Finding cheaper insurance for a Honda Civic doesn’t take too much effort, but it relies on many different factors such as whether you own a home, the likelihood of vehicle theft, and driving violations and tickets. Drivers pay on average $911 per year to insure their Civic, but that amount is a projection based upon a 40-year-old married female driver with both comprehensive and collision coverage and $1,000 deductibles.
When making auto insurance estimates, the issue arises that you are not 40 years old and maybe not even female, you might be single instead of married, or you just prefer to insure for liability only. Everone’s needs are different, and this illustrates why the way we recommend to find the cheapest insurance price for your Honda is to do a thorough rate comparison.
The trim level of your Civic tends to have a direct impact on the cost of coverage, so the rate you pay to insure a Civic DX 4-Dr Sedan will be $294 less than the insurance cost for the higher-priced 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||$118||$264||$346||$20||$104||$852||$71|
|Civic VP 4-Dr Sedan||$118||$312||$346||$20||$104||$900||$75|
|Civic LX 4-Dr Sedan||$118||$312||$346||$20||$104||$900||$75|
|Civic DX 2-Dr Coupe||$118||$312||$432||$26||$130||$1,018||$85|
|Civic EX 4-Dr Sedan||$118||$312||$346||$20||$104||$900||$75|
|Civic LX-S 4-Dr Sedan||$118||$312||$346||$20||$104||$900||$75|
|Civic LX 2-Dr Coupe||$118||$358||$432||$26||$130||$1,064||$89|
|Civic EX-L 4-Dr Sedan||$136||$358||$346||$20||$104||$964||$80|
|Civic SI 4-Dr Sedan||$136||$358||$346||$20||$104||$964||$80|
|Civic EX 2-Dr Coupe||$136||$358||$432||$26||$130||$1,082||$90|
|Civic GX 4-Dr Sedan||$136||$358||$346||$20||$104||$964||$80|
|Civic EX-L 2-Dr Coupe||$136||$358||$432||$26||$130||$1,082||$90|
|Civic Hybrid 4-Dr Sedan||$152||$312||$346||$20||$104||$934||$78|
|Civic SI 2-Dr Coupe||$152||$406||$432||$26||$130||$1,146||$96|
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Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Premium costs do not factor in specific garaging location which can decrease or increase premiums substantially.
Choosing the highest-rated car insurance provider can be rather challenging considering how many companies sell insurance in Philadelphia. The ranking information shown below may help you pick which auto insurance companies you want to consider purchasing coverage from. The rankings below are only comprised of companies who write in the majority of U.S. states, so smaller companies that only insure vehicles in Pennsylvania are not factored into the list.
Top 10 Major Auto Insurers Overall in Philadelphia
- The General
- Titan Insurance
- The Hartford
- State Farm
- Farmers Insurance
- Erie Insurance
- Safeco Insurance
Top 10 Major Auto Insurers in Philadelphia Ranked by Customer Service
- Titan Insurance
- The Hartford
- American Family
- State Farm
- Erie Insurance
Safe drivers Philadelphia pay cheaper rates
The recommended way to get cheap auto insurance prices in Pennsylvania for a Civic is to drive carefully and not have accidents or get tickets. The illustration below demonstrates how traffic citations and at-fault accidents can increase insurance costs for each age group. The price estimates are based on a single male driver, comp and collision included, $1,000 deductibles, and no discounts are applied to the premium.
The data above shows the average cost of an auto insurance policy in Pennsylvania per year with no accidents or violations is $1,814. Get one speeding ticket and the average cost hikes up to $2,046, an increase of $232 each year. Now throw in one accident along with the one speeding ticket and the 12-month cost of auto insurance for a Honda Civic increases to an average of $2,705. That’s an increase of $890, or $74 per month, just for being a less-than-perfect driver!
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Philadelphia auto insurance rates are determined by lots of factors which can substantially change the price of your policy. Getting older, filing a claim, or having a fender bender may cause policy rate changes that can now make some companies more affordable than before. Not only that, but car insurance companies file new Pennsylvania car insurance rates at least once a year in order to maintain liquidity for claims. Significantly higher claims can result in increased policy costs, while long-term profits may result in more affordable Civic insurance rates.
To illustrate this point, the graph below demonstrates which company has the cheapest car insurance in Philadelphia, PA for a 35-year-old male driver with a clear driving record, no claims, and good financial standing. If we look at prices based on his current situation, General Casualty might offer the best car insurance rates in Philadelphia at $1,718 each year. This is $61 more than the average price paid by Pennsylvania drivers of $1,657. Travelers, USAA, Erie, and Penn National are the remainder of the most affordable Philadelphia, PA auto insurance companies.
In this example, we will give the driver in the first example an accident claim, a lower credit score, and a few blemishes on his driving record. Since each auto insurer uses their own method for determining rates in each state, comparing prices could now result in a different set of affordable Philadelphia car insurance companies as shown below.
Amica now has the best car insurance rate in Philadelphia with Atlantic States, Travelers, USAA, and Donegal Mutual completing the list. This illustrates why it is crucial to do a thorough rate comparison to find the cheapest auto insurance rates for a Honda Civic.
Auto insurance prices are made up of many factors and can change substantially, so the lowest-price company six months ago may now be quite expensive.