Want lower-priced Honda Civic insurance in Irvine? Feel like you’re a prisoner to an expensive car insurance policy? Say no more because there are lots of Irvine residents who feel the same.
It’s safe to conclude that car insurance companies don’t want you quoting rates from other companies. People who shop around for cheaper rates will most likely switch car insurance companies because they have good chances of finding lower prices. A recent survey found that people who made a habit of comparing rate quotes saved $865 annually compared to people who never shopped around.
If finding budget-friendly car insurance is the reason you’re here, then learning a little about how to shop for auto insurance can save money and time. Having so many insurance companies to choose from that have cheaper insurance for a Honda Civic in Irvine, it’s difficult to pick the most affordable car insurance provider.
What Determines Honda Civic Insurance Costs?
Smart consumers have a good feel for the rating factors that help determine the rates you pay for auto insurance. If you know what influences your rates, this enables informed choices that can help you get better auto insurance rates.
Small coverages can add up – Insurance companies have many optional add-on coverages that you can buy if you aren’t diligent. Add-on coverages like coverage for rental cars, accidental death, and extra life insurance coverage are some examples. They may seem like a good idea when deciding what coverages you need, but your money might be better spent on other coverage so consider taking them off your policy.
Does insurance cost more for men? – Statistics demonstrate that women are safer drivers than men. It does not mean females are better drivers. They both are responsible for at-fault accidents at about the same rate, but the men have accidents that have higher claims. Men also tend to get higher numbers of serious violations such as reckless driving.
The illustration below illustrates the comparison of Honda Civic insurance prices for male and female drivers. The data is based on no violations or accidents, full physical damage coverage, $100 deductibles, drivers are not married, and no additional discounts are factored in.
Type of car determines base premiums – The performance of the vehicle you need to insure makes a significant difference in your auto insurance rates. Low performance passenger cars usually have the lowest rates, but your final cost has many other factors.
The next chart assumes a married male driver age 30, full coverage with $1000 deductibles, and no discounts or violations. It compares Honda Civic rates compared to other models that have different risk factors.
Liability coverage – Liability coverage is the protection in the event that a court rules you are at fault for personal injury or accident damage. It will provide you with a defense in court starting from day one. Liability is cheap when compared to the cost of physical damage coverage, so buy as much as you can afford.
Lower premiums with continuous coverage – Allowing your coverage to lapse is a guaranteed way to drive up your policy premiums. In addition to paying higher premiums, getting caught without coverage may result in a hefty fine and possibly a revoked license.
Discounts for married couples – Having a wife or husband may earn you lower rates on your auto insurance policy. Marriage translates into being more financially stable and statistics prove married drivers tend to file fewer claims.
Teen drivers pay higher rates – Beginning drivers in California have been known to be less responsible when driving therefore auto insurance rates are much higher. Parents adding a teenage driver to your auto insurance policy can really hurt. More experienced drivers are proven to be safer behind the wheel, cause fewer claims and accidents, and are generally more financially stable.
The next chart is based on a single driver, full coverage with $100 deductibles, and no discounts or violations.
Save by driving safer cars – Safe vehicles tend to have better insurance rates. The safest vehicles protect occupants better and any reduction in injury severity means less claims paid and thus lower rates. If your Honda Civic scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may cost less to insure.
Honda Civic insurance loss probability – Insurance companies analyze the history of losses as a tool for profitable underwriting. Models that are shown to have increased losses will have higher rates. The table below shows the loss history for Honda Civic vehicles.
For each insurance policy coverage type, the loss probability for all vehicles, without regard to make or model, is a value of 100. Numbers that are below 100 are indicative of better than average losses, while numbers above 100 indicate a higher chance of having a claim or larger claims.
