Want a free price quotes on the cheapest Honda Civic insurance in Los Angeles? Trying to find low-cost insurance for your Honda Civic in California could be difficult, but you can use the following methods and make it easy.
There is a better way to compare auto insurance rates and you need to know the proper way to compare rates on a Honda and find the cheapest rates from Los Angeles insurance agents and online providers.
How to Lower Your Insurance Costs
Lots of things are used in the calculation when pricing auto insurance. Some factors are common sense like your driving record, but other criteria are more transparent such as your marital status and annual miles driven.
The factors shown below are some of the major factors used by insurance companies to determine your premiums.
Compare rates if you combine your policies – Lots of insurance companies will award lower prices to people who carry more than one policy such as combining an auto and homeowners policy. Even with this discount, it’s in your best interest to compare other company rates to help guarantee you have the best rates.
Gender matters – Statistics have proven females are less aggressive when driving. The data does not necessarily mean that females are better drivers. Both genders cause auto accidents at about the same rate, but the male of the species cause more damage and cost insurance companies more money. Not only are claims higher, but men get cited for more serious violations such as reckless driving. Young men ages 16 to 20 cause the most accidents and therefore have the most expensive insurance rates.
The chart below visualizes the comparison of Honda Civic auto insurance rates for male and female drivers. The premiums assume no tickets, no at-fault accidents, full coverage, $100 deductibles, marital status is single, and no discounts are applied to the premium.
Can a thief steal your car? – Owning a car that has a built-in theft deterrent system can earn a premium discount. Theft deterrent systems like vehicle immobilizer systems, OnStar, and tracking devices like LoJack can thwart auto theft.
Incidental coverages push up prices – There are a lot of extra add-on coverages that you can get tricked into buying if you aren’t careful. Coverages like personal injury protection, better glass coverage, and term life insurance may be costing you every month. They may seem like a good idea when buying your policy, but if they’re wasting money eliminate the coverages to reduce your premium.
Never let your insurance policy lapse – Having a lapse in insurance coverage can be a quick way to increase your renewal premiums. And not only will insurance be more expensive, not being able to provide proof of insurance may result in a fine, jail time, or a revoked license. Then you may be required to provide proof of insurance in the form of an SR-22 filing with the California motor vehicle department.
Traffic violations cost more than a fine – Having a single citation can boost insurance rates by twenty percent. Drivers who don’t get tickets get better prices compared to drivers with tickets. Drivers who have gotten flagrant tickets such as DUI or reckless driving may find they need to complete a SR-22 with their state’s licensing department in order to legally drive a vehicle.
The chart below shows how violations and accidents increase Honda Civic insurance costs for each different age category. The premium estimates are based on a married female driver, full physical damage coverage, $250 deductibles, and no discounts are factored in.
Fewer miles means better prices – The more you drive in a year the more you will pay for insurance. Most companies price each vehicle’s coverage based on how the vehicle is used. Autos not used for work or commuting receive better premium rates than those used for commuting. A policy that improperly rates your Civic is just wasting money. Ask your agent if your declarations sheet shows the proper vehicle usage.
Pay more for higher performance vehicles – The performance level of the vehicle you need insurance for makes a significant difference in your rates. Small economy passenger cars usually have the lowest premiums, but that’s not the only thing that factors into the final price.
The following data is based on a married female driver age 20, full coverage with $250 deductibles, and no discounts or violations. It shows Honda Civic insurance premiums compared to other models that have a range of performances.
Insurance losses for a Honda Civic – Insurance companies include the past claim trends for vehicles to help determine the price you pay. Vehicles that tend to have higher frequency or amount of claims will have a higher premium rate.
The table below illustrates the compiled insurance loss statistics for Honda Civic vehicles. For each policy coverage type, the claim amount for all vehicles averaged together is equal to 100. Values that are under 100 mean the vehicle has better than average losses, while values that are above 100 indicate higher probability of having a loss or statistically larger claims.
| Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Honda Civic | 92 | 105 | 68 | 127 | 135 | 121 |
| Honda Civic Hybrid | 90 | 85 | 106 | 105 | 78 | |
| Honda Civic Si | 126 | 97 | 117 | 124 | 104 |
Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Getting a cheaper price on Honda Civic insurance doesn’t have to be difficult. All that’s required is to take a few minutes comparing free Los Angeles car insurance quotes provided by online insurance companies.
