How Much Does Insurance Cost for a Honda Civic in Washington?
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UPDATED: Nov 15, 2019
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Since we’re writing about auto insurance, the words “cheap” or “affordable” should not be used anywhere in the article. Regardless, cheap auto insurance for a Honda Civic can be extremely hard to find. But don’t despair, because we will teach you how you can still find and buy auto insurance that is cheaper than what you have now.
Your ability to find the best cheap insurance for a Honda Civic in Washington is dependent upon a large number of factors such as age of the driver, whether or not you are currently insured, and any past driving violations you may have had. Washington drivers on average pay around $1,210 per year to insure a Honda Civic, but that price is a valuation rating a 50-year-old single male that purchased comprehensive and collision coverage and $100 deductibles.
There is a high probability that you’re not a 50-year-old male, maybe you are married instead of single, or maybe your Civic doesn’t need full coverage. Everyone has different rating factors, so the best method for finding the cheapest insurance price for your Honda is to make a habit of comparing rates at every renewal.
The trim level of your Civic will likely have an effect on the yearly cost, so the price to insure a Civic DX 4-Dr Sedan model will be $418 less expensive the cost to insure the high end Civic SI 2-Dr Coupe version, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Civic DX 4-Dr Sedan||$190||$472||$334||$20||$100||$1,116||$93|
|Civic VP 4-Dr Sedan||$190||$556||$334||$20||$100||$1,200||$100|
|Civic LX 4-Dr Sedan||$190||$556||$334||$20||$100||$1,200||$100|
|Civic DX 2-Dr Coupe||$190||$556||$416||$24||$124||$1,310||$109|
|Civic EX 4-Dr Sedan||$190||$556||$334||$20||$100||$1,200||$100|
|Civic LX-S 4-Dr Sedan||$190||$556||$334||$20||$100||$1,200||$100|
|Civic LX 2-Dr Coupe||$190||$640||$416||$24||$124||$1,394||$116|
|Civic EX-L 4-Dr Sedan||$218||$640||$334||$20||$100||$1,312||$109|
|Civic SI 4-Dr Sedan||$218||$640||$334||$20||$100||$1,312||$109|
|Civic EX 2-Dr Coupe||$218||$640||$416||$24||$124||$1,422||$119|
|Civic GX 4-Dr Sedan||$218||$640||$334||$20||$100||$1,312||$109|
|Civic EX-L 2-Dr Coupe||$218||$640||$416||$24||$124||$1,422||$119|
|Civic Hybrid 4-Dr Sedan||$246||$556||$334||$20||$100||$1,256||$105|
|Civic SI 2-Dr Coupe||$246||$724||$416||$24||$124||$1,534||$128|
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Table data represents single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Washington minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Rates do not factor in specific zip code location which can alter coverage rates greatly.
Deciding which company has the cheapest insurance rates for a Honda Civic will involve a little more sweat than just quoting one company’s rates. Each insurer has a proprietary method to determine premium rates, so let’s take a look at the insurance companies with the overall cheapest rates in Washington.
It’s important that readers know that Washington insurance rates are impacted by many factors that can increase the price of your policy. Improving your credit rating, increasing liability limits, or getting a couple of tickets can cause premium changes that can make some companies affordable when they were higher priced.
|Rank||Company||Cost Per Year|
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Capital quotes some of the cheapest car insurance rates in Washington at around $761 per year. Grange, PEMCO, Nationwide, and Travelers also are some of the more affordable Washington auto insurance companies.
In the above example, if you buy coverage from Nationwide and switched to Grange, you might see a yearly savings of roughly $159. Washington drivers with Travelers might save as much as $216 a year, and The Hartford insureds might lower prices by up to $226 a year.
To find cheap insurance for a Honda Civic in Washington for your vehicle, click here or visit several of the following companies.
Enter your zip code below to view companies that have cheap auto insurance rates.