| Vehicle 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
Statistics from IIHS.org for 2013-2015 Model Years
Honda Civic insurance coverage information
The information below showcases detailed analysis of coverage prices for Honda Civic models. Knowing how premiums are established helps drivers make decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $378 | $686 | $578 | $34 | $174 | $1,850 | $154 |
| Civic VP 4-Dr Sedan | $378 | $810 | $578 | $34 | $174 | $1,974 | $165 |
| Civic LX 4-Dr Sedan | $378 | $810 | $578 | $34 | $174 | $1,974 | $165 |
| Civic DX 2-Dr Coupe | $378 | $810 | $724 | $42 | $216 | $2,170 | $181 |
| Civic EX 4-Dr Sedan | $378 | $810 | $578 | $34 | $174 | $1,974 | $165 |
| Civic LX-S 4-Dr Sedan | $378 | $810 | $578 | $34 | $174 | $1,974 | $165 |
| Civic LX 2-Dr Coupe | $378 | $932 | $724 | $42 | $216 | $2,292 | $191 |
| Civic EX-L 4-Dr Sedan | $434 | $932 | $578 | $34 | $174 | $2,152 | $179 |
| Civic SI 4-Dr Sedan | $434 | $932 | $578 | $34 | $174 | $2,152 | $179 |
| Civic EX 2-Dr Coupe | $434 | $932 | $724 | $42 | $216 | $2,348 | $196 |
| Civic GX 4-Dr Sedan | $434 | $932 | $578 | $34 | $174 | $2,152 | $179 |
| Civic EX-L 2-Dr Coupe | $434 | $932 | $724 | $42 | $216 | $2,348 | $196 |
| Civic Hybrid 4-Dr Sedan | $490 | $810 | $578 | $34 | $174 | $2,086 | $174 |
| Civic SI 2-Dr Coupe | $490 | $1054 | $724 | $42 | $216 | $2,526 | $211 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Estimates do not factor in zip code location which can alter rates significantly.
Deductible analysis
The hardest decision when buying coverage is which deductible level should you buy. The comparison tables below help summarize the premium difference of buying low and high coverage deductibles. The first rate quote example uses a $100 physical damage deductible and the second price table 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 |
| Get Your Own Custom Quote Go | |||||||
| 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 Custom Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Prices do not factor in vehicle location which can decrease or increase auto insurance rates considerably.
We can estimate from the data above that using a $100 deductible costs roughly $33 more each month or $396 a year than quoting the higher $500 deductible. Because you would be required to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you go more than 12 months between claim filings, you would save more money by selecting a higher deductible.
How to determine when to raise deductibles
| Average monthly premium for $100 deductibles: | $159 |
| Average monthly premium for $500 deductibles (subtract): | – $126 |
| Monthly savings from raising deductible: | $33 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $33 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 12 months |
The diagram below demonstrates how deductible levels and can affect Honda Civic insurance costs for different age groups. The premium estimates are based on a single male driver, comp and collision included, and no discounts are factored in.
Rate comparison of full coverage and liability-only
The diagram below visualizes the comparison of Honda Civic insurance prices with liability coverage only compared to full coverage. The premium estimates are based on no claims or driving violations, $100 deductibles, marital status is single, and no additional discounts are factored in.
When to eliminate full coverage
There is no definitive guideline of when to phase out comprehensive and collision coverage on your policy, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then you might want to think about dropping full coverage.
For example, let’s assume your Honda Civic book value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would receive is $6,000 after paying your policy deductible. If you are paying more than $600 annually for your policy with full coverage, then it’s probably a good time to buy liability coverage only.
There are some situations where eliminating full coverage is not a good plan. If you still owe money on your vehicle, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should maintain full coverage.
Get cheaper Honda Civic insurance in Irvine with discounts
Companies that sell car insurance don’t always list every possible discount in an easy-to-find place, so we researched some of the more common and the harder-to-find discounts that may be available. If you are not receiving all the discounts possible, you could be paying more than you need to.
- Discount for Home Ownership – Owning a house in Irvine may trigger a policy discount on auto insurance because it is proof that your finances are in order.
- Active Service Discounts – Being deployed in the military may qualify for rate reductions.
- Discount for Swiching Early – Some larger companies give discounts for switching policies prior to the expiration date on your current Civic insurance policy. Ten percent is about the average savings.
- Good Grades Discount – Excelling in school can save 20 to 25%. You can use this discount normally up until you turn 25.
- Claim-Free Discount – Good drivers with no accidents get the best auto insurance rates as compared to drivers who are more careless.
- Discount for New Cars – Buying a new car model can cost up to 25% less due to better safety requirements for new model year vehicles.
- Mature Driver Discount – If you qualify as a senior citizen, you can get a slight reduction on a Irvine auto insurance quote.
- Payment Discounts – If you can afford to pay the entire bill rather than spreading payments over time you could save 5% or more.
