How Much are Insurance Quotes for a Honda Civic in Virginia?

How Much are Insurance Quotes for a Honda Civic in Virginia?

When talking about auto insurance, the words “cheap” or “affordable” should never be used anywhere in the article as a descriptor for car insurance rates. Notwithstanding, cheap car insurance for a Honda Civic is pretty hard to find. But don’t despair, because we will tell you how you can find insurance that is easier on your budget.

The chances of buying the cheapest car insurance for a Honda Civic in Virginia hinges on a lot of rating factors like your birth date, if you have ever let your policy lapse, and whether or not you are a good driver. Drivers in Virginia pay an average of $1,190 annually to insure a Civic, but that rate is an estimation calculated based on a 40-year-old single female who requires comprehensive and collision coverage and $100 physical damage deductibles.

The issue with using an average estimated rate is the likelihood you’re not a 40-year-old female, married instead of single, or maybe you have a teenager that needs to be on your policy. Car insurance rates are unique for each driver, so the only way to find cheap insurance rates for your Honda is to compare rates from as many companies as possible. Quotes only take a couple of minutes and you will get price quotes from some of the best insurers that sell coverage in Virginia.

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The specific trim level will be a contributing factor to price, so the cost to insure a Civic DX 4-Dr Sedan will be $410 lower than the price to insure the higher-end Civic SI 2-Dr Coupe version, as shown in the chart below.

Honda Civic Insurance Rates in Virginia
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $186 $452 $334 $20 $100 $1,092 $91
Civic VP 4-Dr Sedan $186 $532 $334 $20 $100 $1,172 $98
Civic LX 4-Dr Sedan $186 $532 $334 $20 $100 $1,172 $98
Civic DX 2-Dr Coupe $186 $532 $418 $24 $126 $1,286 $107
Civic EX 4-Dr Sedan $186 $532 $334 $20 $100 $1,172 $98
Civic LX-S 4-Dr Sedan $186 $532 $334 $20 $100 $1,172 $98
Civic LX 2-Dr Coupe $186 $614 $418 $24 $126 $1,368 $114
Civic EX-L 4-Dr Sedan $212 $614 $334 $20 $100 $1,280 $107
Civic SI 4-Dr Sedan $212 $614 $334 $20 $100 $1,280 $107
Civic EX 2-Dr Coupe $212 $614 $418 $24 $126 $1,394 $116
Civic GX 4-Dr Sedan $212 $614 $334 $20 $100 $1,280 $107
Civic EX-L 2-Dr Coupe $212 $614 $418 $24 $126 $1,394 $116
Civic Hybrid 4-Dr Sedan $240 $532 $334 $20 $100 $1,226 $102
Civic SI 2-Dr Coupe $240 $694 $418 $24 $126 $1,502 $125
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Virginia minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Prices do not factor in vehicle location which can decrease or increase price quotes substantially.

Ending up with a highly-rated auto insurance company is hard considering how many choices you have in Virginia. The rank data shown next can help you select which auto insurers to look at to insure your vehicles. The rankings below are only made up of the largest companies in the United States, so companies that may only write in Virginia are not taken into consideration for this list.

Top Car Insurance Companies in Virginia
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Erie Insurance 87 84 85 85% A+ 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Insure.com Best Car Insurance Companies

Get discounts on Virginia car insurance rates

Discounts on car insurance for a Honda CivicInsurance companies that provide cheap insurance for a Honda Civic in Virginia may additionally offer rate discounts that could potentially reduce rates by as much as 35% if you qualify. A list of companies and a partial list of their discounts are:

  • State Farm offers discounts including anti-theft, defensive driving training, safe vehicle, Steer Clear safe driver discount, good driver, and Drive Safe & Save.
  • Progressive discounts include homeowner, online quote discount, multi-vehicle, online signing, multi-policy, and good student.
  • Progressive policyholders can earn discounts including online signing, multi-policy, good student, continuous coverage, multi-vehicle, and online quote discount.
  • MetLife offers discounts for defensive driver, accident-free, claim-free, good driver, good student, multi-policy
  • Farm Bureau may include discounts for multi-vehicle, driver training, multi-policy, renewal discount, and safe driver.
  • GEICO includes discounts for emergency military deployment, good student, five-year accident-free, multi-policy, anti-lock brakes, military active duty, and defensive driver.
  • SAFECO offers premium reductions for multi-car, anti-theft, teen safe driver, teen safety rewards, accident prevention training, and anti-lock brakes.

