Buying economical insurance for a Honda Civic in California can be pretty simple, but it hinges on many different factors such as driver age, the performance level of your vehicle, and your driving record. Drivers will pay on average $1,569 annually for Civic insurance, but that price is an approximation calculated using a 40-year-old married female driver with full coverage and $250 deductibles.
Most likely you are not 40 years old and maybe not even female, maybe you are single instead of married, or maybe your Civic is old enough that it doesn’t require full coverage. Insurance is an individual thing, so the best way to find the cheapest insurance price for your Honda is to compare rates from as many companies as possible. Quotes are free and you will receive rate quotes from some of the most affordable companies that insure Honda vehicles in California.
Compare Honda Civic Insurance Rates
Your vehicle’s trim level impacts price, so the price you will be charged to insure a Civic DX 4-Dr Sedan model will be $536 lower than the price to insure the more expensive 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 | $256 | $564 | $464 | $28 | $138 | $1,450 | $121 |
| Civic VP 4-Dr Sedan | $256 | $664 | $464 | $28 | $138 | $1,550 | $129 |
| Civic LX 4-Dr Sedan | $256 | $664 | $464 | $28 | $138 | $1,550 | $129 |
| Civic DX 2-Dr Coupe | $256 | $664 | $580 | $34 | $174 | $1,708 | $142 |
| Civic EX 4-Dr Sedan | $256 | $664 | $464 | $28 | $138 | $1,550 | $129 |
| Civic LX-S 4-Dr Sedan | $256 | $664 | $464 | $28 | $138 | $1,550 | $129 |
| Civic LX 2-Dr Coupe | $256 | $764 | $580 | $34 | $174 | $1,808 | $151 |
| Civic EX-L 4-Dr Sedan | $294 | $764 | $464 | $28 | $138 | $1,688 | $141 |
| Civic SI 4-Dr Sedan | $294 | $764 | $464 | $28 | $138 | $1,688 | $141 |
| Civic EX 2-Dr Coupe | $294 | $764 | $580 | $34 | $174 | $1,846 | $154 |
| Civic GX 4-Dr Sedan | $294 | $764 | $464 | $28 | $138 | $1,688 | $141 |
| Civic EX-L 2-Dr Coupe | $294 | $764 | $580 | $34 | $174 | $1,846 | $154 |
| Civic Hybrid 4-Dr Sedan | $332 | $664 | $464 | $28 | $138 | $1,626 | $136 |
| Civic SI 2-Dr Coupe | $332 | $866 | $580 | $34 | $174 | $1,986 | $166 |
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Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Rate quotes do not factor in Stockton location which can change prices substantially.
Ratings for California auto insurance companies
Selecting the top car insurance provider can be challenging considering how many choices there are in Stockton. The rank data shown below can help you choose which car insurance providers you want to consider comparing price quotes from.
These ratings include companies with a national presence, so companies that have a smaller presence are not factored into this list. To compare prices and find cheaper insurance for a Honda Civic, simply click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
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Data Source: Insure.com Best Car Insurance Companies
Types of discounts on Stockton car insurance rates
Auto insurance companies that provide coverage for a Honda Civic may provide special discounts that could reduce prices by as much as 30% if you can meet the requirements. A list of auto insurance companies and a summarized list of policyholder discounts are outlined below.
- 21st Century has savings for good student, homeowners, teen driver, early bird, theft prevention, driver training, and anti-lock brakes.
- Progressive policyholders can earn discounts including multi-policy, continuous coverage, online quote discount, multi-vehicle, and good student.
- State Farm includes discounts for anti-theft, defensive driving training, multiple policy, good driver, safe vehicle, and passive restraint.
- Nationwide offers discounts for easy pay, anti-theft, family plan, accident-free, Farm Bureau membership, defensive driving, and good student.
- Esurance may include discounts for multi-car, claim free, safety device, emergency road assistance, anti-lock brakes, and Switch & Save.
- The Hartford has discounts for defensive driver, air bag, vehicle fuel type, driver training, anti-theft, good student, and bundle.
The example below compares insurance rates with and without discounts applied to the policy premium. The rates are based on a female driver, no claims, a clean driving record, California state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with homeowner, accident-free, multiple vehicle, marriage, safe-driver, and passive restraint discounts applied. When drivers qualify for the discounts, the average savings per year on auto insurance for a Honda Civic is 28% or $912.
The information below demonstrates how deductibles can influence premium costs when trying to find cheap insurance for a Honda Civic. The costs are based on a single female driver, comp and collision included, and no policy discounts are applied.
The data above shows that a 40-year-old driver could cut expenses by $404 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $608 by selecting a $1,000 deductible. Young drivers, like the age 20 example, have the ability to save $1,038 each year by using higher deductibles when buying full coverage. When increasing deductibles, it is important to have plenty of savings on hand to enable you to cover the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
How to find cheaper car insurance for a Honda Civic
It’s not impossible to find cheaper rates, and here are a few penny-pinching solutions that can help you find cheaper coverage.
- Avoid getting citations and tickets
- Pay lower rates with good credit
- Avoid at-fault accidents and claims
- Increase your comprehensive and collision deductibles
- Choose a safer vehicle and pay lower rates
- Ensure you have the best deal by shopping around regularly
The last idea is incredibly crucial, as was affirmed in this write-up. Insurance prices adjust often, so don’t be tentative to change insurance companies if you can find a cheaper rate. Staying with the same company for years is fine, but we do not recommend it if that dedication is costing hundreds every year. Take a couple minutes and compare rates and find cheaper auto insurance for a Honda Civic in Stockton.
The agencies below can help you determine which car insurance policy is best, since lots of drivers aren’t clear which coverage they need and would like to have professional advice when shopping around for cheaper insurance for a Civic. It can be difficult to find coverage yourself, so agents can give you comfort knowing you have enough protection. To find a Stockton insurance agent using an interactive map, click the button after the list or click here to compare prices now.
- Angel Sepulveda – State Farm – Stockton
6838 Pacific Ave – Stockton, CA 95207 – (209) 952-2154 - Mark Berbower Insurance Agency
2 W Swain Rd – Stockton, CA 95207 – (209) 405-1088 - Allstate Insurance Agent: Tim Delaney
3244 Brookside Rd #170 – Stockton, CA 95219 – (209) 943-8344