Buying affordable auto insurance for a Honda Civic is usually pretty straightforward, but it relies on a very complex rating algorithm that uses multiple factors such as how far you drive to work, if you have recent claims, and if you have tickets or violations. Drivers in Texas pay around $1,491 each year for Civic insurance, but that amount is a projection using a 40-year-old married female driver with full comprehensive and collision coverage and $100 deductibles.
The problem with using this number is the good chance you are not 40 years old and maybe not even female, maybe you are single instead of married, or maybe you just want liability only instead of full coverage. This demonstrates why the way we recommend to find cheap insurance prices for your Honda is to compare as many rates as possible. In just a couple of minutes you will receive price comparisons from some of the best companies available.
The specific model of Civic impacts the yearly cost, so the price you pay to insure a Civic DX 4-Dr Sedan will be $518 less than the cost to insure the more well-appointed Civic SI 2-Dr Coupe model, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Civic DX 4-Dr Sedan||$246||$580||$400||$24||$120||$1,370||$114|
|Civic VP 4-Dr Sedan||$246||$684||$400||$24||$120||$1,474||$123|
|Civic LX 4-Dr Sedan||$246||$684||$400||$24||$120||$1,474||$123|
|Civic DX 2-Dr Coupe||$246||$684||$500||$30||$150||$1,610||$134|
|Civic EX 4-Dr Sedan||$246||$684||$400||$24||$120||$1,474||$123|
|Civic LX-S 4-Dr Sedan||$246||$684||$400||$24||$120||$1,474||$123|
|Civic LX 2-Dr Coupe||$246||$788||$500||$30||$150||$1,714||$143|
|Civic EX-L 4-Dr Sedan||$282||$788||$400||$24||$120||$1,614||$135|
|Civic SI 4-Dr Sedan||$282||$788||$400||$24||$120||$1,614||$135|
|Civic EX 2-Dr Coupe||$282||$788||$500||$30||$150||$1,750||$146|
|Civic GX 4-Dr Sedan||$282||$788||$400||$24||$120||$1,614||$135|
|Civic EX-L 2-Dr Coupe||$282||$788||$500||$30||$150||$1,750||$146|
|Civic Hybrid 4-Dr Sedan||$318||$684||$400||$24||$120||$1,546||$129|
|Civic SI 2-Dr Coupe||$318||$890||$500||$30||$150||$1,888||$157|
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Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Information does not factor in specific zip code location which can increase or decrease insurance rates considerably.
Picking the best car insurance provider can be a challenge considering how many different companies insure vehicles in Arlington. The ranking data in the lists below could help you choose which companies to look at purchasing a policy from. These rankings only include companies who write in the majority of U.S. states, so companies that have a smaller presence are not factored into the list.
Top 10 Major Car Insurance Companies in Arlington Ranked by Claims Service
- State Farm
- Liberty Mutual
- American Family
- Titan Insurance
- AAA Insurance
The information below illustrates how choosing a deductible can increase or decrease insurance prices when quoting cheap insurance for a Honda Civic. The rate quotes are based on a single female driver, full coverage, and no discounts are taken into consideration.
In the chart above, a 30-year-old driver could save $454 a year by increasing from a $100 deductible up to a $500 deductible, or save $680 by changing to a $1,000 deductible. Young drivers, such as the Age 20 example, could save up to $1,022 each year just by choosing higher deductibles.
If you do make the decision to raise your deductibles, it is important to have enough savings to allow you to pay the extra out-of-pocket expense associated with higher deductibles.
Comparing rates on Civic insurance can save you money
Arlington, TX insurance rates are based on many factors which can substantially change the cost of your policy. Improving your credit rating, moving across town, or having an accident can trigger rate changes that can now make some companies much cheaper than others. In addition, insurers change premium rates at least once a year to ensure their profitability. Larger than normal claims can cause more expensive premiums, while better underwriting may cause more affordable Civic insurance rates.
As an example, the bar chart below shows rates for the cheapest car insurance in Arlington, TX for a 45-year-old male driver with no prior claims, no tickets, and a good credit rating. When comparing rates based on his personal profile, Travelers may have the best car insurance rates in Arlington at $1,196 per year. This is $708 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are the rest of the cheapest Arlington, TX auto insurance companies.
The next chart shows rates after we give the driver from the first example a couple of claims, a lower credit rating, and a speeding citation. Because each company has their own formula to establish rates, analyzing rate quotes could result in a significantly different list of cheap Arlington auto insurance companies as shown below.
State Farm now has the best price in Arlington, TX with Mercury, USAA, Safe Auto, and Nationwide also being competitive. This demonstrates why it is crucial to compare rates when trying to find affordable auto insurance rates for a Honda Civic.
Insurance prices consist of many things and change dramatically, so the most economical option the last time you shopped around may now be one of the higher cost companies.
If you have coverage questions and would like to have the advice of a professional agent when shopping for the best coverage for a Civic, the insurance agencies listed below can most likely help you decide which insurance coverage will be best for you.
To locate an Arlington auto insurance agent close to where you live, click the button link following the list.
Allstate Insurance: Paula Huemmer
7000 S Cooper St # F – Arlington, TX 76001 – (817) 467-3880
Nationwide Insurance: Comparable Insurance Agency Inc
1700 E Pioneer Pkwy Ste 190 – Arlington, TX 76010 – (817) 460-8899
820 E Park Row Dr – Arlington, TX 76010 – (817) 461-2907
Trang Le Insurance Agency
2397 S Collins St – Arlington, TX 76014 – (817) 779-4849
How to find the cheapest insurance for a Honda Civic
The list below shows some thrifty solutions that can help Arlington drivers find cheaper car insurance.
- Good credit scores may lower your rates
- Raise your physical damage coverage deductibles
- Drop full coverage on older vehicles
- Too many claims can make car insurance unaffordable
- Multi-policy discounts save money
- Buy vehicles with five-star safety ratings
- Compare rates and switch if you can find a better deal
The last tip in the list is extremely crucial, as we pointed out in this piece. Rates can be adjusted at any time, so don’t be afraid to switch companies if a lower-cost policy is available. Many drivers prefer to stick with one company, but it’s not a great idea if that inflexibility results in costing you thousands of dollars over several years. It takes less than five minutes to compare rates and find cheaper auto insurance for a Honda Civic in Arlington.