Finding cheap car insurance for a Honda Civic is pretty simple for most people to do, but it depends on a lot of rating criteria such as how long your commute is, where you live, and your motor vehicle report. Drivers pay around $1,193 per year for Civic insurance, but that figure is a projection using a 40-year-old married male driver with both comprehensive and collision coverage and $1,000 deductibles.
There’s a high likelihood you’re not a 40-year-old male, possibly single instead of married, or maybe you prefer liability limits higher than required by California state law. Having just a slight change in policy rating criteria or coverages could end up with a large change in the price of a policy.
This illustrates why the way we recommend to find the cheapest insurance price for your Honda is to put in the effort to do a thorough rate comparison.
The specific trim level tends to have a direct effect on the cost of insurance, so the price you will pay to insure a Civic DX 4-Dr Sedan will be $380 less expensive the price to insure the more well-appointed 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||$168||$332||$456||$26||$136||$1,118||$93|
|Civic VP 4-Dr Sedan||$168||$392||$456||$26||$136||$1,178||$98|
|Civic LX 4-Dr Sedan||$168||$392||$456||$26||$136||$1,178||$98|
|Civic DX 2-Dr Coupe||$168||$392||$568||$34||$170||$1,332||$111|
|Civic EX 4-Dr Sedan||$168||$392||$456||$26||$136||$1,178||$98|
|Civic LX-S 4-Dr Sedan||$168||$392||$456||$26||$136||$1,178||$98|
|Civic LX 2-Dr Coupe||$168||$452||$568||$34||$170||$1,392||$116|
|Civic EX-L 4-Dr Sedan||$192||$452||$456||$26||$136||$1,262||$105|
|Civic SI 4-Dr Sedan||$192||$452||$456||$26||$136||$1,262||$105|
|Civic EX 2-Dr Coupe||$192||$452||$568||$34||$170||$1,416||$118|
|Civic GX 4-Dr Sedan||$192||$452||$456||$26||$136||$1,262||$105|
|Civic EX-L 2-Dr Coupe||$192||$452||$568||$34||$170||$1,416||$118|
|Civic Hybrid 4-Dr Sedan||$216||$392||$456||$26||$136||$1,226||$102|
|Civic SI 2-Dr Coupe||$216||$510||$568||$34||$170||$1,498||$125|
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Prices above based on married male driver age 40, 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. Prices do not factor in your specific San Jose location which can modify auto insurance rates greatly.
Car insurance company ratings
Selecting the best auto insurance provider can be rather challenging considering how many companies there are in San Jose. The information in the lists below may help you select which coverage providers you want to consider when looking for cheaper rates.
The ratings below are for companies that insure vehicles across America, so companies with more of a regional focus will not be included in these rankings. To get rate quotes from these companies and more, click here.
Top 10 Major Auto Insurance Providers Overall in San Jose
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
The diagram below demonstrates how choosing different deductibles can increase or decrease insurance premiums when searching for cheap insurance for a Honda Civic. The price estimates are based on a married female driver, full physical damage coverage, and no additional discounts are factored in.
As shown above, a 40-year-old driver could save $454 a year by increasing from a $100 deductible up to a $500 deductible, or save $680 by using a $1,000 deductible. Younger drivers, like the age 20 example, could reduce their rates up to $1,120 or more by using a higher deductible.
When raising deductibles, it is necessary to have additional funds squirreled away to enable you to cover the extra out-of-pocket expense, which deters some people from using high deductibles.
Bad driving habits will cost you more
The best way to obtain affordable car insurance prices for a Civic is to drive safely and avoid getting tickets or having accidents. The example below shows how speeding tickets and accidents can raise yearly insurance costs for different age groups. The data is based on a single female driver, comp and collision included, $500 deductibles, and no additional discounts are factored in.
The data in the chart shows the average cost of auto insurance in San Jose per year with no accidents or violations is $2,440. Get written up for two speeding tickets and the average cost hikes up to $3,270, an increase of $831 each year. Now include one accident along with the two speeding tickets and the 12-month cost of car insurance for a Honda Civic jumps again to an average of $4,132. That’s an increase of $1,692, or $141 per month, just for not being more responsible behind the wheel!
How to get discounts on San Jose insurance rates
Auto insurance companies that sell policies for a Honda Civic could also offer discounts that can reduce rates by 35% or more if you can meet the requirements. A few of the larger companies and a selection of discounts are detailed below.
- Mercury Insurance may include discounts for anti-theft, type of vehicle, good student, good driver, location of vehicle, and multi-car.
- Farmers Insurance may have discounts that include distant student, electronic funds transfer, pay in full, youthful driver, good student, and early shopping.
- Farm Bureau discounts include 55 and retired, renewal discount, multi-vehicle, good student, safe driver, and youthful driver.
- State Farm offers premium reductions for multiple autos, anti-theft, multiple policy, good student, and Drive Safe & Save.
- Allstate policyholders can earn discounts including auto/life discount, good payer, safe driver, utility vehicle, FullPay discount, eSmart discount, and anti-theft.
- GEICO offers discounts including driver training, anti-theft, multi-vehicle, multi-policy, daytime running lights, emergency military deployment, and anti-lock brakes.
The example below compares car insurance costs with and without discounts being applied to the rates. The premiums assume a female driver, a clean driving record, no at-fault accidents, California state minimum liability limits, full coverage, and $100 deductibles.
The first bar for each age group shows the price with no discounts. The lower bar shows the rates with claim-free, marriage, defensive driving course, multiple policy, multiple vehicle, and accident-free discounts applied. With discounts applied, the average savings per year on car insurance for a Honda Civic is 28% or $996.
The agents below can help you make a decision which insurance coverage you need, as some people prefer to get help from a professional when shopping for cheaper insurance for a Honda Civic. It can be challenging to find the cheapest auto insurance company, and insurance agents licensed in the state of California can provide you comfort knowing your coverage gives you sufficient protection if you have a claim. To locate a San Jose insurance agent close to where you live, click the button after the list.
Jim Fiorentino – State Farm Insurance Agent
3150 Almaden Expy #204 – San Jose, CA 95118 – (408) 267-3276
1080 Minnesota Ave # 4 – San Jose, CA 95125 – (408) 294-4348
Burch Boehner – State Farm Insurance Agent
201 E Taylor St #2 – San Jose, CA 95112 – (408) 287-8190