What Auto Insurance is Cheapest for a Honda Civic in Lubbock?

Finding competitive insurance for a Honda Civic can be pretty simple, but it is dependent upon a pretty complex algorithm that uses a lot of factors such as driver age, the size of your vehicle, and your motor vehicle report. Drivers in Texas will pay around $1,258 annually for Civic insurance, but that cost is a valuation using a 40-year-old single female driver with full comprehensive and collision coverage and $1,000 deductibles.

When making auto insurance estimates, the issue arises that you are not 40 and maybe not even a female, you might be married instead of single, and maybe your Civic is older and does not require full coverage. Insurance is an individual thing, so the best way to find cheap insurance rates for your Honda is to compare as many rates as you can.

Find Cheaper Honda Civic Insurance

The trim level of your Civic can impact the insurance rate, so the price you pay to insure a Civic DX 4-Dr Sedan trim level will be $404 less expensive the price to insure the high end Civic SI 2-Dr Coupe version, as shown by the rates below.

Honda Civic Insurance Rates in Lubbock, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $152 $352 $496 $30 $148 $1,178 $98
Civic VP 4-Dr Sedan $152 $416 $496 $30 $148 $1,242 $104
Civic LX 4-Dr Sedan $152 $416 $496 $30 $148 $1,242 $104
Civic DX 2-Dr Coupe $152 $416 $620 $36 $186 $1,410 $118
Civic EX 4-Dr Sedan $152 $416 $496 $30 $148 $1,242 $104
Civic LX-S 4-Dr Sedan $152 $416 $496 $30 $148 $1,242 $104
Civic LX 2-Dr Coupe $152 $478 $620 $36 $186 $1,472 $123
Civic EX-L 4-Dr Sedan $174 $478 $496 $30 $148 $1,326 $111
Civic SI 4-Dr Sedan $174 $478 $496 $30 $148 $1,326 $111
Civic EX 2-Dr Coupe $174 $478 $620 $36 $186 $1,494 $125
Civic GX 4-Dr Sedan $174 $478 $496 $30 $148 $1,326 $111
Civic EX-L 2-Dr Coupe $174 $478 $620 $36 $186 $1,494 $125
Civic Hybrid 4-Dr Sedan $198 $416 $496 $30 $148 $1,288 $107
Civic SI 2-Dr Coupe $198 $542 $620 $36 $186 $1,582 $132
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Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Rates do not factor in specific zip code location which can decrease or increase auto insurance rates significantly.

Trying to buy low-cost insurance is not the easiest thing to accomplish, and figuring out which company has the most affordable car insurance rates for a Honda Civic requires even more rate comparisons. Each insurance company has a different process to determine rates, so to begin we’ll rank the car insurance companies with the overall best prices in Lubbock, TX.

It’s a good idea to know that Lubbock, TX car insurance rates are based on many factors that will increase or decrease the policy premium. This price variation is why it is critical to shop around with many companies when trying to get the lowest insurance rates for a Honda Civic. Insurance rates can be determined by many risk factors and can change substantially, so the best option a year ago may now be one of the more expensive options.

Cheapest Insurance Rates for Your Honda

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Travelers may offer some of the best car insurance rates in Lubbock at around $1,021 a year. This is $883 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also rank well as some of the most economical Lubbock, TX auto insurance companies.

As shown in the rates above, if you are insured with Germania Mutual and switched to Travelers, you might realize yearly savings of in the vicinity of $261. Texas drivers with Esurance may save as much as $358 a year, and California Casualty policyholders might reduce prices by as much as $403 a year.

If you want to see how much you could save, click here to get a free quote or visit any of the companies below.

Remember that these prices are averages across all insureds and vehicles and do not factor in an exact vehicle garaging location for a Honda Civic. So the company that can offer the best rates for your situation may not even be in the list above. That point stresses why you need to compare rates from as many companies as possible using your own driver information and specific vehicle type.

The example below illustrates how your choice of deductibles can raise or lower insurance premiums when getting quotes for cheap insurance for a Honda Civic. The premium estimates are based on a married female driver, full coverage, and no discounts are applied to the premium.

The chart above illustrates that a 40-year-old driver could save $298 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $450 by choosing a $1,000 deductible. Young drivers, like the 20-year-old, could reduce their rates up to $742 or more by choosing a larger deductible amount. If you make the decision to raise deductibles, it is important to have plenty of money set aside to enable you to pay the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.

Accidents and violations increase rates

In a perfect world, the best way to maintain good car insurance prices in Lubbock for a Civic is to be a careful driver and have a clean driving record. The illustration below demonstrates how speeding tickets and at-fault claims can influence insurance rates for different age categories. The information is based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied to the premium.

The data charted above shows the average cost of car insurance per year with no accidents or violations is $2,203. Factor in two speeding tickets and the average cost jumps to $3,050, an increase of $846 each year. Now include one accident along with the two speeding tickets and the annual cost of car insurance for a Honda Civic goes up to an average of $3,901. That’s an increase of $1,697, or $141 per month, just for being a careless driver!

Here’s why you should compare rates often

Lubbock car insurance rates are based on many factors which can significantly increase or decrease the policy price. Getting older, buying a new vehicle, or getting a ticket for running a stop sign may cause policy rate changes resulting in some companies being much cheaper than others.

Not only may your situation change, but auto insurance companies modify rates as often as every quarter to adjust for heavy claims or excess profits. Significantly higher claims can result in high rates, while a better claims history can cause lower-priced Civic insurance rates.

As an example, the chart below shows the companies that have the cheapest car insurance in Lubbock, TX for a 35-year-old male driver with no accidents, a clean driving record, and solid credit. Based on his current risk factors, Travelers might quote the lowest car insurance rates in Lubbock at $1,201 per year. This is $703 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty round out the rest of the cheapest Lubbock, TX auto insurance companies.

Let’s now give the driver from above some claims, less-than-perfect credit, and a blemish on his driving record. Because each insurer uses their own calculation for determining rates, comparing prices could now result in a completely different list of cheap Lubbock auto insurance companies as shown below.

Mercury now has the best car insurance rate in Lubbock, TX with State Farm, Nationwide, Safe Auto, and USAA now rounding out the top five. This illustrates why it is critical to perform a complete rate comparison to find affordable car insurance quotes for a Honda Civic.

Insurance prices can be altered by many factors and change frequently, so the best price the last time you shopped your coverage around may now be an over-priced policy.

Ideas for finding economical auto insurance for a Honda Civic

Lowering your rates is not difficult, and here are some of the recommended thrifty ideas that can help Texas drivers locate cheap coverage.

That last piece of advice is notably necessary, as was discussed in this piece. Insurance rates can change in a short period of time, so don’t be afraid to buy a different policy if a cheaper price is available. Many consumers stick with the same company and that’s fine, but it’s not a great idea if that loyalty results in overpaying hundreds of dollars year after year. It takes less than five minutes to compare prices and find cheaper auto insurance for a Honda Civic in Lubbock.