Honda Civic insurance image courtesy of QuoteInspector.com
Finding cheaper coverage for a Honda Civic in California doesn't take too much effort, but it relies on a lot of things such as how safe your vehicle is, the performance level of your vehicle, and driving violations. California drivers will pay on average $1,726 annually for Civic insurance, but that cost is an approximation using a 40-year-old married female driver with full physical damage coverage and $100 deductibles.
This brings up the issue that more than likely you may not be 40 years old (or even female), you might be single instead of married, or maybe you're a renter instead of a homeowner. Even a minor difference in policy rating criteria or coverages could result in a significant change in the cost of insuring your Civic.
Auto insurance is unique to each driver, so the only way to find the cheapest insurance price for your Honda is to do your own rate comparisons. Quotes are always free and you will receive prices from top-rated car insurance companies available.
The trim level of your Honda tends to have a direct effect on the coverage cost, so the rate you will pay to insure a Civic DX 4-Dr Sedan trim level will be $604 less than the cost to insure the higher-end Civic SI 2-Dr Coupe model, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Civic DX 4-Dr Sedan||$284||$672||$464||$28||$138||$1,586||$132|
|Civic VP 4-Dr Sedan||$284||$792||$464||$28||$138||$1,706||$142|
|Civic LX 4-Dr Sedan||$284||$792||$464||$28||$138||$1,706||$142|
|Civic DX 2-Dr Coupe||$284||$792||$580||$34||$174||$1,864||$155|
|Civic EX 4-Dr Sedan||$284||$792||$464||$28||$138||$1,706||$142|
|Civic LX-S 4-Dr Sedan||$284||$792||$464||$28||$138||$1,706||$142|
|Civic LX 2-Dr Coupe||$284||$912||$580||$34||$174||$1,984||$165|
|Civic EX-L 4-Dr Sedan||$326||$912||$464||$28||$138||$1,868||$156|
|Civic SI 4-Dr Sedan||$326||$912||$464||$28||$138||$1,868||$156|
|Civic EX 2-Dr Coupe||$326||$912||$580||$34||$174||$2,026||$169|
|Civic GX 4-Dr Sedan||$326||$912||$464||$28||$138||$1,868||$156|
|Civic EX-L 2-Dr Coupe||$326||$912||$580||$34||$174||$2,026||$169|
|Civic Hybrid 4-Dr Sedan||$370||$792||$464||$28||$138||$1,792||$149|
|Civic SI 2-Dr Coupe||$370||$1032||$580||$34||$174||$2,190||$183|
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Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Rates do not factor in specific garaging location which can alter coverage prices substantially.
Insuring your vehicle with a high-quality insurance provider is difficult considering how many choices there are in Chula Vista. The company rank data listed below may help you decide which insurers to look at when comparing insurance rates for a Honda Civic.
The ratings below include the largest companies in America, so smaller regional companies will not be included in these rankings. To get price quotes from many more California auto insurance companies, follow this link.
Top 10 Major Auto Insurance Providers in Chula Vista Ranked by Customer Satisfaction
- Titan Insurance - 95%
- USAA - 94%
- AAA of Southern California - 92%
- AAA Insurance - 91%
- Nationwide - 90%
- State Farm - 90%
- The Hartford - 89%
- GEICO - 89%
- The General - 88%
- 21st Century - 88%
Top 10 Major Auto Insurance Providers Overall in Chula Vista
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
Types of discounts on Chula Vista auto insurance
Insurance providers that sell policies for a Honda Civic may have price discounts that could reduce prices by 35% or more if you are eligible for them. Companies and a partial list of their discounts include:
- GEICO may offer discounts for multi-vehicle, daytime running lights, seat belt use, good student, anti-theft, anti-lock brakes, and federal employee.
- MetLife has savings for good student, accident-free, defensive driver, good driver, multi-policy, and claim-free.
- State Farm offers premium reductions for defensive driving training, passive restraint, Steer Clear safe driver discount, safe vehicle, good driver, and student away at school.
- Progressive has discounts for continuous coverage, online quote discount, multi-policy, online signing, and multi-vehicle.
- Mercury Insurance offers discounts for ease of repair, accident-free, good student, low natural disaster claims, and good driver.
- 21st Century discounts include anti-lock brakes, driver training, teen driver, 55 and older, automatic seat belts, and homeowners.
