates. Every car insurance company uses different criteria to determine rates, so let's take a look at the auto insurance companies with the overall cheapest rates in Santa Ana.
Find the Cheapest Car Insurance for Your Honda
|Rank||Company||Cost Per Year|
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Wawanesa generally has some of the cheapest car insurance rates in Santa Ana at around $1,146 annually. USAA, Century National, CSAA, and Nationwide would also make the list of some of the more affordable Santa Ana, CA auto insurance companies.
As the rates illustrate above, if you currently buy coverage from USAA and switched to Wawanesa, you might realize an annual savings of in the neighborhood of $9. Drivers with Century National might save as much as $32 a year, and CSAA policyholders might reduce prices by as much as $40 a year.
To find out how much you can save, click here or visit any of the companies below.
Remember that these rates are averages for all ages of drivers and types of vehicles and do not factor in an exact vehicle garaging location for a Honda Civic. So the car insurance company that fits you best may not even be in the list above. That illustrates why you need to compare prices as often as possible using your own individual information.
The example below demonstrates how choosing different deductibles can impact insurance costs when researching cheap insurance for a Honda Civic. The rates are based on a single male driver, full coverage, and no additional discounts are factored in.
A 50-year-old driver could lower rates by $476 a year by changing from a $100 deductible up to a $500 deductible, or save $714 by choosing a $1,000 deductible. Young drivers, like the Age 20 chart data, can cut $1,604 or even more by using a higher deductible.
If you do raise deductibles, it will be necessary to have additional savings on hand to satisfy the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.
Drive safe and save
In a perfect world, the best way to earn the most affordable auto insurance prices for a Civic is to be a safe driver and avoid traffic citations and accidents. The information below illustrates how traffic citations and fender-benders influence premium costs for different age groups. The premium estimates are based on a single female driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied to the premium.
The chart shows that the average cost of auto insurance in Santa Ana per year with no accidents or violations is $2,308. Factor in one speeding ticket and the average cost increases to $2,620, an increase of $311 each year. Then add in one accident along with the one speeding ticket and the yearly cost of auto insurance for a Honda Civic jumps again to an average of $3,503. That's an increase of $1,194, or $100 per month, just for not driving responsibly!
Last year's bargain might be this year's rip off
California auto insurance rates are impacted by many factors which can substantially change the price of coverage. Turning one year older, filing a claim, or getting into an accident can cause premium changes that may make certain companies cheaper than before. Also, companies change rates multiple times each year to adjust for gains or losses. Heavy losses can result in high rates, while a better loss history can cause cheaper Civic insurance rates.
The data below demonstrates which company has the cheapest car insurance in Santa Ana, CA for a 30-year-old male driver with no prior claims, no tickets, and excellent credit. Based on his personal risk profile, USAA quotes the most affordable car insurance rates in Santa Ana at $1,242 a year. This is $409 less than the average premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are also included in the cheapest Santa Ana, CA auto insurance companies.
Now we will pretend the driver from the first example a claim surcharge, less-than-perfect credit, and an imperfect driving record. Due to the fact that each insurance company has a unique formula to determining premium rates, comparing rates may result in a substantially altered list of the cheapest companies as shown below.
Grange now has the lowest price on auto insurance in Santa Ana with Progressive, Allstate, Mercury, and Allied completing the list. This illustrates why it is so important to compare rates when trying to get the cheapest auto insurance rates for a Honda Civic. Insurance prices are determined by many risk factors and change frequently, so the lowest-price company when you bought your policy may now be an over-priced policy.
The Santa Ana car insurance agencies listed below can help you make a decision which auto insurance policy would work best for you, as some drivers have questions and prefer to have a little guidance when comparing insurance rates for a Civic. It can be time-consuming to find coverage yourself, and professional agents can add comfort knowing your policy gives you sufficient protection if you have a claim.
To find a Santa Ana insurance agency near you, click the button at the bottom of the list or click here to compare prices now.
Allstate Insurance: Ramon Valerio
117 S Harbor Blvd - Santa Ana, CA 92704 - (714) 775-5423
Tutton Insurance Services Inc
2913 S. Pullman St - Santa Ana, CA 92705 - (949) 261-5335
Farmers Insurance: Ray Cheng Insurance Agency Inc.
540 N Golden Cir Dr #315 - Santa Ana, CA 92705 - (888) 395-4847
CRC Insurance Services Inc
1551 N Tustin Ave # 450 - Santa Ana, CA 92705 - (714) 689-0101
How to find the cheapest auto insurance for a Honda Civic
It is possible to find better rates, and here are many thrifty solutions that can help California drivers get low-cost coverage.
- Avoid getting citations and tickets
- Try to remain claim-free
- Drive vehicles with five-star safety ratings
- Avoid preventable accidents
- Buying home and auto together can help save money
- Check for cheaper rates once a year
That last piece of advice is extraordinarily significant, as we stressed in this article. Insurance rates in Santa Ana can change in a short period of time, so drivers shouldn't be resistant to change to a new company if you can find a cheaper rate.
Brand loyalty is not necessarily bad, but is isn't recommended if that stubbornness costs you a fortune every year. In just a couple of minutes you could shop around and find cheaper auto insurance for a Honda Civic.