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Best Cheap Insurance for a Honda Civic in New York

Our editors have a joke that when writing about car insurance, the words “affordable” or “cheap” should not be used as a descriptor for car insurance rates. It’s just reality that cheap auto insurance for a Honda Civic can be hard, if not impossible, to find. But don’t despair, because we will tell you how you can still find and buy auto insurance that works with your budget.

Your ability to find the cheapest insurance for a Honda Civic in New York depends on a complex rating formula that takes into consideration things like if you have purchased a home, the likelihood of your vehicle being stolen, and if you have any chargeable driving offenses. New York drivers pay an average rate of $730 per year for Civic insurance, but that amount is a projection using rating data for a 30-year-old married female driver that wants full coverage and $1,000 physical damage deductibles.

This brings up the issue that more than likely you may not be 30 years old (or even female), single instead of married, and there is a good chance that there are other drivers on your policy. Each driver’s needs are different, and that demonstrates why the only real way to find the cheapest rates for your Honda is to get into the habit of shopping around regularly. It only takes a couple of minutes and you will receive price comparisons from top-rated car insurance companies in New York.

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Vehicle trim level impacts price, so the price you pay to insure a Civic DX 4-Dr Sedan trim level will be $240 lower than the price to insure the more expensive Civic SI 2-Dr Coupe version, as shown below.

Honda Civic Insurance Rates in New York
ModelCompCollisionLiabilityMedicalUM/UIMAnnual PremiumMonthly Premium
Civic DX 4-Dr Sedan$106$212$270$16$80$684$57
Civic VP 4-Dr Sedan$106$250$270$16$80$722$60
Civic LX 4-Dr Sedan$106$250$270$16$80$722$60
Civic DX 2-Dr Coupe$106$250$338$20$102$816$68
Civic EX 4-Dr Sedan$106$250$270$16$80$722$60
Civic LX-S 4-Dr Sedan$106$250$270$16$80$722$60
Civic LX 2-Dr Coupe$106$288$338$20$102$854$71
Civic EX-L 4-Dr Sedan$122$288$270$16$80$776$65
Civic SI 4-Dr Sedan$122$288$270$16$80$776$65
Civic EX 2-Dr Coupe$122$288$338$20$102$870$73
Civic GX 4-Dr Sedan$122$288$270$16$80$776$65
Civic EX-L 2-Dr Coupe$122$288$338$20$102$870$73
Civic Hybrid 4-Dr Sedan$138$250$270$16$80$754$63
Civic SI 2-Dr Coupe$138$326$338$20$102$924$77
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Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and New York minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Information does not factor in specific New York garaging location which can raise or lower rates substantially.

Finding decent, low-cost car insurance is not the easiest thing to accomplish, and finding out which companies offer the best auto insurance rates for a Honda Civic may require even more rate comparisons. Each insurer has their own guidelines for determining rates in each state, so first we will examine the auto insurance companies with the overall cheapest rates in New York.

It’s important that you understand New York auto insurance rates are based on many factors which can significantly increase or decrease the price you pay for coverage. Simply having another birthday, adding a teenager to your policy, or getting caught speeding can trigger changes in premium that can cause some rates to be affordable when they were higher priced.

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Cheapest New York car insurance ranked by price
RankCompanyCost Per Year
1USAA$1,152
2Erie$1,255
3Travelers$1,513
4Progressive$1,542
5Utica National$1,549
6Allstate$1,588
7Amica$1,596
8MetLife$1,636
9Preferred Mutual$1,686
10New York Central Mutual$1,836
11State Farm$1,924
12GEICO$1,926
13Safeco$1,966
14Central Mutual$1,968
15Liberty Mutual$2,026
16Hanover$2,323
17Encompass$2,689
18Nationwide$3,085
19Mercury$3,965
2021st Century$4,455
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USAA quotes some of the lowest car insurance rates in New York at around $1,152 per year. Erie, Travelers, Progressive, and Utica National also qualify as some of the cheaper New York car insurance companies.

In this example, if you are currently insured with Utica National and switched to Erie, you might realize yearly savings of approximately $294. Drivers with Allstate might save as much as $333 a year, and Amica insureds might lower prices by up to $341 a year.

To see if you’re overpaying, click here to get a free quote or visit any of the companies below.

Remember that these policy rates are averaged for all types of drivers and the different vehicles they drive and are not factoring in a specific rate factor for a Honda Civic. So the insurer that can offer the best rates for your situation may not even be featured in the above rate chart. That helps illustrate why you need to get car insurance quotes using your own driver information and specific vehicle type.

