Buying the best cheap car insurance for a Honda Civic can be pretty simple, but it hinges on a very complex rating algorithm that uses multiple factors such as the mileage of your daily commute, if you are a frequent claim filer, and your policy deductibles. Drivers pay around $1,223 per year to insure their Civic, but that figure is a projection calculated based on a 30-year-old married female driver with full comprehensive and collision coverage and $1,000 deductibles.
It’s more than likely you’re not a 30-year-old female, single instead of married, or maybe you don’t qualify for the same discounts. Having what appears to be a very minor change in policy rating criteria or coverages can result in a large change in the cost of insurance.
Every driver’s needs are different, and that is why the best way to find cheap insurance prices for your Honda is to compare rates from as many companies as possible. It only takes a couple of minutes and you will receive prices from some of the best insurers in California.
The specific model of Civic tends to impact the cost of coverage, so the cost to insure a Civic DX 4-Dr Sedan trim level will be $398 less expensive the cost to insure the more costly 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||$178||$354||$450||$26||$134||$1,142||$95|
|Civic VP 4-Dr Sedan||$178||$418||$450||$26||$134||$1,206||$101|
|Civic LX 4-Dr Sedan||$178||$418||$450||$26||$134||$1,206||$101|
|Civic DX 2-Dr Coupe||$178||$418||$564||$34||$168||$1,362||$114|
|Civic EX 4-Dr Sedan||$178||$418||$450||$26||$134||$1,206||$101|
|Civic LX-S 4-Dr Sedan||$178||$418||$450||$26||$134||$1,206||$101|
|Civic LX 2-Dr Coupe||$178||$482||$564||$34||$168||$1,426||$119|
|Civic EX-L 4-Dr Sedan||$204||$482||$450||$26||$134||$1,296||$108|
|Civic SI 4-Dr Sedan||$204||$482||$450||$26||$134||$1,296||$108|
|Civic EX 2-Dr Coupe||$204||$482||$564||$34||$168||$1,452||$121|
|Civic GX 4-Dr Sedan||$204||$482||$450||$26||$134||$1,296||$108|
|Civic EX-L 2-Dr Coupe||$204||$482||$564||$34||$168||$1,452||$121|
|Civic Hybrid 4-Dr Sedan||$230||$418||$450||$26||$134||$1,258||$105|
|Civic SI 2-Dr Coupe||$230||$544||$564||$34||$168||$1,540||$128|
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Data rating is based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Estimates do not factor in specific location information which can alter premiums substantially.
Ending up with a high-quality insurer can be a challenge considering how many different companies there are to choose from in Riverside. The ranking data shown below may help you select which auto insurers to look at when comparing rate quotes. The ratings below are for companies who write in the majority of U.S. states, so smaller regional companies are not included in this list.
Top 10 Large Auto Insurers in Riverside Ranked by Value
- American Family
- The Hartford
- AAA of Southern California
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
Top 10 Large Auto Insurers in Riverside Ranked by Claims Service
- AAA of Southern California
- State Farm
- AAA Insurance
- Liberty Mutual
- Titan Insurance
- The Hartford
How violations and accidents impact rates
The ideal way to earn the best car insurance prices in California for a Civic is to drive safely and avoid traffic citations and accidents. The diagram below demonstrates how speeding tickets and accidents can impact insurance costs for different age groups. The information is based on a married female driver, comp and collision included, $100 deductibles, and no policy discounts are applied.
In the chart above, the average cost of an auto insurance policy in Riverside per year with a clean driving record and no accidents is $2,821. Add in one speeding ticket and the average cost rises to $3,292, an increase of $471 each year. Then throw in two accidents along with the one speeding ticket and the yearly cost of car insurance for a Honda Civic increases to an average of $7,334. That’s an increase of $4,513, or $376 per month, just for not driving safely!
Get discounts on Riverside car insurance
Insurance providers that provide policies for a Honda Civic could also offer price discounts that could lower prices by as much as 35% if you are eligible for them. The best car insurance companies and the discounts they provide can be read below.
