Finding cheap coverage for a Honda Civic relies on a whole bunch of factors such as whether you are single or married, whether or not you have filed claims in the past, and any driving offenses on your record. Drivers in Pennsylvania will pay around $1,123 each year for Civic insurance, but that price is an estimate based upon a 50-year-old married female driver with full comprehensive and collision coverage and $100 deductibles.
When projecting a rate like this, the problem is that you aren’t exactly 50 years old or even a female, you might be single instead of married, or maybe you have a teen driver on your policy that needs to be considered. Having different needs demonstrates why the way we recommend to find the most affordable coverage for your Honda is to compare as many rates as you can.
Your vehicle’s trim level has an effect on the annual cost of coverage, so the price you pay to insure a Civic DX 4-Dr Sedan will be $388 less than the cost to insure the fancier 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||$190||$424||$310||$18||$92||$1,034||$86|
|Civic VP 4-Dr Sedan||$190||$500||$310||$18||$92||$1,110||$93|
|Civic LX 4-Dr Sedan||$190||$500||$310||$18||$92||$1,110||$93|
|Civic DX 2-Dr Coupe||$190||$500||$386||$22||$116||$1,214||$101|
|Civic EX 4-Dr Sedan||$190||$500||$310||$18||$92||$1,110||$93|
|Civic LX-S 4-Dr Sedan||$190||$500||$310||$18||$92||$1,110||$93|
|Civic LX 2-Dr Coupe||$190||$576||$386||$22||$116||$1,290||$108|
|Civic EX-L 4-Dr Sedan||$218||$576||$310||$18||$92||$1,214||$101|
|Civic SI 4-Dr Sedan||$218||$576||$310||$18||$92||$1,214||$101|
|Civic EX 2-Dr Coupe||$218||$576||$386||$22||$116||$1,318||$110|
|Civic GX 4-Dr Sedan||$218||$576||$310||$18||$92||$1,214||$101|
|Civic EX-L 2-Dr Coupe||$218||$576||$386||$22||$116||$1,318||$110|
|Civic Hybrid 4-Dr Sedan||$246||$500||$310||$18||$92||$1,166||$97|
|Civic SI 2-Dr Coupe||$246||$652||$386||$22||$116||$1,422||$119|
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Above prices assume married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Premium amounts do not factor in specific location which can raise or lower insurance rates noticeably.
Selecting the highest-rated company can be difficult considering how many companies there are to choose from in Pennsylvania. The ranking data displayed below could help you select which auto insurance companies to look at when shopping around. These rankings include the largest companies in the United States, so companies that only write business in Pennsylvania or surrounding areas will not be included in this list.
Top 10 Major Car Insurance Companies in Pittsburgh Ranked by Customer Satisfaction
- Titan Insurance – 93%
- The Hartford – 93%
- The General – 91%
- Progressive – 90%
- 21st Century – 89%
- USAA – 87%
- Erie Insurance – 87%
- State Farm – 87%
- Travelers – 87%
- Safeco Insurance – 86%
Driving violations and accidents
In a perfect world, the ideal way to receive the best car insurance prices in Pennsylvania for a Civic is to drive safe and avoid accidents and violations. The information below shows how speeding tickets and fender-benders can drive up insurance premiums for different age groups. The costs are based on a married female driver, comp and collision included, $100 deductibles, and no other discounts are factored in.
The data charted above shows the average cost of auto insurance in Pennsylvania per year with no violations or accidents is $2,314. Factor in one speeding ticket and the average cost rises to $2,695, an increase of $381 each year. Now add one accident along with the one speeding ticket and the yearly cost of car insurance for a Honda Civic goes up to an average of $3,803. That’s an increase of $1,490, or $124 per month, just for not being a responsible driver!
Get discounts on Pittsburgh car insurance rates
Insurance companies that provide coverage for a Honda Civic may additionally offer special discounts that may potentially lower prices by 30% or more if you are eligible for them. Companies and a summarized list of policyholder discounts are:
- State Farm includes discounts for multiple policy, defensive driving training, anti-theft, safe vehicle, driver’s education, multiple autos, and accident-free.
