Who Has Cheap Car Insurance Rates for a Honda Civic in San Antonio?

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Honda Civic insurance cost
Honda Civic insurance cost image courtesy of QuoteInspector.com

Buying economical insurance for a Honda Civic in Texas is pretty easy to do, but it relies on many different factors such as your financial responsibility, your geographic location, and your policy deductibles. Texas drivers pay on average $1,185 each year for Civic insurance, but that price is an approximation using a 50-year-old married female driver with full coverage and $250 deductibles.

This brings up the issue that more than likely you may not be 50 years old (or even female), possibly single instead of married, and you may just want the cheapest liability coverage you can find. This example demonstrates why the only real way to find the cheapest coverage for your Honda is to compare as many rates as you can. It only takes a couple of minutes and you will get price quotes from some of the most affordable companies that offer coverage in Texas.

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The trim level of your vehicle tends to have a direct effect on the coverage cost, so the price you pay to insure a Civic DX 4-Dr Sedan will be $398 cheaper than the price to insure the more well-appointed Civic SI 2-Dr Coupe version, as shown in the prices below.

Honda Civic Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $198 $412 $358 $22 $108 $1,098 $92
Civic VP 4-Dr Sedan $198 $486 $358 $22 $108 $1,172 $98
Civic LX 4-Dr Sedan $198 $486 $358 $22 $108 $1,172 $98
Civic DX 2-Dr Coupe $198 $486 $448 $26 $134 $1,292 $108
Civic EX 4-Dr Sedan $198 $486 $358 $22 $108 $1,172 $98
Civic LX-S 4-Dr Sedan $198 $486 $358 $22 $108 $1,172 $98
Civic LX 2-Dr Coupe $198 $558 $448 $26 $134 $1,364 $114
Civic EX-L 4-Dr Sedan $226 $558 $358 $22 $108 $1,272 $106
Civic SI 4-Dr Sedan $226 $558 $358 $22 $108 $1,272 $106
Civic EX 2-Dr Coupe $226 $558 $448 $26 $134 $1,392 $116
Civic GX 4-Dr Sedan $226 $558 $358 $22 $108 $1,272 $106
Civic EX-L 2-Dr Coupe $226 $558 $448 $26 $134 $1,392 $116
Civic Hybrid 4-Dr Sedan $256 $486 $358 $22 $108 $1,230 $103
Civic SI 2-Dr Coupe $256 $632 $448 $26 $134 $1,496 $125
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Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Estimates do not factor in San Antonio location which can increase or decrease premium rates greatly.

How to find a good San Antonio auto insurance company

Buying coverage from a good quality car insurance company is difficult considering how many companies sell insurance in San Antonio. The company information shown next can help you analyze which coverage providers to look at when shopping your coverage around. The rankings below are only made up of large insurance companies, so companies with more of a regional focus are not included in these rankings.

Top 10 Major Auto Insurance Providers in San Antonio Ranked by Claims Service

  1. Travelers
  2. Nationwide
  3. Allstate
  4. State Farm
  5. Liberty Mutual
  6. GEICO
  7. American Family
  8. Esurance
  9. Titan Insurance
  10. AAA Insurance

Top 10 Major Auto Insurance Providers Overall in San Antonio

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive

The diagram below shows how different deductible levels can impact insurance costs when trying to find cheap insurance for a Honda Civic. The data is based on a married female driver, comprehensive and collision coverage, and no discounts are applied.

The data above shows that a 50-year-old driver could pocket $390 a year by changing from a $100 deductible to a $500 deductible, or save $586 by using a $1,000 deductible. Young drivers, like the Age 20 category, could roll back prices $966 annually just by choosing higher deductibles. When insureds make the decision to increase the deductibles on their policy, it will be required to have enough in a savings account to enable you to pay the extra out-of-pocket expense, which is the main drawback of higher deductibles.

Full coverage versus liability only rates

Buying cheaper auto insurance should be important to most people, and one great way to buy cheap insurance for a Honda Civic is to not insure for full coverage. The example below illustrates the difference between insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Texas. The rate quotes are based on no claims, a clean driving record, $500 deductibles, drivers are single, and no other discounts are factored in.

If averaged out across all ages, comp and collision coverage costs an extra $2,293 per year over and above liability only. That amount may make you wonder if buying full coverage is a good investment. There is no clear-cut formula of when to exclude physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of having full coverage is more than about 10% of the replacement cost minus the deductible, then you may want to consider only buying liability coverage.

Insurance rate increases from tickets or accidents

In a perfect world, the best way to earn low auto insurance prices in Texas for a Civic is to be a safe driver and not get tickets or have accidents. The chart below illustrates how speeding tickets and fender-benders can affect yearly insurance costs for each age group. The prices are based on a single male driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied.

In the chart above, the average cost of an auto insurance policy per year with no violations or accidents is $2,096. Factor in two speeding tickets and the average cost swells to $2,768, an increase of $672 each year. Now include one accident along with the two speeding tickets and the 12-month cost of auto insurance for a Honda Civic increases to an average of $3,469. That's an increase of $1,373, or $114 per month, just for not being attentive to the road!