Buying cheaper insurance for a Honda Civic in California hinges on a large number of factors such as whether you own a home, your profession, and if you have a history of accidents. California drivers pay around $1,559 each year for Civic insurance, but that price is a projection based upon a 30-year-old single female driver with full comprehensive and collision coverage and $1,000 deductibles.
More likely than not, you aren’t exactly 30 years old or even a female, maybe you are married instead of single, and maybe your Civic just needs liability-only coverage. Having what appears to be a very minor change in the criteria used to calculate rates can make a large difference in the cost of insuring your Civic.
There is no perfect policy for every driver, so the way we recommend to find cheap insurance prices for your Honda is to do the rate comparisons yourself. Get your free quotes now and you will be able to see rates from some of the cheapest companies available.
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The specific trim level will have an impact the insurance rate, so the price to insure a Civic DX 4-Dr Sedan will be $502 less expensive the price to insure the higher-priced Civic SI 2-Dr Coupe trim level, as shown below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $204 | $446 | $596 | $36 | $178 | $1,460 | $122 |
| Civic VP 4-Dr Sedan | $204 | $524 | $596 | $36 | $178 | $1,538 | $128 |
| Civic LX 4-Dr Sedan | $204 | $524 | $596 | $36 | $178 | $1,538 | $128 |
| Civic DX 2-Dr Coupe | $204 | $524 | $746 | $44 | $224 | $1,742 | $145 |
| Civic EX 4-Dr Sedan | $204 | $524 | $596 | $36 | $178 | $1,538 | $128 |
| Civic LX-S 4-Dr Sedan | $204 | $524 | $596 | $36 | $178 | $1,538 | $128 |
| Civic LX 2-Dr Coupe | $204 | $604 | $746 | $44 | $224 | $1,822 | $152 |
| Civic EX-L 4-Dr Sedan | $234 | $604 | $596 | $36 | $178 | $1,648 | $137 |
| Civic SI 4-Dr Sedan | $234 | $604 | $596 | $36 | $178 | $1,648 | $137 |
| Civic EX 2-Dr Coupe | $234 | $604 | $746 | $44 | $224 | $1,852 | $154 |
| Civic GX 4-Dr Sedan | $234 | $604 | $596 | $36 | $178 | $1,648 | $137 |
| Civic EX-L 2-Dr Coupe | $234 | $604 | $746 | $44 | $224 | $1,852 | $154 |
| Civic Hybrid 4-Dr Sedan | $264 | $524 | $596 | $36 | $178 | $1,598 | $133 |
| Civic SI 2-Dr Coupe | $264 | $684 | $746 | $44 | $224 | $1,962 | $164 |
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Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Table data does not factor in vehicle location which can alter coverage rates considerably.
Locating cheap auto insurance is tough enough, and deciding which company has the best insurance rates for a Honda Civic may require a little more work.
Each insurance company uses a slightly different approach for setting prices, so first we will examine the insurance companies with the most affordable rates in Sacramento.
Find the Cheapest Auto Insurance for Your Honda
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Wawanesa | $1,146 |
| 2 | USAA | $1,155 |
| 3 | Century National | $1,190 |
| 4 | Nationwide | $1,213 |
| 5 | CSAA | $1,222 |
| 6 | 21st Century | $1,379 |
| 7 | Grange | $1,433 |
| 8 | Allstate | $1,497 |
| 9 | Mercury | $1,533 |
| 10 | Progressive | $1,542 |
| 11 | GEICO | $1,559 |
| 12 | Allied | $1,603 |
| 13 | MetLife | $1,638 |
| 14 | The Hartford | $1,639 |
| 15 | State Farm | $1,682 |
| 16 | Unitrin | $1,682 |
| 17 | Esurance | $1,688 |
| 18 | Travelers | $1,788 |
| 19 | Bristol West | $1,849 |
| 20 | Farmers | $2,006 |
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Wawanesa generally has some of the cheapest car insurance rates in Sacramento at around $1,146 a year. This is $505 less than the average policy premium paid by California drivers of $1,651. USAA, Century National, Nationwide, and CSAA would also make the list of some of the lowest-priced Sacramento, CA auto insurance companies.
