Who Has the Cheapest Insurance Quotes for a Honda Civic in West Virginia?
Enter your West Virginia zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 15, 2019
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When we talk about car insurance, the words cheap or affordable should not be used anywhere in the article as a descriptor for auto insurance rates. Forgive the oxymoron, but cheap car insurance for a Honda Civic can be hard to find. Don’t let that ruin your day, because we will teach you how you can still find and buy coverage that you are able to afford.
The likelihood of finding the best cheap auto insurance for a Honda Civic in West Virginia depends on many rating factors like your date of birth, if you have ever had a gap in coverage, and if your driving record is clean. Drivers on average will pay $1,360 annually for Civic insurance, but that cost is an approximation based on rate data for a 30-year-old single male driver that includes full coverage and $500 policy deductibles.
There is a high probability that you are not exactly 30 years old and possibly not even male, maybe you are married instead of single, or maybe your driving record has a blemish or two. Having the smallest difference in the factors used to determine rates can result in a large change in the cost of insuring your Civic.
Not everyone needs the same coverages, so your best chance at finding the cheapest insurance price for your Honda is to compare as many rates as possible. Quotes are free and easy and you can get rates from the best companies that offer coverage in West Virginia.
Vehicle trim level tends to have a direct effect on price, so the cost to insure a Civic DX 4-Dr Sedan trim level will be $436 cheaper than the cost to insure the fancier Civic SI 2-Dr Coupe model, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Civic DX 4-Dr Sedan||$230||$386||$482||$28||$144||$1,270||$106|
|Civic VP 4-Dr Sedan||$230||$454||$482||$28||$144||$1,338||$112|
|Civic LX 4-Dr Sedan||$230||$454||$482||$28||$144||$1,338||$112|
|Civic DX 2-Dr Coupe||$230||$454||$602||$36||$180||$1,502||$125|
|Civic EX 4-Dr Sedan||$230||$454||$482||$28||$144||$1,338||$112|
|Civic LX-S 4-Dr Sedan||$230||$454||$482||$28||$144||$1,338||$112|
|Civic LX 2-Dr Coupe||$230||$524||$602||$36||$180||$1,572||$131|
|Civic EX-L 4-Dr Sedan||$264||$524||$482||$28||$144||$1,442||$120|
|Civic SI 4-Dr Sedan||$264||$524||$482||$28||$144||$1,442||$120|
|Civic EX 2-Dr Coupe||$264||$524||$602||$36||$180||$1,606||$134|
|Civic GX 4-Dr Sedan||$264||$524||$482||$28||$144||$1,442||$120|
|Civic EX-L 2-Dr Coupe||$264||$524||$602||$36||$180||$1,606||$134|
|Civic Hybrid 4-Dr Sedan||$296||$454||$482||$28||$144||$1,404||$117|
|Civic SI 2-Dr Coupe||$296||$592||$602||$36||$180||$1,706||$142|
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Premium data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and West Virginia minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Estimates do not factor in specific location which can increase or decrease coverage prices significantly.
Finding dependable, reasonably-priced insurance is difficult, and finding out which companies offer the cheapest auto insurance rates for a Honda Civic requires more quotes for comparison. Each auto insurance company has their own formula to set policy rates, so we need to take a look at the most competitive auto insurance companies in West Virginia.
|Rank||Company||Cost Per Year|
|Find Your Rate Go|
Erie has some of the most affordable car insurance rates in West Virginia at around $940 a year. The Hartford, State Auto, Westfield, and USAA also are some of the lowest-priced West Virginia car insurance companies.
In this example, if you buy coverage from Westfield and switched to Erie, you could realize a yearly savings of in the neighborhood of $322. Customers with USAA may save as much as $373 a year, and State Farm policyholders might cut rates by $568 a year.
If you want to find out if you’re overpaying, click here to get a free quote or visit any of the companies below.
Enter your zip code below to view companies that have cheap auto insurance rates.
Understand that those premiums are averaged for all ages of drivers and types of vehicles and do not take into consideration a specific rate factor for a Honda Civic. So the car insurance company that is most affordable for your situation may not even be in the company chart above. That underscores the importance of why you need to get car insurance quotes using your own driver data and vehicle information.
Discounts on West Virginia auto insurance rates
Insurance providers that provide the cheapest insurance for a Honda Civic in West Virginia could also offer rate discounts that could potentially reduce rates by 30% or more if you can meet the requirements. Large auto insurance companies and a selection of discounts include:
- Farm Bureau has savings for renewal discount, youthful driver, driver training, multi-policy, and 55 and retired.
- Liberty Mutual offers discounts for multi-car, new vehicle discount, exclusive group savings, new move discount, and teen driver discount.
- State Farm may offer discounts for accident-free, Steer Clear safe driver discount, safe vehicle, anti-theft, driver’s education, multiple policy, and student away at school.
- Auto-Owners Insurance includes discounts for multi-policy, group or association, student away at school, company car, air bags, teen driver, and good student.
- GEICO has discounts for daytime running lights, good student, multi-policy, anti-theft, emergency military deployment, and military active duty.
- SAFECO discounts include teen safety rewards, anti-theft, accident prevention training, safe driver, and drive less.
The illustration below compares auto insurance costs with and without discounts applied to the rates. The data is based on a female driver, a clean driving record, no at-fault accidents, West Virginia state minimum liability limits, comp and collision included, and $500 deductibles.
The first bar for each age group shows premium with no discounts. The lower bar shows the rates with homeowner, vehicle safety, multiple policy, safe-driver, defensive driving course, and accident-free discounts applied. When taking advantage of discounts, the average savings per year on auto insurance for a Honda Civic is 28% or $583.
Full coverage or liability only
Finding the cheapest insurance for a Honda Civic in West Virginia should be important to the majority of drivers, and one of the quickest ways to find cheap insurance is to buy only liability coverage. The information below shows the difference between car insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rates are based on no tickets, no at-fault accidents, $500 deductibles, drivers are not married, and no other discounts are factored in.
On average, comp and collision coverage costs $2,304 per year more than carrying just liability coverage. Many drivers will wonder if paying for full coverage is a waste of money. There is no clear-cut formula of when to drop physical damage insurance, but there is a general school of thought. If the yearly cost for physical damage coverage is about 10% or more of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.
For example, let’s pretend your vehicle’s replacement cost is $9,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would receive is $8,000 after you pay the deductible. If you are paying in excess of $800 a year for your policy with full coverage, then it may be the right time to buy liability only.
There are some scenarios where eliminating full coverage is not recommended. If you still have a lienholder on your title, you have to keep full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should keep full coverage on your policy.
Irresponsible driving raises your rates
The recommended way to enjoy affordable auto insurance premiums in West Virginia for a Civic is to be a safe driver and not get tickets or have accidents. The example below illustrates how speeding tickets and accident claims can raise auto insurance rates for each age group. The rates are based on a married male driver, comp and collision included, $250 deductibles, and no discounts are factored in.
The data above shows the average cost of a car insurance policy in West Virginia per year with no accidents or violations is $2,215. Add in two speeding tickets and the average cost jumps to $3,072, an increase of $857 each year. Then throw in one accident along with the two speeding tickets and the yearly cost of auto insurance for a Honda Civic jumps again to an average of $3,956. That’s an increase of $1,741, or $145 per month, just for not maintaining a clean driving record!
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