Buying cheap insurance for a Honda Civic doesn’t take a ton of time, but it hinges on many factors such as whether you are male or female, your claims history, and if you have tickets or violations. Drivers will pay on average $896 each year to insure their Civic, but that cost is a projection based upon a 50-year-old married male driver with full coverage and $100 deductibles.
The issue that arises when projecting rates is that it’s very likely that you may not be 50 years old (or even male), possibly single instead of married, or you just want cheap liability insurance instead of full coverage. Everone’s needs are different, and this illustrates why the way we recommend to find cheap insurance prices for your Honda is to compare rates from as many companies as possible. Do a quick rate comparison now and you will receive price comparisons from some of the cheapest companies that offer coverage in Virginia.
The trim level of your Honda will be a contributing factor to the coverage cost, so the rate you will pay to insure a Civic DX 4-Dr Sedan will be $308 cheaper than the insurance cost for the more well-appointed Civic SI 2-Dr Coupe version, as shown in the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $150 | $340 | $248 | $14 | $74 | $826 | $69 |
| Civic VP 4-Dr Sedan | $150 | $400 | $248 | $14 | $74 | $886 | $74 |
| Civic LX 4-Dr Sedan | $150 | $400 | $248 | $14 | $74 | $886 | $74 |
| Civic DX 2-Dr Coupe | $150 | $400 | $308 | $18 | $92 | $968 | $81 |
| Civic EX 4-Dr Sedan | $150 | $400 | $248 | $14 | $74 | $886 | $74 |
| Civic LX-S 4-Dr Sedan | $150 | $400 | $248 | $14 | $74 | $886 | $74 |
| Civic LX 2-Dr Coupe | $150 | $462 | $308 | $18 | $92 | $1,030 | $86 |
| Civic EX-L 4-Dr Sedan | $172 | $462 | $248 | $14 | $74 | $970 | $81 |
| Civic SI 4-Dr Sedan | $172 | $462 | $248 | $14 | $74 | $970 | $81 |
| Civic EX 2-Dr Coupe | $172 | $462 | $308 | $18 | $92 | $1,052 | $88 |
| Civic GX 4-Dr Sedan | $172 | $462 | $248 | $14 | $74 | $970 | $81 |
| Civic EX-L 2-Dr Coupe | $172 | $462 | $308 | $18 | $92 | $1,052 | $88 |
| Civic Hybrid 4-Dr Sedan | $194 | $400 | $248 | $14 | $74 | $930 | $78 |
| Civic SI 2-Dr Coupe | $194 | $522 | $308 | $18 | $92 | $1,134 | $95 |
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Data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Virginia minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Price information does not factor in specific zip code location which can modify coverage prices significantly.
What is the best auto insurance company in Virginia?
Buying coverage from the best insurance provider is difficult considering how many companies there are in Virginia Beach. The rank data below may help you decide which auto insurers you want to consider when insurance shopping for a Honda Civic.
These rankings only include companies that write coverage in many states, so smaller companies that only insure vehicles in Virginia are not included in the list. If you wish to compare rates from these and other companies in Virginia, click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Erie Insurance | 87 | 84 | 85 | 85% | A+ | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
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Data Source: Insure.com Best Car Insurance Companies
The example below demonstrates how deductible levels can increase or decrease yearly insurance costs when searching for cheap insurance for a Honda Civic. The premiums assume a married female driver, comp and collision included, and no discounts are taken into consideration.
A 30-year-old driver could pocket $268 a year by changing from a $100 deductible up to a $500 deductible, or save $402 by using a $1,000 deductible. Younger drivers, like the age 20 example, could roll back prices as much as $566 each year just by choosing higher deductibles when buying full coverage. When increasing deductibles, it will be important to have additional savings on hand to satisfy the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.
How to get discounts on Virginia Beach car insurance
Car insurance companies that offer quotes for a Honda Civic may also provide rate discounts that can lower rates by as much as 30% if you meet the requirements. Companies and some of their more popular discounts are:
- AAA policyholders can earn discounts including AAA membership discount, multi-policy, good driver, pay-in-full, multi-car, education and occupation, and anti-theft.
- Progressive offers premium reductions for multi-vehicle, homeowner, online quote discount, online signing, continuous coverage, and multi-policy.
- State Farm offers discounts for driver’s education, defensive driving training, good driver, anti-theft, and safe vehicle.
- Esurance may offer discounts for anti-lock brakes, good student, Pac-12 alumni, DriveSense, paid-in-full, defensive driver, and Switch & Save.
- Nationwide offers discounts including Farm Bureau membership, family plan, accident-free, anti-theft, and good student.
The illustration below shows the difference between yearly insurance costs with and without some available policy discounts. The premiums are based on a female driver, no claims or violations, Virginia state minimum liability limits, full physical damage coverage, and $500 deductibles.
The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with homeowner, safe-driver, marriage, passive restraint, anti-theft, and multiple vehicle discounts applied. When discounts are applied, theaverage yearly reduction on auto insurance for a Honda Civic is 28% or $409.
If you aren’t sure which coverage to buy and prefer to have a professional recommendation when shopping for cheaper insurance for a Honda Civic, the agents shown below can help you decide which insurance coverage you need.
To locate a Virginia Beach auto insurance agent close to where you live, click the link after the list or click here to compare rates now.
- Kimberly Hitchman – State Farm Insurance Agent
3101 Virginia Beach Blvd #112 – Virginia Beach, VA 23452 – (757) 463-5480 - Nationwide Insurance: Bob McCrearyh CLU Insurance Agency, Inc.
533 Newtown Rd #112 – Virginia Beach, VA 23462 – (757) 497-1899 - Lee Barnes – State Farm Insurance Agent
1625 Salem Rd Ste 103 – Virginia Beach, VA 23456 – (757) 467-8890 - Ed Barnhart – State Farm Insurance Agent
5660 Indian River Rd #126 – Virginia Beach, VA 23464 – (757) 366-0322
Find a Virginia Beach, VA insurance agent near you
How to find the cheapest insurance for a Honda Civic
Below you’ll find many thrifty suggestions that can help drivers buy cheap car insurance.
- Frequent claims may make car insurance unaffordable
- Do not get into accidents that are your fault
- Drive vehicles with five-star safety ratings
- Just one traffic violation will increase your rates
- Buy your homeowners policy from the same company as your auto insurance
- Don’t waste money on full coverage for older vehicles
- Compare price quotes at least once a year
That last tip is notably critical, as we pointed out in this piece. Auto insurance rates in Virginia Beach adjust frequently, so don’t be tentative to change insurance companies if a lower price can be found. Brand loyalty is not necessarily bad, but we do not recommend it if that devotion results in you overpaying potentially thousands of dollars a year. Now is a great time to compare prices to find cheaper insurance for a Honda Civic.