- GEICO may offer discounts for anti-lock brakes, good student, multi-policy, multi-vehicle, and anti-theft.
- Travelers offers premium reductions for early quote, multi-car, save driver, hybrid/electric vehicle, and driver training.
- Farm Bureau offers discounts including renewal discount, good student, safe driver, multi-policy, youthful driver, and multi-vehicle.
- Liberty Mutual discounts include multi-policy, multi-car, new vehicle discount, newly married, exclusive group savings, preferred payment discount, and teen driver discount.
- American Family offers discounts for good student, accident-free, good driver, TimeAway discount, and air bags.
- Progressive may include discounts for multi-policy, online signing, continuous coverage, multi-vehicle, good student, and homeowner.
The information below compares annual premium costs with and without discounts. The premium estimates are based on a female driver, no violations or accidents, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.
The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with anti-theft, accident-free, passive restraint, claim-free, defensive driving course, and homeowner discounts applied. When these discounts are applied, theamount saved on car insurance for a Honda Civic is 28% or $648.
Here’s why price comparisons are so important
Riverside, CA car insurance rates are based on many factors that may substantially change the price you have to pay. Improving your credit score, increasing liability limits, or getting a few speeding tickets can produce rate changes that can make some companies much cheaper than others. Not only may things change on your end, but insurance companies change their prices without warning in order to remain profitable. An extended period of higher than normal claims can result in a rate increase, while lower claim expenses may result in lower-cost Civic insurance rates.
To help illustrate this point, the bar chart below shows the company with the cheapest car insurance in Riverside, CA for a 45-year-old male driver with no violations or accidents, and a high credit rating. Based on his personal risk profile, USAA quotes the most affordable car insurance rates in Riverside at $1,277 per year. This is $374 less than the average price paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide also make the list of the most affordable Riverside, CA auto insurance companies.
In this example, we will give the driver from above an at-fault accident, bad credit, and a traffic ticket or two. Since each auto insurer has a different formula for determining prices, comparing prices may now show a new list of cheap Riverside auto insurance companies as shown below.
Grange now has the cheapest insurance rate in Riverside, CA with Progressive, Allstate, Mercury, and GEICO now rounding out the top five. This demonstrates why consumers need to take the time to shop around with many companies to find cheap insurance rates for a Honda Civic. Insurance prices are made up of many different factors and can decrease or increase without notice, so the cheapest rate two years ago may now be wasting a lot of money.
How to find low-cost car insurance for a Honda Civic
It’s not impossible to find cheaper rates, and here are some of the better money-saving suggestions that can help you find cheaper coverage.
- Do not pay for comprehensive and collision coverage on older vehicles
- Save money by obeying traffic laws and keeping a clean driving record
- Better credit scores save money
- Remain accident-free and save
- Increase your policy deductibles
- Drive vehicles with five-star safety ratings
- Compare rate quotes frequently
That last idea is extremely critical, as was affirmed in this article. Auto insurance rates in Riverside adjust frequently, so don’t be hesitant to change insurance companies if a better rate can be found.
Having a favorite company is fine, but it isn’t a good idea if that inflexibility results in costing you thousands of dollars over the life of your policy. It takes less than five minutes to compare prices to find cheaper car insurance for a Honda Civic.
The professional agents shown below can help you make a decision which insurance coverage you need, as some people have coverage questions and would like to get some professional advice when comparing insurance rates for a Civic. It can be challenging to find the best rates on your own, and getting professional guidance from a licensed agent can add comfort knowing you have adequate protection in case of an accident or claim.
To locate an agency by location nearest to you, click the button after the list.
- Jean Sullivan – State Farm Insurance Agent
6511 Brockton Ave – Riverside, CA 92506 – (951) 683-3131
- Danmar Insurance Services
9899 Indiana Ave #101 – Riverside, CA 92503 – (951) 509-0509
- Farmers Insurance – Sampson Cummings
10250 Indiana Ave – Riverside, CA 92503 – (951) 364-8020
- Farmers Insurance: Ronald Alldis
6600 Jurupa Ave #202 – Riverside, CA 92504 – (951) 788-2005