- Waiver for an Accident – Not a discount per se, but companies like Liberty Mutual, GEICO and Allstate will forgive one accident without raising rates with the catch being you have to be claim-free for a specific time period.
- ABS Brakes – Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
Please keep in mind that most discount credits are not given to the overall cost of the policy. Some only apply to specific coverage prices like comp or med pay. So despite the fact that it appears adding up those discounts means a free policy, auto insurance companies aren’t that generous.
The diagram below shows the comparison of Honda Civic insurance costs with and without some available policy discounts. The costs are based on a male driver, no claims or driving citations, California state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, homeowner, multi-policy, claim-free, and safe-driver discounts applied.
Companies and some of their more popular discounts include:
- State Farm offers discounts for accident-free, good driver, driver’s education, safe vehicle, student away at school, Drive Safe & Save, and passive restraint.
- Farmers Insurance offers premium reductions for homeowner, early shopping, youthful driver, electronic funds transfer, switch companies, multi-car, and good student.
- Progressive includes discounts for multi-vehicle, multi-policy, good student, continuous coverage, homeowner, and online signing.
- GEICO may offer discounts for daytime running lights, multi-vehicle, multi-policy, federal employee, anti-lock brakes, and seat belt use.
- Auto-Owners Insurance has savings for company car, safe vehicle, multiple vehicles, good student, air bags, and paperless.
- The Hartford offers discounts including good student, driver training, air bag, defensive driver, bundle, vehicle fuel type, and anti-theft.
- Farm Bureau may have discounts that include 55 and retired, multi-vehicle, driver training, good student, safe driver, and renewal discount.
- USAA may include discounts for good student, defensive driver, military installation, multi-vehicle, and new vehicle.
When getting a coverage quote, ask all companies you are considering how many discounts you can get. Some discounts might not be offered on policies everywhere.
One last thing to lower rates
We covered some good ideas how to shop for Honda Civic insurance online. The key concept to understand is the more quotes you get, the better your chances of lowering your rates. Drivers may even discover the best prices are with an unexpected company.
Insureds who switch companies do it for a variety of reasons including questionable increases in premium, poor customer service, lack of trust in their agent or high rates after DUI convictions. It doesn’t matter what your reason, finding a great new company is pretty easy and you might even save some money in the process.
As you prepare to switch companies, it’s not a good idea to buy poor coverage just to save money. There are a lot of situations where someone sacrificed liability limits or collision coverage only to regret at claim time that the small savings ended up costing them much more. Your goal is to buy enough coverage for the lowest cost but still have enough coverage for asset protection.
Steps to finding the cheapest rates for Honda Civic insurance in Irvine
If you want to save money, the best way to find more affordable auto insurance rates is to start comparing rates regularly from providers who provide auto insurance in Irvine. Rate comparisons can be done by following these guidelines.
- Spend some time learning about how car insurance works and the measures you can take to prevent expensive coverage. Many factors that cause high rates like accidents, careless driving, and poor credit rating can be rectified by being financially responsible and driving safely.
- Compare rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only provide price estimates from one company like Progressive or Farmers Insurance, while independent agencies can quote rates from multiple companies. Find an Irvine insurance agent
- Compare the quotes to the price on your current policy to see if a cheaper rate is available in Irvine. If you find better rates and make a switch, make sure coverage does not lapse between policies.
- Give proper notification to your current agent or company to cancel your current auto insurance policy. Submit payment and a completed application to your new insurance company. As soon as coverage is bound, safely store the proof of insurance paperwork somewhere easily accessible.
One thing to point out is that you’ll want to make sure you compare the same physical damage deductibles and liability limits on each price quote and and to get rates from every company you can. This ensures the most accurate price comparison and the best price selection.
Even more information is located by following these links:
- Help Your Teen Be a Better Driver (State Farm)
- Who Has the Cheapest Car Insurance for a GMC Sierra in Irvine? (FAQ)
- Who Has Affordable Irvine Auto Insurance for a Kia Forte? (FAQ)
- How Much is Auto Insurance for Good Students in Irvine? (FAQ)
- Who Has Affordable Irvine Car Insurance Quotes for Drivers Under 21? (FAQ)
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)
- Tools for Teen Driving Safety (State Farm)