Finding cheaper car insurance for a Honda Civic doesn’t take a lot of effort, but it depends on a complex formula that considers things such as the age of the Civic, your geographic location, and if you have a history of accidents. Texas drivers will pay around $1,301 each year for Civic insurance, but that price is a valuation calculated based on a 50-year-old married female driver with full comprehensive and collision coverage and $100 deductibles.
The issue that arises when projecting rates is that it’s very likely that you’re not a 50-year-old female, maybe you are single instead of married, and you want different coverage limits than the example. Even a minor change in the factors used in pricing a policy can result in a massive change in the price of a policy.
Each driver’s needs are different, and that demonstrates why the way we recommend to find cheap auto insurance rates for your Honda is to just compare rates yourself.
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The trim level of your vehicle impacts the yearly cost, so the rate you pay to insure a Civic DX 4-Dr Sedan trim level will be $446 less than the cost to insure the high end Civic SI 2-Dr Coupe version, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Civic DX 4-Dr Sedan||$220||$492||$358||$22||$108||$1,200||$100|
|Civic VP 4-Dr Sedan||$220||$580||$358||$22||$108||$1,288||$107|
|Civic LX 4-Dr Sedan||$220||$580||$358||$22||$108||$1,288||$107|
|Civic DX 2-Dr Coupe||$220||$580||$448||$26||$134||$1,408||$117|
|Civic EX 4-Dr Sedan||$220||$580||$358||$22||$108||$1,288||$107|
|Civic LX-S 4-Dr Sedan||$220||$580||$358||$22||$108||$1,288||$107|
|Civic LX 2-Dr Coupe||$220||$666||$448||$26||$134||$1,494||$125|
|Civic EX-L 4-Dr Sedan||$252||$666||$358||$22||$108||$1,406||$117|
|Civic SI 4-Dr Sedan||$252||$666||$358||$22||$108||$1,406||$117|
|Civic EX 2-Dr Coupe||$252||$666||$448||$26||$134||$1,526||$127|
|Civic GX 4-Dr Sedan||$252||$666||$358||$22||$108||$1,406||$117|
|Civic EX-L 2-Dr Coupe||$252||$666||$448||$26||$134||$1,526||$127|
|Civic Hybrid 4-Dr Sedan||$284||$580||$358||$22||$108||$1,352||$113|
|Civic SI 2-Dr Coupe||$284||$754||$448||$26||$134||$1,646||$137|
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Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Rates do not factor in zip code location which can modify price quotes greatly.
Deciphering which company offers the cheapest insurance rates for a Honda Civic involves more work than just comparing rates from one or two companies. Every insurance provider uses a little different formula for determining rates, so we’ll go over the insurance companies with the overall best prices in Texas.
Best Car Insurance Prices for Your Honda
|Rank||Company||Cost Per Year|
|3||Texas Farm Bureau||$1,247|
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Travelers quotes some of the best car insurance rates in Dallas at around $1,041 annually. This is $863 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also make the list of some of the more affordable Dallas, TX auto insurance companies.
In the above rates, if you have coverage with Germania Mutual and switched to Travelers, you may see annual savings of upwards of $241. Insureds with Esurance might save as much as $380 a year, and California Casualty insureds might cut rates by $383 a year.
To see if your current coverage is too expensive, click here to begin a quote or click through to the companies below.
Understand that those estimates are averages for all ages of drivers and types of vehicles and are not factoring in an exact zip code location for a Honda Civic. So the insurer that can offer you the best price may not even be in the top 23 companies in the list above. That emphasizes why you need to compare as many prices as possible using your own specific driver and vehicle information.
The illustration below illustrates how your choice of deductibles can affect premium costs when researching cheap insurance for a Honda Civic. The information is based on a single male driver, full physical damage coverage, and no discounts are taken into consideration.
As shown above, a 50-year-old driver could lower their policy premium by $414 a year by switching from a $100 deductible up to a $500 deductible, or save $618 by choosing a $1,000 deductible. Even younger insureds, like the 20-year-old example, could save as much as $1,384 or even more just by choosing higher deductibles. If you do decide to increase your deductibles, it will be important to have enough savings to be able to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
Does it make sense to buy full coverage?