The companies shown below offer price comparisons in Los Angeles, CA. If multiple companies are listed, it’s highly recommended you click on several of them in order to find the most affordable rates.
Honda Civic insurance statistics and information
The data table shown below covers different policy rates for Honda Civic models. Understanding how insurance prices are formulated can benefit drivers when making smart choices when purchasing an auto insurance policy.
| 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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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Estimates do not factor in specific location which can revise rates considerably.
Policy deductibles
A question often asked by Los Angeles drivers is the level to set your comp and collision deductibles. The comparisons below may aid in understanding the cost difference between low and high coverage deductibles. The first data set uses a $100 deductible for comprehensive and collision coverage and the second set of prices uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $332 | $686 | $442 | $26 | $132 | $1,643 | $137 |
| Civic VP 4-Dr Sedan | $332 | $810 | $442 | $26 | $132 | $1,767 | $147 |
| Civic LX 4-Dr Sedan | $332 | $810 | $442 | $26 | $132 | $1,767 | $147 |
| Civic DX 2-Dr Coupe | $332 | $810 | $552 | $32 | $166 | $1,917 | $160 |
| Civic EX 4-Dr Sedan | $332 | $810 | $442 | $26 | $132 | $1,767 | $147 |
| Civic LX-S 4-Dr Sedan | $332 | $810 | $442 | $26 | $132 | $1,767 | $147 |
| Civic LX 2-Dr Coupe | $332 | $932 | $552 | $32 | $166 | $2,039 | $170 |
| Civic EX-L 4-Dr Sedan | $380 | $932 | $442 | $26 | $132 | $1,937 | $161 |
| Civic SI 4-Dr Sedan | $380 | $932 | $442 | $26 | $132 | $1,937 | $161 |
| Civic EX 2-Dr Coupe | $380 | $932 | $552 | $32 | $166 | $2,087 | $174 |
| Civic GX 4-Dr Sedan | $380 | $932 | $442 | $26 | $132 | $1,937 | $161 |
| Civic EX-L 2-Dr Coupe | $380 | $932 | $552 | $32 | $166 | $2,087 | $174 |
| Civic Hybrid 4-Dr Sedan | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| Civic SI 2-Dr Coupe | $430 | $1054 | $552 | $32 | $166 | $2,259 | $188 |
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| 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 |
| Get Your Own Customized Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Price information does not factor in specific zip code location which can affect premium rates considerably.
Based on the figures above, using a $100 deductible costs about $33 more each month or $396 each year averaged for all Civic models than buying the higher $500 deductible. Because you would be required to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you tend to average at a minimum 12 months between claims, you would come out ahead if you choose the higher deductible.
Honda Civic liability-only versus full coverage
The illustration below visualizes the comparison of Honda Civic premium costs with full coverage and liability only. The costs are based on no claims or driving violations, $1,000 deductibles, drivers are single, and no other discounts are factored in.
Should you pay for full coverage?
There is no definitive rule that works best for making the decision to drop full coverage, but there is a guideline you can use. If the yearly cost of full coverage is about 10% or more of any settlement you would receive from your insurance company, then it might be time to buy liability only.
For example, let’s pretend your Honda Civic book value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, you would only receive $4,000 after the policy deductible has been paid. If it’s costing you more than $400 annually for your policy with full coverage, then you might consider buying liability only.
There are some scenarios where eliminating full coverage is not in your best interest. If you still owe money on your vehicle, you must maintain physical damage coverage as part of the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should not buy liability only.
Insurance does more than just protect your car
Despite the high cost of buying insurance for a Honda Civic in Los Angeles, insurance is required in California but also provides important benefits.
First, just about all states have minimum mandated liability insurance limits which means state laws require a specific minimum amount of liability protection in order to license the vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if your Civic has a lienholder, most lenders will require you to carry insurance to guarantee their interest in the vehicle. If the policy lapses, the lender will be forced to insure your Honda at a much higher rate and require you to fork over a much higher amount than you were paying before.
Third, insurance preserves not only your vehicle but also your assets. It will also cover medical transport and hospital expenses for you, your passengers, and anyone else injured in an accident. Liability coverage, the one required by state law, will also pay for a defense attorney in the event you are sued. If you have damage to your Honda as the result of the weather or an accident, comprehensive (other-than-collision) and collision coverage will pay all costs to repair after the deductible has been paid.
