Buying the best cheap car insurance for a Honda Civic in Washington relies on a complicated rating formula that uses factors such as when you were born, your profession, and citations on your driving record. Drivers will pay on average $1,217 a year to insure their Civic, but that figure is an approximation calculated based on a 30-year-old single male driver with full physical damage coverage and $250 deductibles.
When projecting a rate like this, the problem is that you’re not a 30-year-old male, married instead of single, or maybe you just want different deductibles. There is no one cookie-cutter policy that works for everyone, so the best way to find cheap car insurance rates for your Honda is to just take the time to compare rates yourself. To start saving now, get free quotes and you can get prices from the best auto insurance companies that offer coverage in Washington.
View Honda Civic Insurance Rates
The specific trim level will influence the cost of coverage, so the price you pay to insure a Civic DX 4-Dr Sedan trim level will be $404 less than the price to insure the fancier Civic SI 2-Dr Coupe version, as shown in the chart below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $226 | $384 | $386 | $22 | $116 | $1,134 | $95 |
| Civic VP 4-Dr Sedan | $226 | $452 | $386 | $22 | $116 | $1,202 | $100 |
| Civic LX 4-Dr Sedan | $226 | $452 | $386 | $22 | $116 | $1,202 | $100 |
| Civic DX 2-Dr Coupe | $226 | $452 | $482 | $28 | $144 | $1,332 | $111 |
| Civic EX 4-Dr Sedan | $226 | $452 | $386 | $22 | $116 | $1,202 | $100 |
| Civic LX-S 4-Dr Sedan | $226 | $452 | $386 | $22 | $116 | $1,202 | $100 |
| Civic LX 2-Dr Coupe | $226 | $520 | $482 | $28 | $144 | $1,400 | $117 |
| Civic EX-L 4-Dr Sedan | $260 | $520 | $386 | $22 | $116 | $1,304 | $109 |
| Civic SI 4-Dr Sedan | $260 | $520 | $386 | $22 | $116 | $1,304 | $109 |
| Civic EX 2-Dr Coupe | $260 | $520 | $482 | $28 | $144 | $1,434 | $120 |
| Civic GX 4-Dr Sedan | $260 | $520 | $386 | $22 | $116 | $1,304 | $109 |
| Civic EX-L 2-Dr Coupe | $260 | $520 | $482 | $28 | $144 | $1,434 | $120 |
| Civic Hybrid 4-Dr Sedan | $294 | $452 | $386 | $22 | $116 | $1,270 | $106 |
| Civic SI 2-Dr Coupe | $294 | $590 | $482 | $28 | $144 | $1,538 | $128 |
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Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Washington minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Premium costs do not factor in garaging location in Seattle which can raise or lower premiums greatly.
Comparing rates for reasonably-priced car insurance is tough enough, and determining which companies offer the most affordable auto insurance rates for a Honda Civic requires a bit more work. Every car insurance company has their own guidelines for filing rates in each state, so first we will examine the auto insurance companies with the most affordable rates in Washington.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Capital | $754 |
| 2 | Grange | $838 |
| 3 | PEMCO | $964 |
| 4 | Nationwide | $981 |
| 5 | Travelers | $1,028 |
| 6 | The Hartford | $1,048 |
| 7 | USAA | $1,050 |
| 8 | Mutual Enumclaw | $1,065 |
| 9 | California Casualty | $1,083 |
| 10 | Allied | $1,109 |
| 11 | Chubb | $1,116 |
| 12 | State Farm | $1,130 |
| 13 | Safeco | $1,180 |
| 14 | American Family | $1,208 |
| 15 | Amica | $1,243 |
| 16 | Liberty Mutual | $1,309 |
| 17 | Farmers | $1,369 |
| 18 | Progressive | $1,465 |
| 19 | National General | $1,525 |
| 20 | MetLife | $1,647 |
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Capital generally has some of the most affordable car insurance rates in Seattle at around $754 per year. This is $658 less than the average policy premium paid by Washington drivers of $1,412. Grange, PEMCO, Nationwide, and Travelers also are some of the most economical Seattle, WA auto insurance companies.
As the example above demonstrates, if you have coverage with Nationwide and switched to Capital, you might achieve yearly savings of in the neighborhood of $227. Drivers with Travelers could save as much as $274 a year, and The Hartford customers might lower prices by $294 a year.
Bear in mind that those policy rates are averages for all ages of drivers and types of vehicles and do not factor in an exact zip code location for a Honda Civic. So the car insurance company that fits your age and vehicle best may not even be in the list above. That is why you need to compare rates from as many companies as possible using your own driver data and vehicle information.
