Finding cheaper auto insurance for a Honda Civic is pretty easy for most people to do, but it hinges on a large number of rating criteria such as whether you are single or married, whether or not you have prior claims, and any past driving violations you may have had. Texas drivers pay on average $1,425 a year to insure their Civic, but that cost is an estimation using a 40-year-old single female driver with full comprehensive and collision coverage and $500 deductibles.
More likely than not, you are not 40 and maybe not even a female, married instead of single, or maybe you just want liability only instead of full coverage. This example demonstrates why the way we recommend to find cheap insurance prices for your Honda is to do your own rate comparisons. In just a couple of minutes you can get rates from the best auto insurance companies that insure Honda vehicles in Texas.
The trim level of your Civic will most likely have an effect on the cost of insurance, so the price you will be charged to insure a Civic DX 4-Dr Sedan will be $470 lower than the price to insure the more well-appointed Civic SI 2-Dr Coupe model, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Civic DX 4-Dr Sedan||$200||$452||$496||$30||$148||$1,326||$111|
|Civic VP 4-Dr Sedan||$200||$532||$496||$30||$148||$1,406||$117|
|Civic LX 4-Dr Sedan||$200||$532||$496||$30||$148||$1,406||$117|
|Civic DX 2-Dr Coupe||$200||$532||$620||$36||$186||$1,574||$131|
|Civic EX 4-Dr Sedan||$200||$532||$496||$30||$148||$1,406||$117|
|Civic LX-S 4-Dr Sedan||$200||$532||$496||$30||$148||$1,406||$117|
|Civic LX 2-Dr Coupe||$200||$614||$620||$36||$186||$1,656||$138|
|Civic EX-L 4-Dr Sedan||$230||$614||$496||$30||$148||$1,518||$127|
|Civic SI 4-Dr Sedan||$230||$614||$496||$30||$148||$1,518||$127|
|Civic EX 2-Dr Coupe||$230||$614||$620||$36||$186||$1,686||$141|
|Civic GX 4-Dr Sedan||$230||$614||$496||$30||$148||$1,518||$127|
|Civic EX-L 2-Dr Coupe||$230||$614||$620||$36||$186||$1,686||$141|
|Civic Hybrid 4-Dr Sedan||$260||$532||$496||$30||$148||$1,466||$122|
|Civic SI 2-Dr Coupe||$260||$694||$620||$36||$186||$1,796||$150|
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Prices do not factor in specific garaging location which can alter auto insurance rates noticeably.
Deciphering which company quotes the cheapest auto insurance rates for a Honda Civic takes a tad more effort in order to find the lowest price.
Each insurer has their own guidelines for determining prices, so we’ll take a look at the overall cheapest auto insurance companies in Texas. It’s important to understand that Fort Worth auto insurance rates are determined by lots of factors that control the cost of coverage. Improving your credit rating, buying a different home, or getting into an accident can produce rate changes that can make some companies more affordable than others.
Find the Cheapest Auto Insurance for Your Honda
Travelers offers some of the most affordable car insurance rates in Fort Worth at around $1,052 annually. This is $852 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty also qualify as some of the cheaper Fort Worth, TX auto insurance companies.
In the rate table above, if you are currently insured with Germania Mutual and switched to USAA, you may see a yearly savings of about $172. Texas drivers with California Casualty might save as much as $312 a year, and Esurance customers might reduce rates by $323 a year.
To find the cheapest rates for your vehicle, click here to start a quote or feel free to get quotes from the companies below.
Remember that these policy prices are averaged across all types of drivers and the different vehicles they drive and and are not figured with a specific vehicle garaging location for a Honda Civic. So the car insurance company that can offer you the best rate may not even be in the top 23 companies shown above. That underscores the importance of why you need to quote rates from as many companies as possible using your own specific driver information and vehicle.
Difference between liability only and full coverage rates
Saving on auto insurance is the goal of most vehicle owners, and one of the fastest ways to pay lower rates for insurance for a Honda Civic is to only pay for liability coverage. The example below illustrates the difference between auto insurance costs with full physical damage coverage compared to only buying liability only. The data is based on no accidents, no driving violations, $1,000 deductibles, drivers are single, and no additional discounts are factored in.
If the expense is averaged for all age categories, full coverage on your policy costs an extra $1,964 per year more than carrying just liability coverage. That proposes the question if buying full coverage is a waste of money. There is no set rule of when to phase out full coverage on your policy, but there is a general guideline you can use. If the annual cost of having full coverage is 10% or more of the replacement cost minus the deductible, then it may be the right time to buy liability only.
