Who Has the Cheapest Irvine Auto Insurance Quotes for a Honda Civic?

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.

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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.

Honda Civic Insurance Rates in Irvine, CA
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

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Cheapest California auto insurance companies
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 for a Civic in Irvine, CAInsurance 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.

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.

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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.

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.