Buying the cheapest insurance for a Honda Civic relies on a lot of factors such as whether you own a home, the condition of your credit, and driving citations. Drivers pay approximately $1,395 annually to insure their Civic, but that figure is based upon a 50-year-old single female driver with full comprehensive and collision coverage and $250 deductibles.
There’s a good chance you may not be 50 years old (or even female), married instead of single, or maybe you’re a renter instead of a homeowner. Even a slight change in the rating criteria used to formulate rates could result in a significant change in the cost of insurance.
Not everyone needs the same coverages, so the way we recommend to find cheap insurance prices for your Honda is to just compare rates yourself.
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Vehicle trim level will be a contributing factor to the coverage cost, so the cost to insure a Civic DX 4-Dr Sedan model will be $474 less than the price to insure the more expensive Civic SI 2-Dr Coupe trim level, as demonstrated by the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $220 | $486 | $430 | $26 | $128 | $1,290 | $108 |
| Civic VP 4-Dr Sedan | $220 | $572 | $430 | $26 | $128 | $1,376 | $115 |
| Civic LX 4-Dr Sedan | $220 | $572 | $430 | $26 | $128 | $1,376 | $115 |
| Civic DX 2-Dr Coupe | $220 | $572 | $538 | $32 | $162 | $1,524 | $127 |
| Civic EX 4-Dr Sedan | $220 | $572 | $430 | $26 | $128 | $1,376 | $115 |
| Civic LX-S 4-Dr Sedan | $220 | $572 | $430 | $26 | $128 | $1,376 | $115 |
| Civic LX 2-Dr Coupe | $220 | $660 | $538 | $32 | $162 | $1,612 | $134 |
| Civic EX-L 4-Dr Sedan | $254 | $660 | $430 | $26 | $128 | $1,498 | $125 |
| Civic SI 4-Dr Sedan | $254 | $660 | $430 | $26 | $128 | $1,498 | $125 |
| Civic EX 2-Dr Coupe | $254 | $660 | $538 | $32 | $162 | $1,646 | $137 |
| Civic GX 4-Dr Sedan | $254 | $660 | $430 | $26 | $128 | $1,498 | $125 |
| Civic EX-L 2-Dr Coupe | $254 | $660 | $538 | $32 | $162 | $1,646 | $137 |
| Civic Hybrid 4-Dr Sedan | $286 | $572 | $430 | $26 | $128 | $1,442 | $120 |
| Civic SI 2-Dr Coupe | $286 | $746 | $538 | $32 | $162 | $1,764 | $147 |
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Data rating is based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Premium costs do not factor in the specific area where the vehicle is garaged which can modify rates significantly.
Which car insurance company is best in Houston?
Ending up with the right car insurance provider is hard considering how many choices there are in Houston. The ranking information in the lists below could help you choose which auto insurance companies to look at when looking for cheaper rates. The rankings below include major nationwide insurance companies, so smaller companies that only insure vehicles in Texas are not included in these rankings.
Top 10 Large Auto Insurance Providers Overall in Houston
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
Impact of speeding/accidents on Houston car insurance rates
The obvious way to get good car insurance premiums for a Civic is to drive cautiously and maintain a clean driving record. The diagram below illustrates how speeding tickets and at-fault accidents drive up yearly insurance costs for each age group. The price estimates are based on a married male driver, comp and collision included, $100 deductibles, and no discounts are applied to the premium.
The data in the chart shows the average cost of an auto insurance policy in Texas per year with no accidents and a clean driving record is $2,711. Get one speeding ticket and the average cost surges to $3,117, an increase of $406 each year. Now include two accidents along with the one speeding ticket and the 12-month cost of car insurance for a Honda Civic jumps again to an average of $6,603. That’s an increase of $3,892, or $324 per month, just for not driving attentively!
Types of discounts on Houston insurance
Insurers that offer coverage for a Honda Civic could also offer price discounts that can lower rates by 40% or more if you qualify. Popular car insurance companies and some of the discounts include:
- Travelers includes discounts for continuous insurance, multi-car, hybrid/electric vehicle, early quote, multi-policy, save driver, and student away at school.
- 21st Century policyholders can earn discounts including driver training, defensive driver, homeowners, early bird, good student, 55 and older, and theft prevention.
- State Farm offers premium reductions for multiple policy, anti-theft, defensive driving training, good student, and student away at school.
- GEICO discounts include good student, military active duty, multi-policy, seat belt use, and air bags.
- SAFECO has discounts for safe driver, accident prevention training, multi-car, bundle discounts, teen safety rewards, and homeowner.
- AAA offers discounts for multi-car, AAA membership discount, education and occupation, multi-policy, pay-in-full, anti-theft, and good driver.
The chart below illustrates the comparison of insurance rates with and without some available policy discounts. The rates are based on a female driver, a clean driving record, no at-fault accidents, Texas state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows the price with no discounts. The second shows the rates with claim-free, passive restraint, accident-free, vehicle safety, defensive driving course, and homeowner discounts applied. When discounts are factored in, theaverage amount saved on car insurance for a Honda Civic is 28% or $614.
Cost difference between full coverage and liability
Paying less for car insurance is probably important to most drivers, and one common way to pay lower rates for insurance for a Honda Civic is to only buy liability insurance. The diagram below illustrates the difference between insurance costs with full physical damage coverage and with liability coverage only. The premium estimates are based on no tickets, no at-fault accidents, $500 deductibles, single marital status, and no discounts are factored in.
On average, full coverage costs $2,615 per year more than just buying liability insurance. That is a big expense that brings up the question if you should buy full coverage. There is no clear-cut formula to eliminate physical damage coverage, but there is a general guideline. If the annual cost of comprehensive and collision coverage is about 10% or more of the settlement you would receive from your company, then you may want to consider only buying liability coverage.
For example, let’s assume your vehicle’s claim settlement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most your company would pay you is $6,000 after the policy deductible has been paid. If it’s costing in excess of $600 a year to have full coverage, then it could be time to drop full coverage.
There are some situations where eliminating full coverage is not financially feasible. If you still have a loan on your vehicle, you have to maintain full coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not drop full coverage.
If you like to have some professional guidance when buying car insurance for a Honda Civic, the agencies below can probably provide answers to your questions and help you determine which policy is best. To locate a Houston car insurance agency by location nearest to you, click the button after the list.
- Dean and Draper Insurance Agency, LP
3131 W Alabama St #150 – Houston, TX 77098 – (713) 527-0444 - Suzanne Brown Agency-Insurance
11999 Katy Fwy #635 – Houston, TX 77079 – (281) 558-2210 - Sean Wong – State Farm Insurance Agent
7035 Hwy 6 N – Houston, TX 77095 – (281) 550-0555 - Texas Insurance
210 W Greens Rd # B – Houston, TX 77067 – (281) 872-6100