The information below compares car insurance costs with and without some available policy discounts. The premiums assume a female driver, no claims or driving violations, Virginia state minimum liability limits, full coverage, and $1,000 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with anti-theft, vehicle safety, accident-free, passive restraint, marriage, and defensive driving course discounts applied. When taking advantage of discounts, the the average yearly reduction on car insurance for a Honda Civic is 28% or $428.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 2295,1645],[‘Age 30’, 1529,1103],[‘Age 40’, 1435,1035],[‘Age 50’, 1253,905],[‘Age 60’, 1215,877],[‘Age 70’, 1445,1039]]);var options = {title: ‘Effect of Discounts on Insurance Rates for a Honda Civic’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Insurance Cost for a Honda Civic in Virginia’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Last year’s bargain might be this year’s rip off

Virginia car insurance rates are influenced by many factors which can substantially decrease or increase the cost of coverage. Improving your credit rating, buying a different home, or getting a speeding ticket can trigger price changes resulting in some rates now being cheaper in comparison to the competition. Not only that, but companies change their prices multiple times each year to reflect underwriting profits or losses. A period of increased losses may result in increased rates, while less frequent claims may cause cheaper Civic insurance rates.

As an example, the data below analyzes the cheapest car insurance in Virginia for a 35-year-old female driver with no accidents or violations, and a good credit rating. If we look at prices based on her current situation, Travelers may offer the lowest car insurance rates in Virginia at $659 a year. This is $499 less than the average price paid by Virginia drivers of $1,158. USAA, Penn National, Cincinnati Insurance, and Auto-Owners are also on the list of the top five cheapest Virginia auto insurance companies.

google.charts.setOnLoadCallback(drawVAWitcqcibChart);function drawVAWitcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘Travelers’, 659, ‘#5E9216’],[‘USAA’, 709, ‘#4E7912’],[‘Penn National’, 718, ‘#41640F’],[‘Cincinnati Insurance’, 755, ‘#36530C’],[‘Auto-Owners’, 765, ‘#2D450A’]]);var options = {title: ‘Best Cheap Car Insurance for a Honda Civic’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:865,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwitc’));chart.draw(view, options);}

Let’s now give the driver in the first chart a claim, less-than-perfect credit, and a traffic citation. Due to the fact that every auto insurer uses their own calculation for establishing rates, getting updated rate quotes most likely will result in a different ranking of the cheapest Virginia car insurance companies as shown below.

google.charts.setOnLoadCallback(drawVAWcqcibChart);function drawVAWcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘Utica National’, 866.8, ‘#F57E00’],[‘Virginia Farm Bureau’, 882.2, ‘#CC6900’],[‘The Hartford’, 889.9, ‘#AA5700’],[‘Donegal Mutual’, 974.6, ‘#8D4800’],[‘Nationwide’, 1059.3, ‘#753C00’]]);var options = {title: ‘New Rates with Accident/Violation Surcharges’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 300,’chartArea’:{left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1159.3,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwc’));chart.draw(view, options);}

Utica National now has the best price in Virginia with Virginia Farm Bureau, The Hartford, Donegal Mutual, and Nationwide now being in the top five. This example proves why drivers need to take the time to shop around when trying to find the lowest car insurance quotes for a Honda Civic.

Prices can be determined by many things and can change without notice, so the best price the last time you shopped around may now be quite expensive.

How to find low-cost insurance for a Honda Civic

The list below details some thrifty ideas that can help Virginia drivers buy low-cost car insurance.

  • Good credit can mean cheaper rates
  • Increase physical damage deductibles
  • Vehicles with good safety ratings have lower liability rates
  • Avoid preventable accidents
  • Serious violations like DUI or reckless driving can increase rates dramatically
  • Comparison shop at least every other year

That last tip is certainly significant, as was discussed in this piece. Insurance prices can change in a short period of time, so drivers shouldn’t hesitate to buy a different policy if a cheaper price is available.

Loyalty to a specific company is fine, but is isn’t recommended if that stubbornness costs you money that could be going to better use. It only take a few minutes to compare rates and find cheaper auto insurance for a Honda Civic.