- Allstate may include discounts for early signing, farm vehicle, FullPay discount, multi-policy, and premier plus.
The diagram below visualizes the comparison of auto insurance costs with and without discounts being applied to the rates. The information is based on a female driver, no claims or violations, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.
The first bar for each age group shows the price with no discounts. The second shows the rates with marriage, safe-driver, multiple policy, vehicle safety, homeowner, and accident-free discounts applied. When drivers qualify for the discounts, the average amount saved each year on auto insurance for a Honda Civic is 28% or $729.
The diagram below illustrates how your deductible choice can impact insurance premiums when searching for cheap insurance for a Honda Civic. The prices are based on a single female driver, comprehensive and collision coverage, and no discounts are taken into consideration.
A 40-year-old driver could cut expenses by $514 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $768 by choosing a $1,000 deductible. Even younger insureds, like the 20-year-old example, can save as much as $1,336 annually by choosing larger deductibles on their policy. If you make the decision to raise deductibles, it will be required to have enough funds in savings to offset the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
Why you are probably overpaying for Civic insurance
Chula Vista auto insurance rates are impacted by many things that can increase the policy price. Simply improving your credit, buying a different home, or having a fender bender may generate price changes that can cause some rates to be much cheaper than others.
And not only may your rating factors change, but auto insurance companies file new California auto insurance rates as often as every three months to adjust for heavy claims or excess profits. Higher than normal claims may cause high rates, while lower claim expenses can result in cheaper Civic insurance rates.
To illustrate this example, the data below shows the company with the cheapest car insurance in Chula Vista, CA for a 40-year-old female driver with no violations or accidents, and excellent credit. If we compare prices based on her personal risk profile, USAA may offer the cheapest car insurance rates in Chula Vista at $1,137 each year. This is $514 less than the average premium paid by California drivers of $1,651. Wawanesa, Century National, Nationwide, and CSAA round out the rest of the cheapest Chula Vista, CA auto insurance companies.
The chart below compares rates after we give the driver from the first set of rates some claims, less-than-perfect credit, and a couple of points charged on her driving record. Because every insurance company has a different formula for filing rates in each state, analyzing rates may result in a substantially altered list of the cheapest Chula Vista car insurance companies as shown below.
Grange now has the cheapest rate in Chula Vista, CA with Mercury, Progressive, Allstate, and GEICO now rounding out the top five. This example illustrates why it is critical to do a thorough rate comparison when trying to get the cheapest insurance quotes for a Honda Civic. Rates are calculated by many factors and can increase or decrease at any time, so the most economical company two years ago may now be one of the more expensive options.
How to find budget-friendly insurance for a Honda Civic
Here are many money-saving ideas that can help California drivers find low-cost coverage.
- Having at-fault accidents will increase rates
- Avoid filing excessive claims
- Older vehicles may not need full coverage
- Do not get traffic violations
- Choose a safer vehicle and pay lower rates
- Insure your home and auto with the same company
- Compare rate quotes frequently
That last piece of advice is notably necessary, as was pointed out in this article. Insurance rates can be modified anytime, so don't be afraid to switch companies if you find a better deal.
Many drivers tend to have loyalty to a certain company, but it's not a great idea if that devotion results in you overpaying lots of hard earned cash every month. In just a few minutes you could shop around and find cheaper car insurance for a Honda Civic in Chula Vista.
The insurance agencies below are a good start to help you decide which auto insurance coverages would be the best in your situation, as some drivers aren't sure which coverage they need and prefer to have professional advice when trying to find lower insurance rates for a Honda Civic. It can be hard to find the cheapest rates, and insurance agents licensed in the state of California can give satisfaction knowing your coverage gives you suitable coverage if you ever need to use it. To locate a Chula Vista insurance agent in your neighborhood, click the button below the list or click here to compare rates now.
Allstate Insurance: Jorge Zayas
1750 E Palomar St Ste 5 - Chula Vista, CA 91913 - (619) 656-8828
Princell Insurance Services
1068 Moonstone Pl - Chula Vista, CA 91913 - (619) 397-5955
Allstate Insurance: Donald Sewell
355 3rd Ave B - Chula Vista, CA 91910 - (619) 425-5370
Fred Hetter - State Farm Insurance Agent
265 E St Suite B - Chula Vista, CA 91910 - (619) 420-9430