Buying economical coverage for a Honda Civic is usually pretty straightforward, but it is dependent upon a lot of things such as whether you own a home, the likelihood of vehicle theft, and driving violations. California drivers pay around $1,653 each year to insure their Civic, but that is an estimate calculated based on a 50-year-old single male driver with both comprehensive and collision coverage and $250 deductibles.
But there is a high probability that you are not 50 and maybe not even a male, possibly married instead of single, or you just want cheap liability insurance instead of full coverage. Having even a minor difference in rating variables or coverage information can result in a big discrepancy in how much insurance for a Honda Civic costs.
Each driver’s needs are different, and that demonstrates why the best way to find cheap insurance prices for your Honda is to compare as many rates as you can.
Your vehicle’s trim level tends to have a direct impact on the yearly cost, so the price you will pay to insure a Civic DX 4-Dr Sedan will be $560 lower than the price to insure the higher-priced Civic SI 2-Dr Coupe trim level, as shown in the prices below.
Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
---|---|---|---|---|---|---|---|
Civic DX 4-Dr Sedan | $256 | $592 | $500 | $30 | $150 | $1,528 | $127 |
Civic VP 4-Dr Sedan | $256 | $698 | $500 | $30 | $150 | $1,634 | $136 |
Civic LX 4-Dr Sedan | $256 | $698 | $500 | $30 | $150 | $1,634 | $136 |
Civic DX 2-Dr Coupe | $256 | $698 | $624 | $36 | $186 | $1,800 | $150 |
Civic EX 4-Dr Sedan | $256 | $698 | $500 | $30 | $150 | $1,634 | $136 |
Civic LX-S 4-Dr Sedan | $256 | $698 | $500 | $30 | $150 | $1,634 | $136 |
Civic LX 2-Dr Coupe | $256 | $804 | $624 | $36 | $186 | $1,906 | $159 |
Civic EX-L 4-Dr Sedan | $294 | $804 | $500 | $30 | $150 | $1,778 | $148 |
Civic SI 4-Dr Sedan | $294 | $804 | $500 | $30 | $150 | $1,778 | $148 |
Civic EX 2-Dr Coupe | $294 | $804 | $624 | $36 | $186 | $1,944 | $162 |
Civic GX 4-Dr Sedan | $294 | $804 | $500 | $30 | $150 | $1,778 | $148 |
Civic EX-L 2-Dr Coupe | $294 | $804 | $624 | $36 | $186 | $1,944 | $162 |
Civic Hybrid 4-Dr Sedan | $332 | $698 | $500 | $30 | $150 | $1,710 | $143 |
Civic SI 2-Dr Coupe | $332 | $910 | $624 | $36 | $186 | $2,088 | $174 |
Get Your Own Custom Quote Go |
Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Rate quotes do not factor in vehicle location which can influence price quotes greatly.
Picking the right company can be difficult considering how many different companies sell coverage in Los Angeles. The company rank data in the lists below may help you analyze which car insurance companies to look at purchasing coverage from. These rankings are for companies who write in the majority of U.S. states, so smaller regional companies are not included in this list.
Top 10 Large Auto Insurance Companies in Los Angeles Ranked by Customer Service
- AAA of Southern California
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
Top 10 Large Auto Insurance Companies in Los Angeles 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%
Full coverage rates compared to liability-only
Lowering the price of auto insurance is important to most vehicle owners, and one of the easiest ways to save on the cost of insurance for a Honda Civic is to only buy liability coverage. The diagram below shows the difference between car insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data assumes no accidents, no driving violations, $1,000 deductibles, single status, and no discounts are applied.
As an average, comp and collision coverage costs an additional $2,735 per year more than just buying liability only. Lot’s of drivers question if buying full coverage is worth the money. There isn’t a steadfast formula of when to phase out physical damage coverage on your policy, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is 10% or more of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.
For example, let’s pretend your vehicle’s replacement value is $9,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would receive is $8,000 after the deductible is paid. If premium cost is more than $800 a year for your policy with full coverage, then it might be time to buy liability only.
There are some situations where eliminating full coverage is not a good idea. If you still have a lienholder on your title, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should not remove full coverage.
Driving violations and accidents
The ideal way to get the cheapest auto insurance prices in California for a Civic is to drive carefully and avoid accidents and traffic violations. The example below highlights how traffic violations and at-fault claims can impact car insurance rates for different age groups. The costs are based on a single female driver, comp and collision included, $100 deductibles, and no other discounts are factored in.
The chart shows that the average cost of car insurance in Los Angeles per year with a clean driving record and no accidents is $2,783. Add in two speeding tickets and the average cost hikes up to $3,746, an increase of $963 each year. Now get two accidents along with the two speeding tickets and the annual cost of auto insurance for a Honda Civic increases to an average of $7,225. That’s an increase of $4,442, or $370 per month, just for not paying attention while driving!
How to find the cheapest car insurance for a Honda Civic
The list below shows some of the better thrifty solutions that can help you locate lower-cost auto insurance.
- Avoid having at-fault accidents
- Maintaining good credit helps earn cheaper rates
- Maintain a clean driving record
- Buy vehicles with five-star safety ratings
- Too many claims can make car insurance unaffordable
- Comparison shop at least once a year
That last idea is extraordinarily vital, as we noted in the prior article. Coverage prices adjust often, so don’t be afraid to change to a new company if you find a cheaper price. Being loyal to a particular company is commendable, but it’s not a great idea if that loyalty results in overpaying major coinage every year. Now is a great time to shop around to find cheaper insurance for a Honda Civic in Los Angeles.
The agents shown below can help you decide which auto insurance policy fits you best, since lots of people like to have some advice when shopping for the best coverage for a Civic. It can be time-consuming to find the best policy on your own, so a licensed agent can add peace of mind knowing your policy gives you adequate protection in the event of a claim. To find an auto insurance agency near you, click the link at the bottom.
- Lisa Brown – State Farm Insurance Agent
1247 S La Brea Ave – Los Angeles, CA 90019 – (323) 954-9763 - Hillary Heyl – State Farm Insurance Agent
1990 Westwood Blvd #100 – Los Angeles, CA 90025 – (310) 234-9600 - Allyson Weber – State Farm Insurance Agent
1063 Colorado Blvd – Los Angeles, CA 90041 – (323) 258-5801 - State Farm: Ramon Pantoja
714 W Olympic Blvd #1007 – Los Angeles, CA 90015 – (213) 225-0655