Buying cheaper insurance is probably important to the majority of vehicle owners, and an easy way to save on the cost of insurance for a Honda Civic is to only buy liability coverage. The diagram below illustrates the difference between yearly insurance costs with full coverage compared to only the Texas minimum liability coverage. The premiums assume a clean driving record, no claims, $1,000 deductibles, marital status is single, and no additional discounts are factored in.
Averaged for all age groups, full coverage costs an additional $2,229 per year more than just buying liability only. Many drivers may wonder if buying full coverage is a good investment. There isn’t a written rule to delete physical damage coverage on your policy, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than about 10% of the replacement cost minus the deductible, then it may be the right time to buy liability only.
For example, let’s pretend your vehicle’s settlement value is $11,500 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, you would only receive $10,500 after the policy deductible has been paid. If premiums are more than $1,050 annually for your policy with full coverage, then it may be the right time to buy liability only.
The importance of shopping around
Texas insurance rates are influenced by many factors which can substantially change the cost of coverage. Simply having another birthday, moving to a new city, or having an at-fault accident can trigger rate changes that can cause some rates to be cheaper than competitors.
In addition to those changes, insurance companies amend premium rates as needed in order to offset underwriting gains or losses. Significantly higher losses may result in higher rates, while a lower level of claims can cause cheaper Civic insurance rates.
For example, the data below shows which companies have the cheapest car insurance in Dallas, TX for a 45-year-old male driver with a good driving record, no prior claims, and good credit. If we look at prices based on his current risk profile, Travelers may have the most affordable car insurance rates in Dallas at $1,311 a year. This is $593 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are the remainder of the cheapest Dallas, TX auto insurance companies.
Let’s now give the driver from above a couple of claims, slightly worse credit, and a traffic ticket or two. Since each insurance company uses their own formula to set policy rates, getting updated rate quotes could now result in a completely different list of the cheapest Dallas car insurance companies as shown below.
State Farm now has the lowest price in Dallas with USAA, Mercury, Nationwide, and Safe Auto now rounding out the top five. This example proves why it is crucial to shop around with many companies to get cheap auto insurance rates for a Honda Civic. Auto insurance prices are impacted by many different factors and change dramatically, so the best option six months ago may now be an over-priced policy.
How to find cheaper auto insurance for a Honda Civic
The list below details a few penny-pinching suggestions that can help you get more affordable coverage.
- Keep your driving record clean
- Get cheaper liability coverage by choosing a safer vehicle
- At-fault accidents can raise rates significantly
- Increase your comprehensive and collision deductibles
- If your vehicles are older, consider dropping full coverage
- Higher credit scores may earn you cheaper rates
- Shop around for cheaper prices often
That last tip is particularly significant, as was noted in this piece. Prices charged by companies change constantly, so drivers shouldn’t hesitate to buy a policy from a new company if a more affordable price is available. Brand loyalty is great, but is isn’t recommended if your bullheadedness ends up costing you a considerable chunk of change every month. Now is a great time to compare prices to find cheaper car insurance for a Honda Civic in Dallas.
The Dallas, TX, insurance agents below can most likely help you decide which is the best policy, as some drivers have questions and prefer to have some advice when comparing insurance rates for a Honda Civic. It can be time-consuming to find coverage yourself, and agents can provide satisfaction knowing your coverage gives you suitable coverage if you have an accident.
To locate an agency using an interactive map, click the button after the list or click here to compare rates now.
Phil Maxey – State Farm Insurance Agent
17304 Preston Rd Ste 125 – Dallas, TX 75252 – (972) 233-2222
12160 Abrams Rd – Dallas, TX 75243 – (972) 234-5588
State Farm: Dwight Hill
10300 N Central Expy #296 – Dallas, TX 75231 – (469) 232-2396
Sheaner Insurance, LLP
2501 Abrams Rd – Dallas, TX 75214 – (214) 823-3003
Larry Sandlin – State Farm Insurance Agent
4560 W Mockingbird Ln #120 – Dallas, TX 75209 – (214) 526-5227