Cost comparison with and without full coverage

Finding the best cheap insurance for a Honda Civic in New York is probably important to the majority of people, and one of the best ways to buy cheap insurance is to not buy full coverage. The example below illustrates the comparison of auto insurance rates with and without physical damage coverage. The rates are based on no claims, a clean driving record, $500 deductibles, marital status is single, and no discounts are applied to the premium.

If we average the cost for ages 20 through 70, full coverage costs an extra $1,824 per year over liability only. That raises the question if it’s worth it to buy full coverage. There is no set rule of when to exclude full coverage on your policy, but there is a guideline you can use. If the yearly cost for physical damage coverage is about 10% or more of the settlement you would receive from your company, then you may need to consider dropping full coverage.

For example, let’s pretend your vehicle’s claim settlement value is $11,500 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company will settle for is $10,500 after you pay the deductible. If you are currently paying more than $1,050 a year for physical damage coverage, then it might be time to consider dropping full coverage.

Get discounts on New York auto insurance

Discounts on auto insurance for a Honda CivicAuto insurance companies that sell the best cheap insurance for a Honda Civic in New York may additionally offer price discounts that can reduce rates by as much as 40% or more if you can meet the requirements. Large auto insurance companies and a selection of discounts can be found below.

  • GEICO has discounts for anti-theft, five-year accident-free, daytime running lights, military active duty, seat belt use, federal employee, and good student.
  • Travelers discounts include early quote, student away at school, save driver, good student, home ownership, and new car.
  • Nationwide has savings for multi-policy, defensive driving, family plan, anti-theft, accident-free, good student, and Farm Bureau membership.
  • Farmers Insurance may include discounts for youthful driver, switch companies, early shopping, mature driver, and homeowner.
  • Esurance may have discounts that include defensive driver, paid-in-full, safety device, multi-car, multi-policy, anti-lock brakes, and claim free.
  • State Farm offers premium reductions for multiple policy, Steer Clear safe driver discount, good student, student away at school, driver’s education, Drive Safe & Save, and multiple autos.
  • Progressive offers discounts including multi-vehicle, online signing, online quote discount, good student, continuous coverage, homeowner, and multi-policy.
  • Mercury Insurance policyholders can earn discounts including professional/association, multi-policy, multi-car, ease of repair, and annual mileage.

The chart below illustrates the comparison of insurance costs with and without policy discounts. The premiums assume a male driver, a clean driving record, no claims, New York state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.

The first bar for each age group shows the price with no discounts. The second shows the rates with marriage, passive restraint, claim-free, homeowner, safe-driver, and multiple vehicle discounts applied. When discounts are factored in, the amount saved on auto insurance for a Honda Civic is 28% or $363.

Find the best cheap insurance for a Honda Civic in New York

The list below shows some penny-pinching solutions that can help New York drivers find the cheapest car insurance.

  • Full coverage is expensive so only insure older vehicles for liability only
  • Drive a car with a high safety rating
  • Too many claims can make car insurance unaffordable
  • Increase your credit score
  • Buying home and auto together can help save money
  • Raise your deductibles
  • Compare rates and switch if you can find a better deal

The last item on the list is extremely necessary, as was affirmed in this article. Rates in New York vary considerably, so drivers shouldn’t hesitate to switch carriers if a better deal can be had. Brand loyalty is not necessarily bad, but we do not recommend it if that faithfulness ends up costing you money that could be going to better use. Now is a great time to shop around to find cheaper car insurance for a Honda Civic.

Which car insurance company is best?

If you want the best insurance for a Civic, some of the first companies to look at are Geico, State Farm, Progressive, and Allstate. All of them offer liability and physical damage protection, but each on has somewhat different options that you can choose from. The data below shows price and claims rank as well as some different options that you can purchase from each one.

Comparison of Geico, State Farm, Progressive, and Allstate
GeicoState FarmProgressiveAllstate
Discounts Offered2nd3rd4th1st
Price Rank1st2nd3rd4th
Client Satisfaction1st4th3rd2nd
Claims Service3rd2nd4th1st
Recommend by customers87%88%88%86%
Rating from A.M. BestA++A++A+A+
Standard & Poor’s ratingAA+AAAAAA-
Emergency roadside assistanceYesYesYesYes
Mechnical breakdownYesNoYesNo
Uber and Lyft insuranceYesYesYesYes
Accident forgiveness coverageYesNoYesYes
Rating based on usageNoYesYesYes
New car replacementNoNoNoYes
Available in New YorkYesYesYesYes
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