How to Compare Fort Worth Honda Civic Insurance

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Insurance quote for Honda Civic in Fort WorthHow long have you put off shopping around for low-cost Honda Civic insurance in Fort Worth? Trying to find cheaper insurance for your Honda Civic in Texas can turn out to be difficult, but you can learn the following methods to find lower rates.

There are both good and bad ways to compare auto insurance rates and you need to know the proper way to quote coverages on a Honda and find the cheapest rates either online or from Fort Worth insurance agents.

Finding more affordable Honda Civic insurance quotes can be relatively painless. The only thing you need to do is spend a little time to compare rate quotes to see which company has affordable Honda Civic insurance quotes.

The companies shown below provide free quotes in Texas. If multiple companies are shown, we suggest you visit two to three different companies to find the cheapest auto insurance rates.

Honda Civic insurance analysis

The data table displayed next outlines different insurance costs for Honda Civic models. Having a good grasp of how premiums are established can assist in making smart choices when purchasing an auto insurance policy.

Honda Civic Insurance Rates in Fort Worth, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $156 $358 $462 $28 $138 $1,142 $95
Civic VP 4-Dr Sedan $156 $422 $462 $28 $138 $1,206 $101
Civic LX 4-Dr Sedan $156 $422 $462 $28 $138 $1,206 $101
Civic DX 2-Dr Coupe $156 $422 $576 $34 $172 $1,360 $113
Civic EX 4-Dr Sedan $156 $422 $462 $28 $138 $1,206 $101
Civic LX-S 4-Dr Sedan $156 $422 $462 $28 $138 $1,206 $101
Civic LX 2-Dr Coupe $156 $486 $576 $34 $172 $1,424 $119
Civic EX-L 4-Dr Sedan $178 $486 $462 $28 $138 $1,292 $108
Civic SI 4-Dr Sedan $178 $486 $462 $28 $138 $1,292 $108
Civic EX 2-Dr Coupe $178 $486 $576 $34 $172 $1,446 $121
Civic GX 4-Dr Sedan $178 $486 $462 $28 $138 $1,292 $108
Civic EX-L 2-Dr Coupe $178 $486 $576 $34 $172 $1,446 $121
Civic Hybrid 4-Dr Sedan $202 $422 $462 $28 $138 $1,252 $104
Civic SI 2-Dr Coupe $202 $550 $576 $34 $172 $1,534 $128
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Price data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Prices do not factor in specific location information which can change premiums noticeably.

Can higher deductibles save money?

When buying insurance, a common question is how high should the physical damage deductibles be. The comparisons below approximate how much more you'll pay between low and high deductibles. The first rate estimation uses a $100 deductible for comprehensive and collision coverage and the second set of rates uses a $500 deductible.

Honda Civic insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $286 $592 $382 $22 $114 $1,421 $118
Civic VP 4-Dr Sedan $286 $698 $382 $22 $114 $1,527 $127
Civic LX 4-Dr Sedan $286 $698 $382 $22 $114 $1,527 $127
Civic DX 2-Dr Coupe $286 $698 $476 $28 $142 $1,655 $138
Civic EX 4-Dr Sedan $286 $698 $382 $22 $114 $1,527 $127
Civic LX-S 4-Dr Sedan $286 $698 $382 $22 $114 $1,527 $127
Civic LX 2-Dr Coupe $286 $804 $476 $28 $142 $1,761 $147
Civic EX-L 4-Dr Sedan $328 $804 $382 $22 $114 $1,675 $140
Civic SI 4-Dr Sedan $328 $804 $382 $22 $114 $1,675 $140
Civic EX 2-Dr Coupe $328 $804 $476 $28 $142 $1,803 $150
Civic GX 4-Dr Sedan $328 $804 $382 $22 $114 $1,675 $140
Civic EX-L 2-Dr Coupe $328 $804 $476 $28 $142 $1,803 $150
Civic Hybrid 4-Dr Sedan $370 $698 $382 $22 $114 $1,611 $134
Civic SI 2-Dr Coupe $370 $908 $476 $28 $142 $1,949 $162
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Honda Civic insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $208 $400 $382 $22 $114 $1,126 $94
Civic VP 4-Dr Sedan $208 $472 $382 $22 $114 $1,198 $100
Civic LX 4-Dr Sedan $208 $472 $382 $22 $114 $1,198 $100
Civic DX 2-Dr Coupe $208 $472 $476 $28 $142 $1,326 $111
Civic EX 4-Dr Sedan $208 $472 $382 $22 $114 $1,198 $100
Civic LX-S 4-Dr Sedan $208 $472 $382 $22 $114 $1,198 $100
Civic LX 2-Dr Coupe $208 $542 $476 $28 $142 $1,396 $116
Civic EX-L 4-Dr Sedan $240 $542 $382 $22 $114 $1,300 $108
Civic SI 4-Dr Sedan $240 $542 $382 $22 $114 $1,300 $108
Civic EX 2-Dr Coupe $240 $542 $476 $28 $142 $1,428 $119
Civic GX 4-Dr Sedan $240 $542 $382 $22 $114 $1,300 $108
Civic EX-L 2-Dr Coupe $240 $542 $476 $28 $142 $1,428 $119
Civic Hybrid 4-Dr Sedan $270 $472 $382 $22 $114 $1,260 $105
Civic SI 2-Dr Coupe $270 $614 $476 $28 $142 $1,530 $128
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Rate quotes do not factor in zip code location which can change coverage prices significantly.

