Insurance rates Honda Civic in ChesapeakeWould you like to find more competitive Honda Civic insurance in Chesapeake? Having to pay for high-priced Honda Civic insurance in Chesapeake can bottom out your funds and force you to make tough financial choices.

A study showed that most car insurance buyers have stayed with the same insurance company for at least four years, and 38% of drivers have never even compared rates from other companies. Most drivers in Virginia can save hundreds of dollars each year by just comparing rate quotes, but they don't believe how much savings they would realize if they replace their high priced policy. People have multiple auto insurance companies to pick from, and although it's nice to be able to choose, lots of choices makes it harder to find the best rates for your vehicles.

Seven factors that affect insurance costs

An important part of buying insurance is that you know the factors that help calculate the rates you pay for insurance. If you have some idea of what determines base rates, this allows you to make good choices that could help you find lower insurance prices.

The itemized list below are most of the major factors that factor into prices.

The following companies have been selected to offer price comparisons in Virginia. If several companies are displayed, we suggest you compare several of them in order to find the cheapest rates.

Honda Civic Insurance Rates in Chesapeake, VA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $166 $392 $290 $18 $88 $954 $80
Civic VP 4-Dr Sedan $136 $312 $262 $16 $78 $804 $67
Civic LX 4-Dr Sedan $110 $270 $248 $14 $74 $716 $60
Civic DX 2-Dr Coupe $166 $462 $338 $20 $102 $1,088 $91
Civic EX 4-Dr Sedan $140 $318 $258 $16 $78 $810 $68
Civic LX-S 4-Dr Sedan $214 $580 $348 $20 $104 $1,266 $106
Civic LX 2-Dr Coupe $92 $280 $338 $20 $102 $832 $69
Civic EX-L 4-Dr Sedan $252 $542 $338 $20 $100 $1,252 $104
Civic SI 4-Dr Sedan $226 $454 $338 $20 $100 $1,138 $95
Civic EX 2-Dr Coupe $106 $280 $338 $20 $102 $846 $71
Civic GX 4-Dr Sedan $156 $386 $248 $14 $74 $878 $73
Civic EX-L 2-Dr Coupe $190 $532 $338 $20 $102 $1,182 $99
Civic Hybrid 4-Dr Sedan $240 $532 $334 $20 $100 $1,226 $102
Civic SI 2-Dr Coupe $142 $352 $308 $18 $92 $912 $76
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Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Premium amounts do not factor in specific location which can change auto insurance rates noticeably.

Choosing deductibles

One of the most common auto insurance questions is which comprehensive and collision deductibles to buy. The premium rates below may help to illustrate the cost difference when you select higher and lower physical damage deductibles. The first rate estimation uses a $250 physical damage coverage deductible and the second rate chart uses a $500 deductible.

Honda Civic insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $174 $336 $258 $16 $78 $887 $74
Civic VP 4-Dr Sedan $174 $394 $258 $16 $78 $945 $79
Civic LX 4-Dr Sedan $174 $394 $258 $16 $78 $945 $79
Civic DX 2-Dr Coupe $174 $394 $322 $20 $96 $1,031 $86
Civic EX 4-Dr Sedan $174 $394 $258 $16 $78 $945 $79
Civic LX-S 4-Dr Sedan $174 $394 $258 $16 $78 $945 $79
Civic LX 2-Dr Coupe $174 $454 $322 $20 $96 $1,091 $91
Civic EX-L 4-Dr Sedan $198 $454 $258 $16 $78 $1,029 $86
Civic SI 4-Dr Sedan $198 $454 $258 $16 $78 $1,029 $86
Civic EX 2-Dr Coupe $198 $454 $322 $20 $96 $1,115 $93
Civic GX 4-Dr Sedan $198 $454 $258 $16 $78 $1,029 $86
Civic EX-L 2-Dr Coupe $198 $454 $322 $20 $96 $1,115 $93
Civic Hybrid 4-Dr Sedan $224 $394 $258 $16 $78 $995 $83
Civic SI 2-Dr Coupe $224 $514 $322 $20 $96 $1,201 $100
Get Your Own Custom Quote Go
Honda Civic insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $140 $270 $258 $16 $78 $762 $64
Civic VP 4-Dr Sedan $140 $318 $258 $16 $78 $810 $68
Civic LX 4-Dr Sedan $140 $318 $258 $16 $78 $810 $68
Civic DX 2-Dr Coupe $140 $318 $322 $20 $96 $896 $75
Civic EX 4-Dr Sedan $140 $318 $258 $16 $78 $810 $68
Civic LX-S 4-Dr Sedan $140 $318 $258 $16 $78 $810 $68
Civic LX 2-Dr Coupe $140 $366 $322 $20 $96 $944 $79
Civic EX-L 4-Dr Sedan $162 $366 $258 $16 $78 $880 $73
Civic SI 4-Dr Sedan $162 $366 $258 $16 $78 $880 $73
Civic EX 2-Dr Coupe $162 $366 $322 $20 $96 $966 $81
Civic GX 4-Dr Sedan $162 $366 $258 $16 $78 $880 $73
Civic EX-L 2-Dr Coupe $162 $366 $322 $20 $96 $966 $81
Civic Hybrid 4-Dr Sedan $182 $318 $258 $16 $78 $852 $71
Civic SI 2-Dr Coupe $182 $414 $322 $20 $96 $1,034 $86
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Information does not factor in your specific Chesapeake location which can lower or raise premium rates greatly.

