Who Has the Cheapest Insurance for a Honda Civic in Virginia?
Whether or not you can find the cheapest auto insurance for a Honda Civic in Virginia depends upon an enormous amount of rating factors such as the safety features of your vehicle, if you have ever let your coverage lapse, and citations on your driving record. Drivers in Virginia will pay on average $800 per year to buy insurance for a Honda Civic, but that rate is based on cost data for a 50-year-old married female that has full coverage including both comprehensive and collision and $250 deductibles.
The issue that arises when projecting rates is that it’s very likely that you are not exactly 50 years old and possibly not even female, possibly single instead of married, and you need different coverage limits than the sample rates. Even a minor change in rating variables or coverage information can create big changes in how much insurance for a Honda Civic costs.
There is no one cookie-cutter policy that works for everyone, so the only real way to find cheap car insurance rates for your Honda is to get into the habit of comparing rates once a year.
The trim level of your Civic will most likely have an effect on the cost of insurance, so the price to insure a Civic DX 4-Dr Sedan model will be $268 cheaper than the insurance cost for 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||$134||$278||$242||$14||$72||$740||$62|
|Civic VP 4-Dr Sedan||$134||$328||$242||$14||$72||$790||$66|
|Civic LX 4-Dr Sedan||$134||$328||$242||$14||$72||$790||$66|
|Civic DX 2-Dr Coupe||$134||$328||$302||$18||$90||$872||$73|
|Civic EX 4-Dr Sedan||$134||$328||$242||$14||$72||$790||$66|
|Civic LX-S 4-Dr Sedan||$134||$328||$242||$14||$72||$790||$66|
|Civic LX 2-Dr Coupe||$134||$378||$302||$18||$90||$922||$77|
|Civic EX-L 4-Dr Sedan||$154||$378||$242||$14||$72||$860||$72|
|Civic SI 4-Dr Sedan||$154||$378||$242||$14||$72||$860||$72|
|Civic EX 2-Dr Coupe||$154||$378||$302||$18||$90||$942||$79|
|Civic GX 4-Dr Sedan||$154||$378||$242||$14||$72||$860||$72|
|Civic EX-L 2-Dr Coupe||$154||$378||$302||$18||$90||$942||$79|
|Civic Hybrid 4-Dr Sedan||$172||$328||$242||$14||$72||$828||$69|
|Civic SI 2-Dr Coupe||$172||$426||$302||$18||$90||$1,008||$84|
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Data rating is based on married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Virginia minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Information does not factor in zip code location which can alter rates noticeably.
Finding out which company offers the cheapest insurance rates for a Honda Civic may require a bit more work than just picking a company at random. Each insurance company uses their own formula for determining rates, so we need to take a look at the most budget-friendly insurance companies in Virginia.
It’s important to understand that Virginia insurance rates are determined by lots of factors which can significantly increase or decrease the cost of coverage. Simply having a birthday, having a teenage driver, or having an accident may generate price changes resulting in some companies being more affordable than before.
Lowest Insurance Price Quotes for Your Honda
|Rank||Company||Cost Per Year|
|8||Virginia Farm Bureau||$802|
|15||National Grange Mutual||$1,071|
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Travelers may offer some of the lowest car insurance rates in Virginia at around $679 per year. USAA, Penn National, Cincinnati Insurance, and Utica National also make the cut as some of the cheapest Virginia car insurance companies.
In the above rates, if you buy coverage from Utica National and switched to USAA, you may see an annual savings of approximately $77. Insureds with The Hartford may save as much as $97 a year, and Auto-Owners insureds might lower prices by $100 a year.
To compare your rates to other Virginia insurance companies, click here to get a free quote or visit any of the companies below.
Be aware that those estimates are averages for all drivers and vehicles and and are not figured with a specific rate value for a Honda Civic. So the car insurance company that can offer the best rates for your situation may not even be shown in the company chart above. That’s why you need to get car insurance quotes using your own driver information and specific vehicle type.
Cost of full coverage
Finding the cheapest insurance for a Honda Civic in Virginia is probably important to most drivers, and one of the fastest ways to reduce the cost of insurance is to only pay for liability coverage. The example below illustrates the comparison of insurance premiums with full coverage and liability only. The rate quotes are based on no violations or claims, $500 deductibles, marital status is single, and no other discounts are factored in.
As an average for all age groups, full coverage on your policy costs $1,621 per year more than just buying liability insurance. Many of you may wonder if you should buy full coverage at all. There isn’t a steadfast formula for dropping full coverage, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than about 10% of the settlement you would receive from your company, then you may want to consider only buying liability coverage.
Get discount Virginia auto insurance
Insurers that offer the cheapest insurance for a Honda Civic in Virginia may provide rate discounts that could lower prices by as much as 35% if you meet eligibility requirements. Popular insurance companies and a summarized list of policyholder discounts include:
- Farm Bureau has savings for safe driver, good student, driver training, multi-vehicle, and 55 and retired.
- Liberty Mutual offers discounts including new vehicle discount, multi-car, teen driver discount, exclusive group savings, hybrid vehicle, multi-policy, and newly married.
- State Farm has discounts for anti-theft, accident-free, passive restraint, good driver, student away at school, and safe vehicle.
- Auto-Owners Insurance may include discounts for paperless, multiple vehicles, multi-policy, air bags, paid in full, anti-theft, and company car.
- GEICO offers premium reductions for good student, anti-lock brakes, anti-theft, defensive driver, and membership and employees.
- SAFECO may have discounts that include homeowner, accident prevention training, teen safe driver, safe driver, and teen safety rewards.
The information below illustrates the difference between premium costs with and without discounts. The information is based on a male driver, no driving violations, no at-fault accidents, Virginia state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with defensive driving course, anti-theft, passive restraint, claim-free, vehicle safety, and accident-free discounts applied. When these discounts are applied to the policy premium, the average amount saved each year on insurance for a Honda Civic is 28% or $560.
Is Progressive, State Farm, Allstate, or Geico cheaper?
If you want the best insurance for a Civic in Virginia, the first places to look would be Progressive, State Farm, Allstate, and Geico. All offer liability and physical damage insurance, but each one has a distict selection of optional coverages and features that can influence your buying decision. The table below points out price and claims rank as well as some different options that you can purchase from each one.
|Handling of Claims||4th||2nd||1st||3rd|
|A.M. Best rating||A+||A++||A+||A++|
|New car replacement||No||No||Yes||No|
|Emergency roadside service||Yes||Yes||Yes||Yes|
|Where to buy||Indpendent agents or online||Only from State Farm agents||Allstate-only agents||Online or through a Geico agent|
|Number of agents||30,000+||18,000+||11,000+||150+|
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