The benefits of carrying adequate insurance are without a doubt worth the cost, particularly when you have a large claim. According to a 2015 survey, the average American driver overpays more than $810 a year so you should quote and compare rates every year to be sure current rates are still competitive.
Verify you’re receiving every discount
Not too many consumers would say insurance is affordable, but you may find discounts to cut the cost considerably. Certain discounts will be applied when you purchase, but some must be specifically requested before they will apply.
- Switch and Save Discount – A few insurance companies offer discounts for switching policies prior to your current Civic insurance policy expiring. The savings is around 10%.
- Use Seat Belts – Requiring all passengers to buckle up can save up to 10 percent (depending on the company) off the personal injury premium cost.
- Life Insurance Discount – Some insurance carriers give lower prices if you buy life insurance.
- Discounts for Multiple Vehicles – Insuring multiple cars or trucks on one policy could earn a price break for each car.
- Discounts for Government Workers – Active or former government employment could cut as much as 10% off depending on your insurance provider.
- Discount for Good Grades – A discount for being a good student can save 20 to 25%. The discount lasts until age 25.
- Save over 55 – Seniors can possibly qualify for lower premium rates.
A little note about advertised discounts, many deductions do not apply to the whole policy. Most cut specific coverage prices like medical payments or collision. Even though it may seem like you would end up receiving a 100% discount, companies don’t profit that way.
The example below shows the comparison of Honda Civic car insurance costs with and without discounts applied to the rates. The information is based on a female driver, a clean driving record, no at-fault accidents, California state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, claim-free, marriage, multi-car, and homeowner discounts applied.
Popular insurance companies and some of their more popular discounts can be found below.
- State Farm may include discounts for multiple policy, Drive Safe & Save, student away at school, multiple autos, good driver, and anti-theft.
- Nationwide discounts include business or organization, good student, Farm Bureau membership, easy pay, multi-policy, accident-free, and defensive driving.
- GEICO policyholders can earn discounts including military active duty, good student, air bags, seat belt use, federal employee, and five-year accident-free.
- AAA offers discounts including multi-policy, anti-theft, multi-car, good student, education and occupation, AAA membership discount, and good driver.
- 21st Century may have discounts that include teen driver, homeowners, defensive driver, 55 and older, student driver, and good student.
- The Hartford offers premium reductions for vehicle fuel type, good student, air bag, driver training, and defensive driver.
Double check with all companies you are considering to apply every possible discount. Some of the earlier mentioned discounts might not apply in every state. To locate insurance companies offering insurance discounts in Los Angeles, follow this link.
Are auto insurance agents used anymore?
Certain consumers would prefer to buy from a local agent and that can be a smart move Good insurance agents can help you build your policy and help file insurance claims. An additional benefit of comparing rates online is that you can find cheap auto insurance quotes and still have a local agent. Buying insurance from local insurance agents is important particularly in Los Angeles.
For easy comparison, once you complete this quick form, the quote information gets sent to participating agents in Los Angeles who can give free rate quotes and help you find cheaper coverage. You don’t have to search for any insurance agencies as quotes are delivered to your email. If you want to get a rate quote from a specific insurance company, feel free to jump over to their website and complete a quote there.
How to choose the best car insurance agent in Los Angeles
When finding a local Los Angeles insurance agent, it’s helpful to know the different types of agencies and how they differ in how they quote coverages. Agents in Los Angeles are classified as either exclusive or independent agents depending on their company appointments. Both types can handle auto insurance, but it is a good idea to know the difference between them since it can impact the selection process.
Independent Auto Insurance Agencies
Independent agencies are appointed with more than one company and that enables them to quote your coverage with any number of different companies and find you cheaper rates. If your agent finds better pricing, they can switch companies in-house without you having to go to a different agency.
When shopping rates, it’s recommended you get insurance quotes from multiple independent agents in order to compare the most rates. Most also write with smaller companies which could offer lower prices.
Featured below are independent insurance agents in Los Angeles that may be able to give you competitive price quotes.
- Anthony Elliot Insurance Agency, Inc.