Based on this data, using a $250 deductible will cost you about $12 more each month or $144 annually than buying the higher $500 deductible. Because you would pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to average at least 21 months between claim filings, you would more than likely save some money if you decide on a higher deductible.

Comparison of auto insurance rates by gender

The example below shows the comparison of Honda Civic premium costs for male and female drivers. The information is based on no claims or driving violations, full coverage, $250 deductibles, marital status is single, and no other discounts are factored in.

The largest companies are not always cheapest

Consumers can't avoid all the ads for insurance savings by Progressive, Allstate and GEICO. All the companies advertise the message about savings if you move to them.

How can each company offer drivers better rates? It's all in the words they use.

Companies quote their best rates for the type of customer that earns them the most money. A good example of a preferred risk should be a mature driver, has never had a claim, and insures a new vehicle. Any new insured who matches those parameters gets the lowest rates and therefore will save if they switch.

Potential customers who fall outside those criteria may receive higher prices and this can result in the driver buying from a lower-cost company. The trick companies use is to say "people that switch" but not "all drivers who get quotes" can save as much as they claim. That is how companies can make the claims of big savings.

Because every company is different, drivers should compare quotes as often as possible. It is impossible to guess the company that will provide you with the cheapest Honda Civic insurance in Chesapeake.

Why you need to buy auto insurance

Despite the high cost, maintaining insurance is required by state law in Virginia and it also provides benefits you may not be aware of.

The benefits of having insurance more than offset the price you pay, particularly if you ever have a claim. Today the average American driver is overpaying more than $865 each year so it's important to compare rates once a year at a minimum to help ensure money is not being wasted.

Get cheaper Honda Civic insurance in Chesapeake with discounts

Car insurance is not cheap, but there's a good chance there are discounts that can help lower your rates. Certain discounts will be triggered automatically when you purchase, but some may not be applied and must be specially asked for before you will receive the discount.Discount auto insurance

Discounts lower rates, but some credits don't apply to your bottom line cost. Some only apply to the price of certain insurance coverages like collision or personal injury protection. Despite the fact that it seems like all the discounts add up to a free policy, you're out of luck.

Companies that may include some of the discounts shown above include:

Double check with each insurance company the best way to save money. Some of the earlier mentioned discounts may not be available in Chesapeake. To find companies offering auto insurance discounts in Chesapeake, click this link.

Independent and exclusive insurance agents

Some consumers prefer to sit down and talk to an agent and often times that is recommended Good insurance agents are highly skilled in risk management and help you file claims. A nice benefit of getting online price quotes is that you can find cheaper auto insurance rates and still have an agent to talk to. Buying from and supporting neighborhood insurance agencies is still important in Chesapeake.

To find an agent, once you fill out this short form, your insurance coverage information gets sent to companies in Chesapeake who will gladly provide quotes for your car insurance coverage. You never need to find an agent as quotes are delivered instantly to you. If you want to get a rate quote from one company in particular, you just need to jump over to their website and submit a quote form there.

The following is a short list of auto insurance companies in Chesapeake that are able to give comparison quotes for Honda Civic insurance in Chesapeake.


681 N Battlefield Blvd l - Chesapeake, VA 23320 - (757) 436-1704 - View Map


200 N Battlefield Blvd #6 - Chesapeake, VA 23320 - (757) 410-9900 - View Map


1484 Kempsville Rd Ste A - Chesapeake, VA 23320 - (757) 965-4459 - View Map


732 Eden Way N m - Chesapeake, VA 23320 - (757) 420-9640 - View Map

More Chesapeake agents

Finding the right provider should include more criteria than just a cheap price. Here are some questions you should ask.

Everyone needs different car insurance coverages

When selecting your policy, there isn't really a one-size-fits-all type of policy. Everyone's situation is unique so your insurance needs to address that.Safe vehicles cost less to insure Here are some questions about coverages that might help in determining whether your personal situation may require specific advice.

If you're not sure about those questions, you might consider talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of car insurance companies in your area. It is quick, free and may give you better protection.

The lowest rates come from being thorough

You just learned a lot of tips how to save on Honda Civic insurance in Chesapeake. The key concept to understand is the more times you quote, the better your comparison will be. Consumers may even find the most savings is with a company that doesn't do a lot of advertising. Regional companies may only write in your state and offer lower car insurance rates compared to the large companies like State Farm or Progressive.

The cheapest Honda Civic insurance in Chesapeake can be found both online as well as from independent agents in Chesapeake, and you should compare price quotes from both in order to have the best chance of saving money. A few companies do not provide the ability to get a quote online and most of the time these regional carriers only sell through independent agents.

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