Using the data above, we can ascertain that using a $100 deductible will cost you roughly $30 more each month or $360 a year than buying the higher $500 deductible. Due to the fact that you would have to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you normally go at a minimum 13 months between claims, you would probably come out ahead by selecting a higher deductible.

How accidents and violations affect rates

The information below illustrates how traffic citations and at-fault collisions can increase Honda Civic insurance prices for different age groups of insureds. The premium estimates are based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no additional discounts are factored in.

Difference between liability only and full coverage rates

The diagram below shows the difference between Honda Civic auto insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Texas. The prices are based on no claims or driving citations, $500 deductibles, drivers are single, and no discounts are factored in.

When to drop full coverage

There is no definitive formula for phasing out comprehensive and collision coverage on your policy, but there is a general school of thought. If the yearly cost of comp and collision coverage is more than about 10% of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.

For example, let's say your Honda Civic replacement cost is $4,000 and you have $1,000 deductibles. If your vehicle is totaled, you would only receive $3,000 after paying your policy deductible. If premiums are more than $300 annually for physical damage coverage, then it may be the right time to buy liability only.

There are some circumstances where only buying liability is not a good plan. If you still owe a portion of the original loan, you have to maintain full coverage in order to keep the loan. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should not consider dropping full coverage.

Lower Your Fort Worth Insurance Prices

Smart consumers have a good feel for some of the things that help calculate your premiums. If you understand what positively or negatively impacts your premiums, this allows you to make good choices that could help you find better auto insurance rates. Lots of factors are considered when premium rates are determined. Some are pretty understandable like your driving record, although others are more obscure like your continuous coverage or how safe your car is.

The following are some of the most common factors that factor into prices.

Do you know you're credit rating? - A driver's credit rating is a large factor in determining what you pay. Insureds that have good credit tend to be less risk to insure than drivers with worse credit. So if your credit rating can be improved, you may save money insuring your Honda Civic by taking the time to improve your credit score.

Higher rates for specific employers - Jobs such as judges, executives, and stock brokers have higher rates than the rest of us due to intense work-related stress and lots of time spent away from family. On the flip side, jobs such as scientists, historians and homemakers pay the least.

Fast cars cost more to insure - The make and model of the car you are insuring makes a big difference in your premium level. Low performance passenger models usually are quite affordable to insure, but the cost you end up paying is determined by many additional factors.

The following chart is based on a single female driver age 40, full coverage with $500 deductibles, and no discounts or violations. It shows Honda Civic rates compared to other makes and models that have a range of performance rating factors.

Little extras can really add up - Policies have add-on coverages that you can buy if you aren't diligent. Things like rental car coverage, towing, and extra equipment coverage are examples of these. The coverages may be enticing when you first buy your policy, but your needs may have changed so think about removing them and cutting costs.

Can a thief steal your car? - Owning a car that has a built-in theft deterrent system can help bring down rates. Theft prevention features such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack can thwart car theft.

Increase comp and collision deductibles and save - The deductibles are how much you are required to spend out-of-pocket before your auto insurance pays a claim. Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, protects your car from damage. Some examples of claims that would be covered are colliding with a stationary object, damage from fire, or theft of your vehicle. The more money you pay before a claim is paid (deductible), the less your auto insurance will be.

Honda Civic claim data - Car insurance companies take into consideration insurance loss statistics for every vehicle when they calculate premium rates for each model. Vehicles that the data shows to have increased claim numbers or amounts will have a higher cost to insure. The table below shows the loss history for Honda Civic vehicles.

For each coverage category, the statistical loss for all vehicles, regardless of make, model or trim level, is set at 100. Values that are under 100 suggest losses that are better than average, while values that are above 100 point to more frequent losses or an increased chance of larger losses than average.

Honda Civic Insurance Claim Statistics
Specific Honda 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
BETTER
AVERAGE
WORSE

Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Car insurance does more than just repair your car

Despite the high insurance cost for a Honda Civic in Fort Worth, buying car insurance may not be optional for several reasons.

  • The majority of states have mandatory insurance requirements which means you are required to carry specific limits of liability insurance if you don't want to risk a ticket. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
  • If you bought your Honda with a loan, most banks will stipulate that you have comprehensive coverage to guarantee payment of the loan. If you let the policy lapse, the bank or lender will purchase a policy for your Honda at a more expensive rate and force you to pay the higher price.
  • Car insurance protects not only your vehicle but also your financial assets. It will also provide coverage for all forms of medical expenses for you, your passengers, and anyone else injured in an accident. One policy coverage, liability insurance, also covers all legal expenses up to the policy limit if you are sued as the result of an accident. If damage is caused by hail or an accident, your car insurance policy will cover the damage repairs after a deductible is paid.

The benefits of insuring your car more than offset the price you pay, especially with large liability claims. Unknowingly, the average driver is overpaying over $825 a year so you should quote and compare rates at every policy renewal to save money.