- GEICO offers discounts for daytime running lights, federal employee, multi-vehicle, good student, anti-lock brakes, and membership and employees.
- SAFECO may offer discounts for multi-car, teen safe driver, safe driver, homeowner, anti-theft, drive less, and anti-lock brakes.
- Farmers Insurance may have discounts that include homeowner, business and professional, alternative fuel, multi-car, distant student, electronic funds transfer, and early shopping.
- AAA discounts include education and occupation, AAA membership discount, multi-policy, anti-theft, and good student.
- USAA has savings for good student, new vehicle, loyalty savings, military installation, safe driver, and driver training.
The information below illustrates the difference between insurance rates with and without discounts applied to the policy rates. The data assumes a male driver, no claims, a clean driving record, Pennsylvania state minimum liability limits, comp and collision included, and $100 deductibles.
The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with passive restraint, accident-free, defensive driving course, anti-theft, vehicle safety, and multiple policy discounts applied. When drivers qualify for the discounts, theaverage yearly reduction on car insurance for a Honda Civic is 28% or $657.
The benefit of shopping around
Pittsburgh, PA car insurance rates are impacted by many things that can increase the cost of coverage. Simply having a birthday, buying a new vehicle, or having an at-fault accident may prompt premium changes that can now make some companies cheaper than competitors. Not only may things change on your end, but car insurance companies file new Pennsylvania auto insurance rates as often as every quarter in order to remain profitable. Heavy losses may cause rate increases, while less frequent claims can produce cheaper Civic insurance rates.
As an example, the data below compares the cheapest car insurance in Pittsburgh, PA for a 40-year-old female driver with no violations or accidents, and good credit. If we compare prices based on her current risk factors, General Casualty might quote the lowest car insurance rates in Pittsburgh at $888 each year. This is $769 less than the average rate paid by Pennsylvania drivers of $1,657. USAA, Erie, Travelers, and Penn National round out the rest of the top five cheapest Pittsburgh, PA auto insurance companies.
Now we will pretend the driver from the first set of rates some claims, a lower credit rating, and a stop sign violation. Since every car insurance company uses their own formula for determining rates in each state, comparing insurance quotes most likely will result in a different set of companies as shown below.
Auto-Owners now has the lowest price in Pittsburgh with Atlantic States, Erie, Travelers, and Donegal Mutual now rounding out the top five. This demonstrates why consumers need to take the time to shop around to get the most affordable insurance rates for a Honda Civic.
Insurance rates can be altered by many different factors and can decrease or increase without notice, so the cheapest rate two years ago may now be priced much higher than other options.
How to find budget-friendly insurance for a Honda Civic
The list below details a few thrifty solutions that can help Pennsylvania drivers find cheaper coverage.
- On older vehicles, drop full coverage
- Good credit can save money
- Having at-fault accidents will increase rates
- Safe vehicles generally have lower rates
- Avoid getting citations and tickets
- Increase the comprehensive and collision deductibles on your policy
- Comparison shop at least once a year
That final tip is remarkably crucial, as was discussed in the prior information. Insurance rates can change considerably in a year, so you should be ready to buy a policy from a new company if a more affordable price is available.
Sticking with a specific company is fine, but it isn’t a good idea if that stubbornness costs you a considerable chunk of change every month. Take a few minutes and compare rates and find cheaper insurance for a Honda Civic in Pittsburgh.
If you wish to get some help when shopping for cheaper insurance for a Honda Civic, the agents below can probably provide answers to your questions and help you determine which insurance coverage you need.
To find an auto insurance agency by location nearest to you, click the button after the list or click here to compare rates now.
Joy Capozzi – State Farm Insurance Agent
3111 Banksville Rd #207 – Pittsburgh, PA 15216 – (412) 344-3014
Darla Zeli – State Farm Insurance Agent
2513 E Carson St – Pittsburgh, PA 15203 – (412) 431-7166
2544 Library Rd # 205 – Pittsburgh, PA 15234 – (412) 563-2390