For example, let’s assume your vehicle’s replacement value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, you would only receive $8,000 after the policy deductible has been paid. If you are paying over $800 a year for your policy with full coverage, then you might want to think about dropping full coverage.
There are some cases where dropping physical damage coverage is not advised. If you still have a loan on your vehicle, you must maintain physical damage coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should not consider dropping full coverage.
Bad driving habits will cost you more
The common sense way to enjoy the most affordable auto insurance rates for a Civic is to be a good driver and avoid accidents and traffic violations. The chart below demonstrates how speeding tickets and at-fault fender-benders influence car insurance costs for different age groups. The rate quotes are based on a single male driver, comp and collision included, $250 deductibles, and no policy discounts are applied.
In the previous example, the average cost of car insurance in Fort Worth per year with no accidents and a clean driving record is $2,487. Get two speeding tickets and the average cost jumps to $3,299, an increase of $812 each year. Then throw in two accidents along with the two speeding tickets and the annual cost of auto insurance for a Honda Civic increases to an average of $6,280. That’s an increase of $3,792, or $316 per month, just for being a careless driver!
Who has the cheapest Civic insurance?
Texas auto insurance rates are impacted by many factors that can increase the price of your policy. Simply getting older, buying a home instead of renting, or having an at-fault accident may prompt premium changes that can make some companies more affordable than others. In addition to those changes, auto insurance companies modify rates multiple times each year to adjust for gains or losses. Higher than normal claim frequency or severity can result in more expensive prices, while a lower level of claims may cause lower-cost Civic insurance rates.
To illustrate this example, the chart below shows which company has the cheapest car insurance in Fort Worth, TX for a 45-year-old female driver with no accidents or violations, and good credit. If we estimate prices based on her personal risk profile, Travelers might quote the cheapest car insurance rates in Fort Worth at $1,090 a year. This is $814 less than the average policy premium paid by Texas drivers of $1,904. USAA, Germania Mutual, Texas Farm Bureau, and Esurance are the remainder of the cheapest Fort Worth, TX auto insurance companies.
The chart below compares rates after we give the driver from above an at-fault accident, slightly worse credit, and a few traffic violations. Since every car insurance company has a different formula for determining rates in each state, comparing prices may result in a different set of the cheapest Fort Worth car insurance companies as shown below.
State Farm now has the best insurance rate in Fort Worth with Mercury, USAA, Safe Auto, and Nationwide now rounding out the top five. This demonstrates why it is critical to perform a complete rate comparison to get the most affordable car insurance quotes for a Honda Civic. Auto insurance prices can be altered by many things and change substantially, so the most economical option three years ago may now be quite expensive.
The Fort Worth, TX, insurance agents below can aid you in deciding which auto insurance policy fits you best, since some drivers have questions and prefer to have a little guidance when comparing insurance rates for a Honda Civic. It can be time-consuming to do it yourself, and getting advice from a licensed agent can provide satisfaction knowing you have sufficient coverage at claim time. To locate an agency closest to you, click the button below the list or click here to compare price quotes.
- Bill Carter – State Farm Insurance Agent
3525 Denton Hwy – Fort Worth, TX 76117 – (817) 838-2342
- Mike McAda – State Farm Insurance Agent
8501 Boat Club Rd – Fort Worth, TX 76179 – (817) 236-8781
- Amado Flores – State Farm Insurance Agent
3345 Western Center Blvd Ste 180 – Fort Worth, TX 76137 – (817) 232-3000
- Doc Jackson Insurance Agency
3305 Miller Ave – Fort Worth, TX 76119 – (817) 535-5000
- Raudel Flores – State Farm Insurance Agent
4200 South Fwy #102 – Fort Worth, TX 76115 – (817) 926-9537
Tips to find budget-friendly auto insurance for a Honda Civic
It is possible to find better rates, and here are some of the better thrifty ideas that can help you find lower-cost auto insurance.
- Raise deductibles to save money
- Pay less by remaining claim-free
- The safer your car, the less it costs to insure
- Drivers with good credit ratings often pay less
- Bundle home and auto and earn a discount
- Drop full coverage on older vehicles
- Check for cheaper rates once a year
That last tip is very important, as was affirmed in the article above. Coverage prices can change in a short period of time, so drivers shouldn’t hesitate to buy from a new company if a more affordable price is available. Having a favorite company is great, but it isn’t a good idea if that stubbornness costs you several hundred dollars every year. Spend a few minutes and compare prices to find cheaper auto insurance for a Honda Civic in Fort Worth.