Bear in mind that those policy prices are averaged for all drivers and vehicles in Washington and do not take into consideration a specific rate factor for a Honda Civic. So the company that is most affordable for your situation may not even be included in the company chart above. That illustrates why you need to get auto insurance quotes using your own individual information.
Difference between liability only and full coverage rates
Finding cheap insurance for a Honda Civic in Washington should be important to most drivers, and one easy way to reduce the cost of insurance is to buy liability only. The example below compares auto insurance rates with and without physical damage coverage. The rates are based on no claims or driving violations, $1,000 deductibles, single status, and no discounts are applied to the premium.
If we average the cost for all age groups, full coverage costs an extra $1,525 per year over and above liability coverage. That is a large expense which might make you wonder if paying for full coverage is a waste of money. There is no exact formula that is best for determining when to drop full coverage, but there is a general guideline you can use. If the annual cost of having full coverage is 10% or more of the vehicle’s replacement cost less your deductible, then it may be the right time to buy liability only.
There are some situations where only buying liability is not a good plan. If you still owe a portion of the original loan, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should keep full coverage on your policy.
How accidents and tickets impact rates
The easiest method to find cheap insurance for a Honda Civic in Washington is to be a cautious driver and not receive tickets or have accidents. The illustration below illustrates how violations and at-fault accidents can impact premium costs for different age categories. The prices are based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied.
The data above shows the average cost of a car insurance policy in Washington per year with no accidents or violations is $1,861. Factor in one speeding ticket and the average cost hikes up to $2,140, an increase of $279 each year. Now add in one accident along with the one speeding ticket and the annual cost of insurance for a Honda Civic increases to an average of $2,936. That’s an increase of $1,075, or $90 per month, just for not being attentive to the road!
Allstate, State Farm, Progressive, and Geico compared
When it comes to insurance for a Civic, four companies you’ll want quotes from are Allstate, State Farm, Progressive, and Geico. Each company has unique features and discounts that may influence your buying decision. The table below points out pricing and service ratings, as well as optional policy coverages that are available for buyers.
|Handling of Claims||1st||2nd||4th||3rd|
|New car replacement||Yes||No||No||No|
|Uber and Lyft insurance||Yes||Yes||Yes||Yes|
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Cheap Honda Civic insurance quotes
There are a variety of different ways to get cheap insurance quotes in Washington, but the most frequently used methods are through an exclusive insurance agency like Allstate or Auto-Owners, an independent or non-exclusive agent, or buying direct from a company like Geico or Progressive.
They all follow the same basic process, but shoppers should understand the differences in how they provide rate quotes.
Independent agents are appointed by several companies and can do rate comparisons with every one. These types of agents can quote with many companies and provide you with more rates, which can give you a better chance of finding cheaper coverage. If the agent locates a cheaper price, an independent agent can move your coverage which prevents you from having to switch agents.
Exclusive agencies are limited to a single insurance company, a couple examples are a State Farm or Farmers agent. Exclusive agents generally are unable to shop your coverage around, so unless you get quotes from other companies, you cannot determine which is cheapest.
If you buy direct, you bypass an exlusive or independent agent and instead shop direct online or over the phone from a company like Progressive or Esurance. Buying direct may be a decent choice people who do not need advice for risk management and have some degree of understanding of what insurance covers.
So which one of the three ways works best to find cheap insurance for a Honda Civic in Washington? It would be obvious to point out buying direct results in the cheapest rates since that eliminates agent commissions, but unfortunately, that is not the case. And we’d like to say buying insurance from an independent agent can save the most money since they can quote with many companies, but again, that’s not accurate. In many circumstances, the exclusive agents may have prices that other insurance companies cannot touch.
Due to that fact that insurance uses so many rating variables, the only real way to ensure the lowest rates is to get quotes and compare. If you want to save money, get prices from all three types in order to find the best price. A great place to start is our list of online companies offering discounts: click here to view.
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