Finding the cheapest insurance for a Honda Civic can be pretty simple, but it relies on many rating factors such as annual vehicle mileage, your credit history, and any driving offenses on your record. Drivers in California will pay around $1,818 a year for Civic insurance, but that is an estimation calculated based on a 50-year-old single male driver with full coverage and $100 deductibles.
If we were betting, you are not 50 and maybe not even a male, married instead of single, and maybe you want different deductibles. This example demonstrates why the only real way to find cheap car insurance rates for your Honda is to compare rates from as many companies as possible.
The trim level of your Honda will most likely have an effect on the annual cost of coverage, so the price you will be charged to insure a Civic DX 4-Dr Sedan will cost $630 less than the cost to insure the more expensive Civic SI 2-Dr Coupe trim level, as demonstrated by the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $284 | $708 | $500 | $30 | $150 | $1,672 | $139 |
| Civic VP 4-Dr Sedan | $284 | $834 | $500 | $30 | $150 | $1,798 | $150 |
| Civic LX 4-Dr Sedan | $284 | $834 | $500 | $30 | $150 | $1,798 | $150 |
| Civic DX 2-Dr Coupe | $284 | $834 | $624 | $36 | $186 | $1,964 | $164 |
| Civic EX 4-Dr Sedan | $284 | $834 | $500 | $30 | $150 | $1,798 | $150 |
| Civic LX-S 4-Dr Sedan | $284 | $834 | $500 | $30 | $150 | $1,798 | $150 |
| Civic LX 2-Dr Coupe | $284 | $960 | $624 | $36 | $186 | $2,090 | $174 |
| Civic EX-L 4-Dr Sedan | $326 | $960 | $500 | $30 | $150 | $1,966 | $164 |
| Civic SI 4-Dr Sedan | $326 | $960 | $500 | $30 | $150 | $1,966 | $164 |
| Civic EX 2-Dr Coupe | $326 | $960 | $624 | $36 | $186 | $2,132 | $178 |
| Civic GX 4-Dr Sedan | $326 | $960 | $500 | $30 | $150 | $1,966 | $164 |
| Civic EX-L 2-Dr Coupe | $326 | $960 | $624 | $36 | $186 | $2,132 | $178 |
| Civic Hybrid 4-Dr Sedan | $370 | $834 | $500 | $30 | $150 | $1,884 | $157 |
| Civic SI 2-Dr Coupe | $370 | $1086 | $624 | $36 | $186 | $2,302 | $192 |
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Data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Price information does not factor in zip code location which can affect auto insurance rates significantly.
Trying to find cost effective insurance is not easy, and figuring out which company has the lowest-priced insurance rates for a Honda Civic involves even more shopping around.
Every insurance company has a unique formula for establishing rates, so to begin we’ll rank the most budget-friendly insurance companies in Irvine, CA.
Lowest Insurance Price Quotes for Your Honda
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,143 |
| 2 | Wawanesa | $1,181 |
| 3 | CSAA | $1,198 |
| 4 | Century National | $1,226 |
| 5 | Nationwide | $1,263 |
| 6 | 21st Century | $1,338 |
| 7 | Grange | $1,447 |
| 8 | Allstate | $1,497 |
| 9 | Allied | $1,541 |
| 10 | Progressive | $1,542 |
| 11 | Mercury | $1,548 |
| 12 | GEICO | $1,559 |
| 13 | The Hartford | $1,623 |
| 14 | MetLife | $1,654 |
| 15 | Esurance | $1,688 |
| 16 | State Farm | $1,699 |
| 17 | Unitrin | $1,750 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,860 |
| 20 | Farmers | $1,946 |
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USAA generally has some of the most affordable car insurance rates in Irvine at around $1,143 per year. This is $508 less than the average policy premium paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide also rank well as some of the cheapest Irvine, CA car insurance companies.
As shown in the rates above, if you currently buy coverage from CSAA and switched to USAA, you may realize an annual savings of roughly $55. Drivers with Century National might save as much as $83 a year, and Nationwide policyholders might reduce prices by as much as $120 a year.
If you would like to find cheaper car insurance rates, click here to start your custom quote or visit several of the following companies.
These prices are averaged across all drivers and vehicles and and are not figured with an exact vehicle garaging location for a Honda Civic. So the insurer that fits your age and vehicle best may not even be in the top 24 companies shown above. That affirms the importance of why you need to get rate quotes from many companies using your own driver and vehicle profiles.
Discounts on Irvine insurance rates
Insurance companies that offer coverage for a Honda Civic may also provide price discounts that can lower rates by as much as 35% or more if you meet the requirements. Popular insurance companies and some of the discounts are shown below.
