Buying the cheapest auto insurance for a Honda Civic in Texas doesn’t take a ton of time, but it is dependent upon a complicated rating formula that uses factors such as the safety rating for your Civic, if you have prior claims, and your choice of deductibles. Drivers in Texas pay on average $1,722 per year for Civic insurance, but that amount is a projection based upon a 30-year-old single female driver with full comprehensive and collision coverage and $250 deductibles.
When projecting a rate like this, the problem is that you are not 30 and maybe not even a female, possibly married instead of single, or maybe you rent instead of own your home. Having what appears to be a very minor change in the criteria used to calculate rates can result in a large change in the amount insurance costs for a Honda Civic.
This demonstrates why the only way to find the cheapest rates for your Honda is to compare as many rates as you can.
The trim level of your vehicle tends to have a direct effect on the yearly cost, so the price you will be charged to insure a Civic DX 4-Dr Sedan trim level will be $584 less than the insurance cost for the more well-appointed Civic SI 2-Dr Coupe trim level, as shown in the chart below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $284 | $610 | $514 | $30 | $154 | $1,592 | $133 |
| Civic VP 4-Dr Sedan | $284 | $720 | $514 | $30 | $154 | $1,702 | $142 |
| Civic LX 4-Dr Sedan | $284 | $720 | $514 | $30 | $154 | $1,702 | $142 |
| Civic DX 2-Dr Coupe | $284 | $720 | $642 | $38 | $192 | $1,876 | $156 |
| Civic EX 4-Dr Sedan | $284 | $720 | $514 | $30 | $154 | $1,702 | $142 |
| Civic LX-S 4-Dr Sedan | $284 | $720 | $514 | $30 | $154 | $1,702 | $142 |
| Civic LX 2-Dr Coupe | $284 | $828 | $642 | $38 | $192 | $1,984 | $165 |
| Civic EX-L 4-Dr Sedan | $326 | $828 | $514 | $30 | $154 | $1,852 | $154 |
| Civic SI 4-Dr Sedan | $326 | $828 | $514 | $30 | $154 | $1,852 | $154 |
| Civic EX 2-Dr Coupe | $326 | $828 | $642 | $38 | $192 | $2,026 | $169 |
| Civic GX 4-Dr Sedan | $326 | $828 | $514 | $30 | $154 | $1,852 | $154 |
| Civic EX-L 2-Dr Coupe | $326 | $828 | $642 | $38 | $192 | $2,026 | $169 |
| Civic Hybrid 4-Dr Sedan | $368 | $720 | $514 | $30 | $154 | $1,786 | $149 |
| Civic SI 2-Dr Coupe | $368 | $936 | $642 | $38 | $192 | $2,176 | $181 |
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Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Premium amounts do not factor in zip code location which can modify price quotes substantially.
Comparing rates for cost effective insurance is confusing at best, and finding out which insurers offer the lowest-priced car insurance rates for a Honda Civic calls for more quotes for comparison. Each insurer has a proprietary method to establish rates, so first let’s look at the rankings for the overall cheapest car insurance companies in Texas.
Lowest Insurance Price Quotes for Your Honda
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,010 |
| 2 | USAA | $1,128 |
| 3 | Texas Farm Bureau | $1,235 |
| 4 | Germania Mutual | $1,256 |
| 5 | Esurance | $1,421 |
| 6 | California Casualty | $1,438 |
| 7 | State Farm | $1,465 |
| 8 | Mercury | $1,476 |
| 9 | Nationwide | $1,585 |
| 10 | Safe Auto | $1,613 |
| 11 | Progressive | $1,664 |
| 12 | Allstate | $1,667 |
| 13 | Amica | $1,705 |
| 14 | Home State | $2,092 |
| 15 | GEICO | $2,135 |
| 16 | MetLife | $2,161 |
| 17 | Encompass | $2,255 |
| 18 | Unitrin | $2,264 |
| 19 | 21st Century | $2,469 |
| 20 | Titan | $2,568 |
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Travelers has some of the best car insurance rates in Laredo at around $1,010 per year. This is $894 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also be considered some of the most economical Laredo, TX insurance companies.
In the rate table above, if you are a customer of Germania Mutual and switched to USAA, you might realize yearly savings of in the neighborhood of $128. Customers with Esurance may save as much as $293 a year, and California Casualty insureds might lower prices by $310 a year.
To see if your current coverage is too expensive, click here to start your custom quote or feel free to get quotes from the companies below.
Be aware that those premium estimates are averages for all drivers and vehicles and do not take into consideration a vehicle location for a Honda Civic. So the insurer that is most affordable for your situation may not even be in the list above. That point stresses why you need to get car insurance quotes using your own driver and vehicle profiles.
How to get discounts on Laredo insurance rates
Insurers that offer coverage for a Honda Civic could also offer policy discounts that could potentially reduce rates by 40% or more if you are eligible. A list of car insurance companies and some of the premium reductions they offer are shown below.
- Farm Bureau offers discounts including youthful driver, 55 and retired, good student, driver training, and safe driver.
- State Farm may include discounts for Steer Clear safe driver discount, safe vehicle, student away at school, driver’s education, multiple autos, good student, and accident-free.
- Progressive may have discounts that include homeowner, multi-vehicle, online quote discount, good student, continuous coverage, and multi-policy.
- Allstate may offer discounts for FullPay discount, resident student, economy car, new car, auto/life discount, and passive restraint.
- Nationwide policyholders can earn discounts including easy pay, Farm Bureau membership, multi-policy, accident-free, defensive driving, and family plan.
- MetLife discounts include good student, claim-free, good driver, accident-free, defensive driver, multi-policy
The information below shows the difference between auto insurance rates with and without discounts applied. The data is based on a male driver, no tickets, no at-fault accidents, Texas state minimum liability limits, comp and collision included, and $100 deductibles.
The first bar for each age group shows the price with no discounts. The second shows the rates with multiple vehicle, multiple policy, safe-driver, passive restraint, homeowner, and claim-free discounts applied. With discounts applied, theaverage amount saved on car insurance for a Honda Civic is 28% or $907.
Drive safe and save
The ideal way to maintain the best car insurance rates in Texas for a Civic is to be a careful driver and avoid at-fault accidents and violations. The information below highlights how traffic violations and fender-benders can affect premium costs for each different age category. The costs are based on a married female driver, full coverage, $250 deductibles, and no discounts are factored in.
In the previous chart, the average cost of a car insurance policy in Texas per year with a clean driving record and no accidents is $1,905. Receive one speeding ticket and the average cost jumps to $2,220, an increase of $315 each year. Next add one accident along with the one speeding ticket and the 12-month cost of car insurance for a Honda Civic jumps again to an average of $3,125. That’s an increase of $1,220, or $102 per month, just for not keeping your driving record clean!
Rate difference between full and liability-only coverage
Finding the cheapest car insurance is important to most drivers, and one of the quickest ways to find cheaper insurance for a Honda Civic is to only buy liability coverage. The diagram below visualizes the comparison of annual premium costs with and without full coverage. The costs are based on no claims or driving citations, $500 deductibles, marital status is single, and no discounts are taken into consideration.
As an average for all age groups, full coverage costs an extra $2,388 per year over liability only. That may make you wonder when is the right time to remove full coverage. There isn’t a written rule to eliminate physical damage coverage, but there is a broad guideline. If the yearly cost for physical damage coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then you might want to consider buying only liability coverage.
For example, let’s assume your vehicle’s book value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would receive is $6,000 after the deductible is paid. If you are paying over $600 a year for your policy with full coverage, then it’s probably a good time to buy liability coverage only.