As the rates illustrate above, if you are insured with Century National and switched to Wawanesa, you might see an annual savings of approximately $44. Customers with Nationwide may save as much as $67 a year, and CSAA customers might reduce rates by $76 a year.
To discover how much you can save, click here to get quotes or visit several of the following companies.
Bear in mind that those policy rates are averaged for all types of drivers and the different vehicles they drive and and are not calculated with an exact location for a Honda Civic. So the company that has the lowest price for you may not even be in the top 24 companies in the list above. That affirms the importance of why you need to get quotes using your own driver information and specific vehicle type.
Discount Sacramento car insurance
Auto insurance companies that provide coverage for a Honda Civic may also give you discounts that could reduce prices by as much as 35% if you meet certain criteria. The best insurance companies and a summarized list of policyholder discounts are outlined below.
- State Farm has discounts for Drive Safe & Save, defensive driving training, safe vehicle, student away at school, good driver, and multiple policy.
- Nationwide offers discounts including accident-free, defensive driving, Farm Bureau membership, multi-policy, family plan, and business or organization.
- GEICO offers discounts for federal employee, seat belt use, multi-vehicle, defensive driver, good student, and multi-policy.
- AAA may offer discounts for pay-in-full, AAA membership discount, anti-theft, education and occupation, multi-policy, and good driver.
- 21st Century may include discounts for automatic seat belts, good student, 55 and older, teen driver, student driver, and theft prevention.
- The Hartford policyholders can earn discounts including good student, bundle, defensive driver, driver training, and anti-theft.
The diagram below compares auto insurance rates with and without policy discounts. The rate quotes are based on a male driver, no violations or accidents, California state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with multiple vehicle, marriage, homeowner, defensive driving course, multiple policy, and vehicle safety discounts applied. When discounts are factored in, the average savings per year on insurance for a Honda Civic is 28% or $883.
Low rates can quickly become overpriced
California insurance rates are determined by lots of factors that may substantially change the price of your policy. Simply having a birthday, having a teenage driver, or getting a reckless driving citation may generate price changes resulting in some rates now being cheaper in comparison to the competition. Not only may your risk profile change, but auto insurance companies change their prices as often as every three months to adjust for heavy claims or excess profits. Significantly higher claims can cause more expensive premiums, while a better claims history may cause more affordable Civic insurance rates.
For instance, the bar chart below shows the companies that have the cheapest car insurance in Sacramento, CA for a 30-year-old male driver with no accidents, a clean driving record, and solid credit. Based on his current situation, USAA may offer the lowest car insurance rates in Sacramento at $1,530 per year. This is $121 less than the average price paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide are the remaining cheapest Sacramento, CA auto insurance companies.
Now let’s give the driver in the first example an accident surcharge, a lower credit score, and a couple of points charged on his driving record. Since every car insurance company has a unique approach to determine rates, comparing quotes could now result in a different list of cheap Sacramento auto insurance companies as shown below.
Grange now has the best price in Sacramento, CA with Mercury, GEICO, Allstate, and Progressive now rounding out the top five. This illustrates why it is important to perform a complete rate comparison to find cheap car insurance quotes for a Honda Civic. Prices are impacted by many factors and change dramatically, so the most affordable company the last time you checked may now be an over-priced policy.
How to find more affordable auto insurance for a Honda Civic
It’s not impossible to find cheaper rates, and here are a few thrifty suggestions that can help California drivers find cheap car insurance.
- Avoid price increases by not filing claims
- You will pay more if you get tickets or have at-fault accidents
- Home or renters coverage can save on auto insurance
- Get cheaper liability coverage by choosing a safer vehicle
- Avoid accidents and claims
- Shop around for cheaper prices
The last item on the list is especially important, as we noted in the article above. Prices charged by companies change frequently, so don’t be afraid to switch carriers if you find a cheaper price. Having brand loyalty is commendable, but we do not recommend it if that faithfulness ends up costing you major coinage every year. In just a few minutes you could shop around and find cheaper car insurance for a Honda Civic in Sacramento.