Finding the cheapest coverage for a Honda Civic in Texas is dependent upon a fairly complex equation with a lot of factors such as the safety rating of your vehicle, your address, and citations or violations on your driving record. Drivers in Texas pay around $1,052 per year for Civic insurance, but that cost is a projection using a 50-year-old married female driver with full physical damage coverage and $500 deductibles.
But there is a good chance that you’re not a 50-year-old female, maybe you are single instead of married, or maybe your Civic is old enough that it doesn’t require full coverage. Having the smallest difference in rating criteria or coverage limits could result in a significant change in how much insurance for a Honda Civic costs.
There is no one cookie-cutter policy that works for everyone, so the way we recommend to find cheap insurance prices for your Honda is to compare rates from as many companies as possible.
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The specific trim level will be a contributing factor to the coverage cost, so the rate you will pay to insure a Civic DX 4-Dr Sedan trim level will be $346 less than the cost to insure the more well-appointed Civic SI 2-Dr Coupe trim level, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Civic DX 4-Dr Sedan||$160||$332||$358||$22||$108||$980||$82|
|Civic VP 4-Dr Sedan||$160||$392||$358||$22||$108||$1,040||$87|
|Civic LX 4-Dr Sedan||$160||$392||$358||$22||$108||$1,040||$87|
|Civic DX 2-Dr Coupe||$160||$392||$448||$26||$134||$1,160||$97|
|Civic EX 4-Dr Sedan||$160||$392||$358||$22||$108||$1,040||$87|
|Civic LX-S 4-Dr Sedan||$160||$392||$358||$22||$108||$1,040||$87|
|Civic LX 2-Dr Coupe||$160||$450||$448||$26||$134||$1,218||$102|
|Civic EX-L 4-Dr Sedan||$184||$450||$358||$22||$108||$1,122||$94|
|Civic SI 4-Dr Sedan||$184||$450||$358||$22||$108||$1,122||$94|
|Civic EX 2-Dr Coupe||$184||$450||$448||$26||$134||$1,242||$104|
|Civic GX 4-Dr Sedan||$184||$450||$358||$22||$108||$1,122||$94|
|Civic EX-L 2-Dr Coupe||$184||$450||$448||$26||$134||$1,242||$104|
|Civic Hybrid 4-Dr Sedan||$208||$392||$358||$22||$108||$1,088||$91|
|Civic SI 2-Dr Coupe||$208||$510||$448||$26||$134||$1,326||$111|
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Table data represents married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Table data does not factor in Corpus Christi location which can impact premiums significantly.
Determining which insurers offer the most affordable insurance rates for a Honda Civic will involve a little more work in order to find a policy that fits your budget. Every car insurance company uses a slightly different approach for determining prices, so to begin we’ll rank the most budget-friendly insurance companies in Texas.
We do need to point out that Corpus Christi insurance rates are calculated based on many things that may substantially change your annual premium. Improving your credit rating, getting married, or getting caught speeding can produce rate changes that can cause some rates to be cheaper than competitors.
Find the Cheapest Auto Insurance for Your Honda
|Rank||Company||Cost Per Year|
|3||Texas Farm Bureau||$1,211|
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Travelers generally has some of the lowest car insurance rates in Corpus Christi at around $1,010 per year. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty also rank well as some of the more affordable Corpus Christi, TX auto insurance companies.
As illustrated above, if you have coverage with Germania Mutual and switched to USAA, you might see a yearly price reduction of approximately $128. Policyholders with California Casualty might save as much as $268 a year, and Esurance policyholders might cut rates by $279 a year.
Be aware that those policy rates are averages across all drivers and vehicles in Texas and are not factoring in an exact vehicle garaging location for a Honda Civic. So the car insurance company that is best for you may not even be in the top 23 companies shown above. That illustrates why you need to compare rates from as many companies as possible using your own driver and vehicle profiles.
Discount Corpus Christi insurance rates
Insurers that offer coverage for a Honda Civic may have special discounts that could reduce prices by as much as 40% or more if you meet the requirements. Large insurance companies and the discounts they provide are shown below.
- GEICO offers discounts for daytime running lights, five-year accident-free, anti-lock brakes, emergency military deployment, and anti-theft.
- MetLife may have discounts that include multi-policy, defensive driver, good driver, accident-free, and claim-free.
- State Farm policyholders can earn discounts including safe vehicle, defensive driving training, multiple autos, good driver, Drive Safe & Save, Steer Clear safe driver discount, and accident-free.
- Progressive may offer discounts for multi-vehicle, multi-policy, homeowner, good student, continuous coverage, and online signing.
- Mercury Insurance may include discounts for accident-free, annual mileage, age of vehicle, professional/association, good student, anti-theft, and good driver.
- 21st Century offers discounts including defensive driver, automatic seat belts, early bird, driver training, student driver, teen driver, and anti-lock brakes.
- Allstate discounts include premier plus, eSmart discount, new car, resident student, and FullPay discount.
The diagram below compares insurance premiums with and without discounts applied to the premium. The rate quotes are based on a female driver, a clean driving record, no at-fault accidents, Texas 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 multiple vehicle, claim-free, passive restraint, vehicle safety, safe-driver, and marriage discounts applied. When discounts are applied, the average amount saved each year on insurance for a Honda Civic is 28% or $710.
Your low-price policy may be costing you money
Corpus Christi, TX insurance rates are calculated based on many things that will increase or decrease the price of coverage. Simply improving your credit, buying higher coverage limits, or having an at-fault accident can cause premium changes that can make some companies cheaper than before. In addition, auto insurance companies change premium rates multiple times each year in order to offset underwriting gains or losses. Unexpectedly high claims may cause more expensive premiums, while less frequent claims may produce cheaper Civic insurance rates.
The data below shows the cheapest car insurance in Corpus Christi, TX for a 30-year-old female driver with a clear driving record, no claims, and a high credit rating. If we compare prices based on her current risk profile, Travelers may have the most affordable car insurance rates in Corpus Christi at $1,145 annually. This is $759 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty also make the list of the cheapest Corpus Christi, TX auto insurance companies.
Now let’s give the driver in the first chart an at-fault accident, poor credit, and a speeding citation. Since every insurance provider uses their own calculation for determining rates in each state, comparing insurance quotes may now result in a different list of the cheapest car insurance companies in Corpus Christi as shown below.
USAA now has the cheapest insurance rate in Corpus Christi, TX with State Farm, Mercury, Nationwide, and Safe Auto now being in the top five. This example proves why consumers need to take the time to shop around with many companies to get the best auto insurance rates for a Honda Civic. Rates can be altered by many risk factors and can increase or decrease at any time, so the most affordable company two years ago may now be wasting a lot of money.