Discounts on Seattle car insurance
Insurers that offer cheap quotes for a Honda Civic may have rate discounts that can lower rates by as much as 35% or more if you meet the requirements. A list of companies and their possible discounts are included below.
- State Farm includes discounts for accident-free, Drive Safe & Save, defensive driving training, driver’s education, and student away at school.
- Progressive may have discounts that include homeowner, good student, continuous coverage, multi-vehicle, online quote discount, and online signing.
- Progressive may include discounts for online quote discount, multi-policy, homeowner, good student, multi-vehicle, and online signing.
- MetLife has savings for good student, good driver, accident-free, claim-free, and multi-policy.
- Farm Bureau offers discounts for multi-policy, driver training, youthful driver, renewal discount, 55 and retired, and safe driver.
- GEICO may offer discounts for multi-vehicle, membership and employees, anti-theft, five-year accident-free, defensive driver, and anti-lock brakes.
- SAFECO offers premium reductions for multi-car, safe driver, homeowner, anti-theft, teen safe driver, bundle discounts, and drive less.
The example below compares insurance rates with and without discounts being applied to the rates. The premiums assume a female driver, no violations or accidents, Washington state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with accident-free, safe-driver, multiple vehicle, passive restraint, multiple policy, and anti-theft discounts applied. When drivers take advantage of discounts, theaverage yearly reduction on auto insurance for a Honda Civic is 28% or $556.
Your low-price policy may be costing you money
Seattle auto insurance rates are calculated based on many things that may substantially change your annual premium. Simply having another birthday, increasing deductibles, or getting a reckless driving citation can trigger rate changes that can now make some companies more affordable than competitors.
Not only may things change on your end, but insurance companies file new rates as often as every quarter to adjust for unexpected claims or profits. Higher than normal claim frequency or severity may cause rate increases, while a better claims history can produce lower-priced Civic insurance rates.
The chart below shows the company with the cheapest car insurance in Seattle, WA for a 40-year-old male driver with no accidents or violations, and a good credit rating. If we estimate prices based on his current risk factors, Capital may have the lowest car insurance rates in Seattle at $1,101 each year. This is $311 less than the average rate paid by Washington drivers of $1,412. Grange, Nationwide, PEMCO, and Travelers are also included in the best Seattle, WA auto insurance companies.
The example below compares rates after we give the driver in the first example some claims, a lower credit score, and an imperfect driving record. Since each auto insurance company has a unique approach to establish rates, comparing prices will most likely result in a slightly different list of affordable Seattle car insurance companies as shown below.
USAA now has the best insurance rate in Seattle with Mutual Enumclaw, California Casualty, Chubb, and Allied also being competitive. This shows why consumers need to take the time to do a thorough rate comparison when trying to find the lowest auto insurance rates for a Honda Civic.
Insurance prices can be determined by many factors and can change substantially, so the best option when you bought your policy may now be wasting a lot of money.
Ideas to find economical auto insurance for a Honda Civic
It’s not impossible to find cheaper rates, and here are some of the better money-saving solutions that can help drivers find cheaper coverage.
- Multi-policy discounts save money
- Improve your credit
- Assess whether full coverage is needed
- Raise your deductibles
- Having too many claims will increase rates substantially
- Safer vehicles generally have cheaper insurance rates
- Shop around for cheaper prices often
The last tip in the list is very valuable, as we pointed out in this piece. Prices in Seattle go up and down frequently, so don’t hesitate to buy a policy from a new company if you can find a cheaper rate.
Having a favorite company is great, but it’s not a good idea if your bullheadedness ends up costing you money that could be spent on other things. Now is a great time to shop around to find cheaper auto insurance for a Honda Civic.
The Seattle car insurance agencies listed below can probably answer your questions and help you decide which auto insurance policy fits you best, since some drivers have questions and prefer to have some professional guidance when shopping for cheaper insurance for a Civic. It can be time-consuming to find coverage yourself, so getting advice from a licensed Washington insurance agent can bring comfort knowing your coverage gives you adequate asset protection.
To find a Seattle insurance agent near you, click the link at the bottom.
- Thury Foster – State Farm Insurance Agent
444 NE Ravenna Blvd #104 – Seattle, WA 98115 – (206) 985-2528 - Sheila Burrus – State Farm Insurance Agent
1115 N Northgate Way – Seattle, WA 98133 – (206) 364-2210 - Ezra Teshome – State Farm Insurance Agent
1510 14th Ave – Seattle, WA 98122 – (206) 322-3910 - Andy Hubbard – State Farm Insurance Agent
1515 NW 52nd St a – Seattle, WA 98107 – (206) 789-4211