3349 Cahuenga Blvd W #2 – Los Angeles, CA 90068 – (323) 876-1980 – View Map - Malcom Brown Insurance Agency
2861 Robertson Blvd – Los Angeles, CA 90034 – (310) 280-0946 – View Map - Susman Insurance Agency
11611 San Vicente Blvd #515 – Los Angeles, CA 90049 – (310) 820-5200 – View Map
Exclusive Insurance Agents
Exclusive insurance agents write business for a single company such as State Farm or Allstate. They generally cannot give you multiple price quotes so they have to upsell other benefits. Exclusive agents receive a lot of sales training on their products and sales techniques and that enables them to sell even at higher rates. Some consumers prefer to buy from exclusive agents mostly because of the brand legacy rather than low rates.
Below are exclusive agencies in Los Angeles that can give you comparison quotes.
- Young Pyo – State Farm Insurance Agent
3700 Wilshire Blvd #567 – Los Angeles, CA 90010 – (213) 365-1600 – View Map - Lisa Brown – State Farm Insurance Agent
1247 S La Brea Ave – Los Angeles, CA 90019 – (323) 954-9763 – View Map - Rodney Brown – State Farm Insurance Agent
7154 Melrose Ave – Los Angeles, CA 90046 – (323) 931-1466 – View Map
Picking the best insurance agency is decision based upon more than just the bottom line cost. These questions are important to ask:
- Are you getting all the discounts the company offers?
- Is vehicle mileage a factor when determining depreciation for repairs?
- In the event of vehicle damage, can you pick the collision repair facility?
- Will they take your side in the event of a claim?
- Do the companies they represent have a solid financial rating?
- Do they offer rental car reimbursement?
If you feel you receive good feedback to all your questions as well as a price you’re happy with, it’s a good possibility that you have found an auto insurance agent that is reputable and can insure your vehicles. But keep in mind once you purchase a policy you can cancel a policy whenever you wish so don’t feel that you’re stuck with any specific company for the full term.
Your situation helps dictate your coverage
Always remember that when buying coverage online or from an agent, there really is no “best” method to buy coverage. Everyone’s situation is unique so your insurance needs to address that.
For instance, these questions may help you determine if your situation would benefit from an agent’s advice.
- What is the difference between personal and commercial auto insurance policies?
- Does my policy pay for OEM or aftermarket parts?
- What are the financial responsibility laws in my state?
- Do I have newly-acquired coverage?
- How many claims can I have before being canceled?
- Is my teenager covered with friends in the car?
- Who is covered by my policy?
- What is an SR-22 filing?
- Am I covered if I hit my neighbor’s mailbox?
If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It is quick, free and may give you better protection.
How much can you save?
Some insurance providers may not have internet price quotes and most of the time these smaller companies sell through independent agents. Affordable Honda Civic insurance in Los Angeles can be sourced on the web in addition to many Los Angeles insurance agents, and you need to comparison shop both in order to have the best price selection to choose from.
While you’re price shopping online, it’s a bad idea to reduce needed coverages to save money. There have been many situations where an insured cut liability limits or collision coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy enough coverage at an affordable rate, but don’t skip important coverages to save money.
Throughout this article, we presented a lot of information how to save on Honda Civic insurance in Los Angeles. The most important thing to understand is the more price quotes you have, the better likelihood of getting the cheapest Honda Civic rate quotes. You may even discover the best price on auto insurance is with a smaller regional carrier. These companies may cover specific market segments cheaper as compared to the big name companies such as Progressive or GEICO.
For more information, link through to the articles below:
- Neck Injury FAQ (iihs.org)
- Who Has Affordable Car Insurance Quotes for a 20 Year Old Female in Los Angeles? (FAQ)
- Who Has Cheap Car Insurance for Drivers with Accidents in Los Angeles? (FAQ)
- Who Has Cheap Auto Insurance for Unemployed Drivers in Los Angeles? (FAQ)
- Who Has the Cheapest Auto Insurance for a Honda CR-V in Los Angeles? (FAQ)
- Who Has Affordable Car Insurance Quotes for a Ford Escape in Los Angeles? (FAQ)
- What does Personal Injury Protection (PIP) Cover? (Allstate)
- What are my Rights when Filing a Claim? (Insurance Information Institute)
- Electronic Stability Control FAQ (iihs.org)