Who Has Cheap Auto Insurance for a Honda Civic in San Francisco?

Finding the cheapest insurance for a Honda Civic is fairly easy, but it hinges on a whole bunch of rating criteria such as your birth date, the size of your vehicle, and physical damage deductibles. Drivers in California will pay around $1,468 a year for Civic insurance, but that price is an estimation based upon a 50-year-old single male driver with full coverage and $500 deductibles.

There is a good probability you are not 50 years old and maybe not even male, maybe you are married instead of single, and you need different coverage limits than the sample rates. Have just a small change in rating variables can result in a big discrepancy in the price of coverage.

Auto insurance is unique to each driver, so the best way to find cheap insurance rates for your Honda is to just take the time to compare rates yourself.

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The trim level of your Civic will influence price, so the rate you will pay to insure a Civic DX 4-Dr Sedan will be $484 cheaper than the insurance cost for the more well-appointed Civic SI 2-Dr Coupe model, as demonstrated by the prices below.

Honda Civic Insurance Rates in San Francisco, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $208 $478 $500 $30 $150 $1,366 $114
Civic VP 4-Dr Sedan $208 $564 $500 $30 $150 $1,452 $121
Civic LX 4-Dr Sedan $208 $564 $500 $30 $150 $1,452 $121
Civic DX 2-Dr Coupe $208 $564 $624 $36 $186 $1,618 $135
Civic EX 4-Dr Sedan $208 $564 $500 $30 $150 $1,452 $121
Civic LX-S 4-Dr Sedan $208 $564 $500 $30 $150 $1,452 $121
Civic LX 2-Dr Coupe $208 $648 $624 $36 $186 $1,702 $142
Civic EX-L 4-Dr Sedan $238 $648 $500 $30 $150 $1,566 $131
Civic SI 4-Dr Sedan $238 $648 $500 $30 $150 $1,566 $131
Civic EX 2-Dr Coupe $238 $648 $624 $36 $186 $1,732 $144
Civic GX 4-Dr Sedan $238 $648 $500 $30 $150 $1,566 $131
Civic EX-L 2-Dr Coupe $238 $648 $624 $36 $186 $1,732 $144
Civic Hybrid 4-Dr Sedan $270 $564 $500 $30 $150 $1,514 $126
Civic SI 2-Dr Coupe $270 $734 $624 $36 $186 $1,850 $154
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Data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Price information does not factor in vehicle garaging location which can impact insurance rates noticeably.

Locating cheap car insurance is easier said than done, and determining which company has the most affordable car insurance rates for a Honda Civic calls for a little more work. Every insurance company has their own guidelines for determining rates in each state, so let’s rank the car insurance companies with the overall cheapest rates in San Francisco, CA.

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Cheapest insurance companies in California
Rank Company Cost Per Year
1 Wawanesa $1,146
2 USAA $1,155
3 Century National $1,178
4 CSAA $1,198
5 Nationwide $1,263
6 21st Century $1,325
7 Grange $1,447
8 Progressive $1,512
9 GEICO $1,529
10 Mercury $1,548
11 Allstate $1,559
12 Allied $1,603
13 The Hartford $1,623
14 MetLife $1,654
15 Unitrin $1,682
16 State Farm $1,733
17 Esurance $1,739
18 Bristol West $1,849
19 Travelers $1,860
20 Farmers $1,966
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Wawanesa may offer some of the most affordable car insurance rates in San Francisco at around $1,146 a year. This is $505 less than the average price paid by California drivers of $1,651. USAA, Century National, CSAA, and Nationwide are also some of the lowest-priced San Francisco, CA car insurance companies.

As shown above, if you are currently insured with CSAA and switched to USAA, you could earn savings of in the neighborhood of $43. California drivers with Nationwide could save as much as $108 a year, and 21st Century customers might cut rates by $170 a year.

Understand that those policy rates are averaged for all insureds and vehicles and and are not figured with a specific 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 top 24 companies in the list above. That points out the importance of why you need to get rate quotes from many companies using your own driver and vehicle profiles.

The information below highlights how deductible choice can impact insurance premiums when getting quotes for cheap insurance for a Honda Civic. The premiums assume a single female driver, comp and collision included, and no policy discounts are applied.

A 30-year-old driver could save $608 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $908 by selecting a $1,000 deductible. Young drivers, such as the 20-year-old example, could save as much as $1,366 or even more by selecting a higher deductible. When raising deductibles, it’s a good idea to have enough savings to enable you to pay the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.

Shop around and save

San Francisco, CA car insurance rates are impacted by many factors which can substantially decrease or increase the price you pay for coverage. Getting older, marrying your spouse, or getting a ticket for careless driving can produce rate changes that can now make some companies more affordable than the competition. Not only may your situation change, but insurers file new California car insurance rates every year to help ensure profitability. A period of higher than normal claims may result in more expensive prices, while lower claim expenses may produce cheaper Civic insurance rates.

As an example, the chart below analyzes the cheapest car insurance in San Francisco, CA for a 40-year-old female driver with no violations or accidents, and solid credit. When comparing rates based on her current risk profile, Wawanesa may have the best car insurance rates in San Francisco at $1,510 annually. This is $141 less than the average premium paid by California drivers of $1,651. USAA, Nationwide, CSAA, and Century National are the remainder of the best San Francisco, CA auto insurance companies.

The next chart shows rates after we give the driver from the first example a claim or two, a little lower credit rating, and an imperfect driving record. Due to the fact that every insurance company uses their own calculation for determining rates in each state, comparing insurance quotes may now present a different list of the cheapest companies as shown below.

Grange now has the best auto insurance rate in San Francisco with Allstate, Mercury, GEICO, and Progressive now rounding out the top five. This example shows why consumers need to shop around to get the most budget-friendly car insurance quotes for a Honda Civic.

Prices are calculated by many things and change substantially, so the best option six months ago may now be an over-priced policy.