Finding the best cheap insurance for a Honda Civic doesn’t take a lot of effort, but it hinges on lots of different rating factors such as whether you are married or single, your occupation, and any prior driving offenses you have. Drivers will pay on average $1,729 per year to insure their Civic, but that figure is a projection calculated using a 40-year-old single male driver with full physical damage coverage and $100 deductibles.
The issue with using an average estimated rate is the likelihood you’re not a 40-year-old male, married instead of single, and maybe you want different deductibles. Insurance is an individual thing, so the only real way to find affordable rates for your Honda is to put in the effort to do a thorough rate comparison. Quotes are free and you will receive rate quotes from the best companies around.
Find Cheaper Honda Civic Insurance
The specific model of Civic impacts the yearly cost, so the price to insure a Civic DX 4-Dr Sedan trim level will be $600 cheaper than the cost to insure the high end Civic SI 2-Dr Coupe version, as demonstrated by the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $280 | $682 | $462 | $28 | $138 | $1,590 | $133 |
| Civic VP 4-Dr Sedan | $280 | $802 | $462 | $28 | $138 | $1,710 | $143 |
| Civic LX 4-Dr Sedan | $280 | $802 | $462 | $28 | $138 | $1,710 | $143 |
| Civic DX 2-Dr Coupe | $280 | $802 | $576 | $34 | $172 | $1,864 | $155 |
| Civic EX 4-Dr Sedan | $280 | $802 | $462 | $28 | $138 | $1,710 | $143 |
| Civic LX-S 4-Dr Sedan | $280 | $802 | $462 | $28 | $138 | $1,710 | $143 |
| Civic LX 2-Dr Coupe | $280 | $924 | $576 | $34 | $172 | $1,986 | $166 |
| Civic EX-L 4-Dr Sedan | $322 | $924 | $462 | $28 | $138 | $1,874 | $156 |
| Civic SI 4-Dr Sedan | $322 | $924 | $462 | $28 | $138 | $1,874 | $156 |
| Civic EX 2-Dr Coupe | $322 | $924 | $576 | $34 | $172 | $2,028 | $169 |
| Civic GX 4-Dr Sedan | $322 | $924 | $462 | $28 | $138 | $1,874 | $156 |
| Civic EX-L 2-Dr Coupe | $322 | $924 | $576 | $34 | $172 | $2,028 | $169 |
| Civic Hybrid 4-Dr Sedan | $362 | $802 | $462 | $28 | $138 | $1,792 | $149 |
| Civic SI 2-Dr Coupe | $362 | $1046 | $576 | $34 | $172 | $2,190 | $183 |
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Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Rate information does not factor in specific garaging location which can alter price quotes significantly.
What is the best auto insurance company in Plano?
Choosing the right car insurance company can be difficult considering how many different companies insure vehicles in Texas. The information below could help you analyze which coverage providers you want to consider when comparing rate quotes.
The ratings below only include the largest auto insurers in America, so smaller companies will not be included in these rankings. To compare price quotes from these and other top-rated companies, follow this link.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
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Data Source: Insure.com Best Car Insurance Companies
The illustration below illustrates how your choice of deductibles can influence insurance costs when getting quotes for cheap insurance for a Honda Civic. The prices are based on a married male driver, comp and collision included, and no discounts are applied to the premium.
The data above shows that a 40-year-old driver could lower rates by $452 a year by increasing from a $100 deductible to a $500 deductible, or save $678 by using a $1,000 deductible. Even younger drivers, like the age 20 example, can cut up to $1,530 every year just by choosing higher deductibles. When using a larger deductible, it will now be necessary to have emergency funds available to be able to cover the extra out-of-pocket expense that is associated with using high deductibles.
Chances are good that you’re overpaying for Civic insurance
Texas auto insurance rates are influenced by many factors which can significantly increase or decrease the price of your policy. Improving your credit score, increasing deductibles, or getting into an accident may cause policy rate changes that may make certain companies cheaper than competitors. In addition, insurance companies change premium rates as often as every three months to adjust for gains or losses. An extended period of higher than normal claims can cause increased policy costs, while lower claims can cause cheaper Civic insurance rates.
To help illustrate this point, the bar chart below shows rates for the cheapest car insurance in Plano, TX for a 30-year-old female driver with no accidents or violations, and good financial standing. If we estimate rates based on her current risk profile, Travelers might quote the lowest car insurance rates in Plano at $1,159 annually. This is $745 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also make the list of the cheapest Plano, TX auto insurance companies.
Now we will give the driver from the first example an at-fault accident, slightly worse credit, and a few blemishes on her driving record. Since each auto insurance company has a proprietary method to set policy rates, analyzing rates may result in a new list of affordable companies as shown below.
State Farm now has the cheapest insurance rate in Plano with Mercury, USAA, Nationwide, and Safe Auto also being competitive. This example illustrates why Texas drivers need to compare rates to find cheap car insurance rates for a Honda Civic.
Prices are determined by many risk factors and change substantially, so the cheapest option the last time you shopped around may now be one of the higher cost companies.
How to find the cheapest insurance for a Honda Civic
It is possible to find better rates, and here are some of the recommended penny-pinching suggestions that can help you quote more affordable coverage.
- Do not get traffic citations
- Try to pay small claims out-of-pocket
- Clean up your credit rating
- Avoid preventable accidents
- Buy vehicles with good safety ratings
- Comparison shop frequently
The last idea is highly critical, as was affirmed in this piece. Car insurance rates in Plano change frequently, so drivers shouldn’t be resistant to change to a new company if a lower price can be found. Staying with the same car insurance company is fine, but is isn’t recommended if that inflexibility results in costing you a fortune every year. If you have a few minutes, compare prices and find cheaper insurance for a Honda Civic.