Finding cheap car insurance for a Honda Civic in New York is fairly simple, but it relies on a very complex rating algorithm that uses multiple factors such as annual miles driven, what you do for a living, and whether or not you are a good driver. Drivers will pay around $1,008 a year to insure their Civic, but that is an estimate calculated based on a 40-year-old married male driver with full comprehensive and collision coverage and $100 deductibles.
There is a good probability you are not 40 and maybe not even a male, maybe you are single instead of married, and you may just want the cheapest liability coverage you can find. Everone’s needs are different, and this illustrates why the way we recommend to find affordable rates for your Honda is to compare as many rates as possible.
Cheapest Honda Civic Insurance Rates
The specific trim level tends to have a direct impact on price, so the price you will be charged to insure a Civic DX 4-Dr Sedan will be $348 cheaper than the insurance cost for the more expensive Civic SI 2-Dr Coupe model, as demonstrated by the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $180 | $378 | $272 | $16 | $82 | $928 | $77 |
| Civic VP 4-Dr Sedan | $180 | $446 | $272 | $16 | $82 | $996 | $83 |
| Civic LX 4-Dr Sedan | $180 | $446 | $272 | $16 | $82 | $996 | $83 |
| Civic DX 2-Dr Coupe | $180 | $446 | $340 | $20 | $102 | $1,088 | $91 |
| Civic EX 4-Dr Sedan | $180 | $446 | $272 | $16 | $82 | $996 | $83 |
| Civic LX-S 4-Dr Sedan | $180 | $446 | $272 | $16 | $82 | $996 | $83 |
| Civic LX 2-Dr Coupe | $180 | $514 | $340 | $20 | $102 | $1,156 | $96 |
| Civic EX-L 4-Dr Sedan | $208 | $514 | $272 | $16 | $82 | $1,092 | $91 |
| Civic SI 4-Dr Sedan | $208 | $514 | $272 | $16 | $82 | $1,092 | $91 |
| Civic EX 2-Dr Coupe | $208 | $514 | $340 | $20 | $102 | $1,184 | $99 |
| Civic GX 4-Dr Sedan | $208 | $514 | $272 | $16 | $82 | $1,092 | $91 |
| Civic EX-L 2-Dr Coupe | $208 | $514 | $340 | $20 | $102 | $1,184 | $99 |
| Civic Hybrid 4-Dr Sedan | $234 | $446 | $272 | $16 | $82 | $1,050 | $88 |
| Civic SI 2-Dr Coupe | $234 | $580 | $340 | $20 | $102 | $1,276 | $106 |
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Premium data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and New York minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Information does not factor in Buffalo location which can change premiums noticeably.
Buying coverage from a good quality insurer can be a challenge considering how many choices drivers have in Buffalo. The company rank data shown below could help you pick which car insurance companies you want to consider when shopping around.
These ratings only include the largest companies in the United States, so companies that only write business in New York or surrounding areas are not factored into this list. If you wish to compare prices from many more New York auto insurance companies, click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| The General | 96 | 100 | 92 | 91% | A- | 95 |
| Mercury Insurance | 87 | 96 | 100 | 87% | A+ | 93.4 |
| The Hartford | 88 | 96 | 91 | 93% | A+ | 92.6 |
| Progressive | 84 | 94 | 99 | 90% | A+ | 92.4 |
| Travelers | 84 | 93 | 100 | 87% | A++ | 92.3 |
| State Farm | 84 | 93 | 95 | 87% | A++ | 91 |
| Farmers Insurance | 87 | 92 | 90 | 85% | A | 90.6 |
| Erie Insurance | 92 | 90 | 82 | 88% | A+ | 88.5 |
| Safeco Insurance | 85 | 91 | 87 | 86% | A | 88.4 |
| USAA | 71 | 93 | 98 | 87% | A++ | 88 |
| GEICO | 73 | 93 | 95 | 85% | A++ | 87.1 |
| 21st Century | 85 | 85 | 91 | 89% | A | 86.9 |
| Liberty Mutual | 72 | 91 | 97 | 83% | A | 86.4 |
| AAA Insurance | 85 | 85 | 88 | 86% | A | 85.8 |
| Nationwide | 71 | 90 | 93 | 83% | A+ | 84.9 |
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Data Source: Insure.com Best Car Insurance Companies
Get discounts on Buffalo auto insurance rates
Car insurance companies that offer quotes for a Honda Civic may also provide premium discounts that could reduce prices by 40% or more if you meet the requirements. Popular insurance companies and their offered discounts are:
- State Farm offers discounts including accident-free, good student, safe vehicle, anti-theft, and defensive driving training.
- Progressive may include discounts for good student, online quote discount, homeowner, online signing, continuous coverage, and multi-policy.
- Travelers may offer discounts for save driver, payment discounts, multi-car, multi-policy, and good student.
- American Family may have discounts that include good driver, early bird, multi-vehicle, air bags, defensive driver, accident-free, and Steer into Savings.
- Liberty Mutual includes discounts for new vehicle discount, exclusive group savings, new move discount, multi-policy, preferred payment discount, safety features, and teen driver discount.
The example below shows the comparison of insurance prices with and without discounts being applied to the rates. The prices are based on a male driver, no violations or accidents, New York state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, anti-theft, vehicle safety, accident-free, marriage, and passive restraint discounts applied. When drivers qualify for the discounts, theamount saved on insurance for a Honda Civic is 28% or $431.
Compare quotes and save
Buffalo insurance rates are calculated based on many things that may substantially change the policy premium. Simply improving your credit, having a teenage driver, or getting a driving violation can trigger price changes that may make certain companies affordable when they were higher priced.
Not only that, but companies change rates every year or even multiple times each year to reflect underwriting profits or losses. An extended period of higher than normal claims may result in increased policy costs, while lower claims can produce cheaper Civic insurance rates.
To illustrate this example, the data below shows which company has the cheapest car insurance in Buffalo, NY for a 45-year-old female driver with a clean driving record, no accidents, and solid credit. Based on her current risk profile, USAA has the cheapest car insurance rates in Buffalo at $1,822 per year. This is $253 less than the average policy premium paid by New York drivers of $2,075. Erie, Utica National, Progressive, and Allstate are also included in the cheapest Buffalo, NY auto insurance companies.
The example below compares rates after we give the driver from the first set of rates a claim or two, less-than-perfect credit, and an imperfect driving record. Due to the fact that each insurance company uses a different method for filing rates in each state, comparing quotes will most likely result in a new list of the cheapest Buffalo car insurance companies as shown below.
Amica now has the cheapest car insurance in Buffalo with MetLife, Preferred Mutual, Erie, and New York Central Mutual now being in the top five. This example proves why it is important to perform a complete rate comparison to get the most economical car insurance quotes for a Honda Civic.
Insurance rates can be determined by many things and change frequently, so the best option three years ago may now cost much more than other companies.