Who Has Cheap Car Insurance Quotes for a Honda Civic in Austin?

Honda Civic insurance cost image courtesy of QuoteInspector.com

Buying the cheapest car insurance for a Honda Civic in Texas hinges on an enormous amount of rating factors such as whether you are single or married, the likelihood of your vehicle being stolen, and your choice of physical damage deductibles. Texas drivers will pay on average $1,185 annually for Civic insurance, but that figure is an estimation calculated using a 50-year-old married female driver with full comprehensive and collision coverage and $250 deductibles.

The issue that arises when projecting rates is that it's very likely that you may not be 50 years old (or even female), maybe you are single instead of married, and you don't want the same coverages and limits as the example. Just a slight change in rating variables or coverage information could result in a significant change in how much coverage for a Honda Civic costs.

Every driver's needs are different, and that is why the only real way to find affordable rates for your Honda is to do your own rate comparisons.

View Honda Civic Insurance Rates

The trim level of your Honda tends to have a direct impact on the annual cost of coverage, so the rate you pay to insure a Civic DX 4-Dr Sedan model will be $398 less than the insurance cost for the high end Civic SI 2-Dr Coupe trim level, as shown in the chart below.

Data rating is based on married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Rate information does not factor in zip code location which can affect premiums considerably.

Locating low-priced auto insurance is not easy, and figuring out which companies quote the cheapest auto insurance rates for a Honda Civic requires a bit more work. Each company uses a different method to set policy rates, so we'll take a look at the overall cheapest auto insurance companies in Austin.

Find the Best Cheap Insurance for Your Honda

Compare Rates and Save

Travelers may have some of the best car insurance rates in Austin at around $1,010 annually. This is $894 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also make the list of some of the cheapest Austin, TX insurance companies.

As shown above, if you buy coverage from Germania Mutual and switched to USAA, you might achieve savings of roughly $127. Policyholders with Esurance may save as much as $304 a year, and California Casualty insureds might realize rate reductions of up to $307 a year.

To see how much you can save, click here to get quotes or visit any of the low-priced companies below.

Bear in mind that those prices are averaged across all drivers and vehicles in Texas and do not take into consideration a specific zip code for a Honda Civic. So the car insurance company that is most affordable for your situation may not even be in the top 23 companies in the list above. That's why you need to quote rates from as many companies as possible using your own specific driver information and vehicle.

Safe drivers pay cheaper rates

The easiest way to score the best auto insurance rates for a Civic is to drive attentively and avoid accidents and keep your driving record clean. The diagram below demonstrates how traffic citations and at-fault fender-benders influence insurance premiums for each age group. The price estimates are based on a married female driver, comp and collision included, $250 deductibles, and no other discounts are factored in.

The data above shows the average cost of auto insurance in Austin per year with no violations or accidents is $1,783. Factor in two speeding tickets and the average cost jumps to $2,538, an increase of $754 each year. Then add in one accident along with the two speeding tickets and the annual cost of auto insurance for a Honda Civic increases to an average of $3,306. That's an increase of $1,523, or $127 per month, just for being a little careless behind the wheel!

Discounts on Austin auto insurance rates

Insurers that provide coverage for a Honda Civic may have special discounts that can lower rates by as much as 35% or more if you qualify for them. Larger auto insurance companies and the discounts they provide can be read below.

• State Farm may have discounts that include passive restraint, defensive driving training, anti-theft, multiple policy, and Steer Clear safe driver discount.
• American Family may offer discounts for good student, Steer into Savings, TimeAway discount, accident-free, and early bird.
• AAA includes discounts for AAA membership discount, pay-in-full, anti-theft, good student, multi-policy, and good driver.
• GEICO offers premium reductions for good student, multi-vehicle, five-year accident-free, federal employee, and emergency military deployment.
• Mercury Insurance offers discounts including annual mileage, good student, accident-free, multi-policy, good driver, location of vehicle, and low natural disaster claims.
• Farmers Insurance offers discounts for homeowner, teen driver, mature driver, multi-car, and business and professional.
• Progressive may include discounts for homeowner, online signing, online quote discount, continuous coverage, good student, multi-vehicle, and multi-policy.

The diagram below shows the difference between annual premium costs with and without policy discounts. The data is based on a female driver, no claims or violations, Texas state minimum liability limits, full coverage, and $1,000 deductibles.

The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with multiple vehicle, accident-free, multiple policy, vehicle safety, safe-driver, and defensive driving course discounts applied. When drivers take advantage of discounts, theaverage yearly reduction on auto insurance for a Honda Civic is 28% or $636.

Why are you paying too much for Civic insurance?

Texas auto insurance rates are calculated based on many things which can substantially change the cost of having a policy. Simply having another birthday, adding a teenager to your policy, or getting a few speeding tickets can trigger rate changes that can make some companies cheaper than before. In addition, insurance companies file new rates at least once a year as an adjustment for underwriting gains or losses. A period of higher than normal claims may cause additional premium costs, while profitable underwriting can result in lower-priced Civic insurance rates.

As an example, the chart below shows which company has the cheapest car insurance in Austin, TX for a 35-year-old male driver with no accidents or violations, and a decent credit rating. When quoting prices based on his current rating profile, Travelers quotes the cheapest car insurance rates in Austin at $1,129 per year. This is $775 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty are the rest of the most affordable Austin, TX auto insurance companies.

Let's now give the driver in the first chart an at-fault accident, a lower credit rating, and an imperfect driving record. Because each company has a unique approach for determining rates, comparing rates could result in a different list of the cheapest companies as shown below.

State Farm now has the cheapest rate in Austin with Mercury, Nationwide, Safe Auto, and USAA also being competitive. This illustrates why drivers need to spend some time comparing rates when trying to find the cheapest car insurance quotes for a Honda Civic. Prices are calculated by many factors and change substantially, so the most economical company the last time you checked may now be quite expensive.

The insurance agencies below can most likely provide answers to your questions and help you determine which policy fits your needs best, since many people would rather get some professional input when shopping around for cheaper insurance for a Honda Civic. It can be time-consuming to find the cheapest auto insurance company, so agents can give satisfaction knowing you have adequate asset protection.

To find an auto insurance agency by location nearest to you, click the button following the list or click here to compare prices now.

Find an Austin, TX insurance agent near you

Ideas for finding the cheapest auto insurance for a Honda Civic

The list below summarizes a few money-saving ideas that can help drivers buy more affordable car insurance.

• Full coverage is expensive so only insure older vehicles for liability only
• Vehicles with good safety ratings have lower liability rates
• Pay lower rates with good credit
• Save money by insuring your home and auto with the same company
• Avoid preventable accidents
• Shop around and save

That last tip is highly critical, as we discussed in the article above. Prices can change significantly in a year, so don't be unwilling to buy from a different company if you can find a cheaper rate. Sticking with a specific company is fine, but is isn't recommended if that inflexibility results in costing you a small fortune. Take a couple minutes and compare rates to find cheaper car insurance for a Honda Civic in Austin.