- American Family has savings for defensive driver, accident-free, air bags, early bird, bundled insurance, Steer into Savings, and good driver.
- Farm Bureau may have discounts that include youthful driver, safe driver, 55 and retired, renewal discount, and multi-vehicle.
- State Farm may include discounts for defensive driving training, good driver, anti-theft, Steer Clear safe driver discount, safe vehicle, and student away at school.
- Travelers offers discounts for home ownership, save driver, early quote, payment discounts, good student, new car, and continuous insurance.
- The Hartford discounts include bundle, air bag, vehicle fuel type, anti-theft, driver training, defensive driver, and good student.
- GEICO may offer discounts for membership and employees, military active duty, five-year accident-free, anti-lock brakes, multi-policy, daytime running lights, and emergency military deployment.
- Progressive offers premium reductions for homeowner, online quote discount, continuous coverage, multi-policy, multi-vehicle, good student, and online signing.
The information below shows the difference between insurance costs with and without discounts applied to the premium. The rate quotes are based on a female driver, no driving violations, 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 anti-theft, homeowner, claim-free, defensive driving course, multiple vehicle, and passive restraint discounts applied. When drivers qualify for the discounts, the average savings per year on insurance for a Honda Civic is 28% or $736.
The information below highlights how deductible choice can influence premium costs when trying to find cheap insurance for a Honda Civic. The data assumes a married female driver, comprehensive and collision coverage, and no policy discounts are applied.
As shown above, a 50-year-old driver could lower their policy premium by $394 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $592 by switching to a $1,000 deductible. Youthful drivers, like the 20-year-old, can save $974 each year just by choosing larger deductibles.
When raising deductibles, it will be required to have enough savings set aside to satisfy the extra out-of-pocket expense, which is the one shortcoming of high deductibles.
A good deal can quickly turn bad
Irvine, CA insurance rates are determined by lots of factors that control the price you have to pay. Simply having another birthday, buying a different vehicle, or getting a few speeding tickets may cause policy rate changes that can make some companies cheaper than competitors. In addition to those changes, insurers amend premium rates every year or even multiple times each year as an adjustment for underwriting gains or losses. Unexpectedly high claims can cause rate hikes, while a better loss history may cause cheaper Civic insurance rates.
To illustrate this example, the graph below shows the cheapest car insurance in Irvine, CA for a 45-year-old male driver with a clear driving record, no claims, and good credit. If we estimate prices based on his personal risk profile, USAA may offer the most affordable car insurance rates in Irvine at $1,196 per year. This is $455 less than the average premium paid by California drivers of $1,651. Wawanesa, Century National, Nationwide, and CSAA are the remainder of the most affordable Irvine, CA auto insurance companies.
Now we will pretend the driver from the first rate comparison an accident claim, a lower credit rating, and a stop sign violation. Since every car insurance company has a proprietary formula to establish rates, comparing rates most likely will result in a completely different list of the cheapest Irvine car insurance companies as shown below.
Grange now has the cheapest insurance rate in Irvine with Progressive, Mercury, Allstate, and GEICO now rounding out the top five. This demonstrates why it is crucial to compare many different companies to get the cheapest auto insurance quotes for a Honda Civic.
Car insurance prices can be determined by many risk factors and can change substantially, so the lowest-price company the last time you checked may now cost much more than other companies.
If you aren’t sure which coverage you need and prefer to have some advice when shopping for the best coverage for a Honda Civic, the agencies below are a good start to help you determine which auto insurance policy fits you best.
To locate an Irvine insurance agent closest to you, click the button at the bottom of the list or click here to compare prices now.
- Wells Fargo Insurance Services: Harper James
2030 Main St #700 – Irvine, CA 92614 – (949) 358-6100 - Roger Stone Insurance Agency
5015 Birch St – Newport Beach, CA 92660 – (949) 757-0270 - Isu Insurance Services Irvine
18022 Cowan Ste 225 – Irvine, CA 92614 – (949) 419-2100
View more Irvine, CA insurance agencies
How to find cheaper insurance for a Honda Civic
Here are some of the better thrifty suggestions that can help you quote low-cost coverage.
- Save money by insuring older vehicles for liability only
- Buy vehicles with good safety ratings
- Higher physical damage deductibles lower rates
- Staying accident-free helps keep rates low
- Be a cautious driver
- Good credit scores may make rates cheaper
- Compare prices as often as possible
The final tip is extremely critical, as was noted in the prior information. Prices charged by companies in Irvine adjust frequently, so don’t be hesitant to switch companies if a more affordable rate is found. Brand loyalty is not necessarily bad, but it isn’t a good idea if that stubbornness costs you a fortune every year. Spend a few minutes and compare prices to find cheaper auto insurance for a Honda Civic.