Discount Honda Civic insuranceWish you could get out of an expensive insurance policy? Trust us, there are many Virginia Beach drivers thinking the same thing.

It's shocking but nearly 70% of consumers kept buying from the same company for at least the last four years, and approximately 40% of consumers have never compared rates with other companies. Drivers in Virginia Beach could pocket nearly 45% a year, but they just don't want to find cheaper rates by getting comparison quotes.

Many car insurance companies compete for your hard-earned dollar, and it can be difficult to compare rates to find the lowest rate on Honda Civic insurance in Virginia Beach.

Consumers should take time to price shop coverage quite often because insurance prices go up and down regularly. If you had the best rates on Honda Civic insurance in Virginia Beach on your last policy you can probably find a lower rate today. Forget anything you know (or think you know) about insurance because I'm going to let you in on the secrets to the proper way to find the best coverage while lowering your premiums.

Cheapest companies for Honda Civic insurance

The companies shown below are ready to provide free quotes in Virginia. If the list has multiple companies, we recommend you get rates from several of them to get a more complete price comparison.

Honda Civic Insurance Costs in Virginia Beach, VA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $186 $452 $334 $20 $100 $1,092 $91
Civic VP 4-Dr Sedan $198 $394 $338 $20 $100 $1,050 $88
Civic LX 4-Dr Sedan $104 $244 $262 $16 $78 $704 $59
Civic DX 2-Dr Coupe $170 $454 $390 $24 $116 $1,154 $96
Civic EX 4-Dr Sedan $156 $392 $348 $20 $104 $1,020 $85
Civic LX-S 4-Dr Sedan $148 $392 $242 $14 $72 $868 $72
Civic LX 2-Dr Coupe $82 $238 $302 $18 $90 $730 $61
Civic EX-L 4-Dr Sedan $140 $378 $290 $18 $88 $914 $76
Civic SI 4-Dr Sedan $112 $264 $266 $16 $80 $738 $62
Civic EX 2-Dr Coupe $126 $312 $308 $18 $92 $856 $71
Civic GX 4-Dr Sedan $156 $360 $262 $16 $78 $872 $73
Civic EX-L 2-Dr Coupe $172 $462 $308 $18 $92 $1,052 $88
Civic Hybrid 4-Dr Sedan $156 $328 $290 $18 $88 $880 $73
Civic SI 2-Dr Coupe $176 $468 $418 $24 $126 $1,212 $101
Get Your Own Custom Quote Go

Premium data assumes single female driver age 40, 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. Information does not factor in specific location information which can revise insurance rates substantially.

Physical damage deductible comparison

One of the more difficult decisions when buying auto insurance is which deductible level should you buy. The premium rates below can help you understand the rate difference when you select higher and lower policy deductibles. The first set of prices uses a $250 physical damage coverage deductible and the second pricing table uses a $500 deductible.

Honda Civic insurance prices 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 prices 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

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Rate quotes do not factor in specific Virginia Beach garaging location which can alter rates considerably.

Based on this data, we can arrive at the conclusion that using a $250 deductible could cost the average driver approximately $12 more each month or $144 for a full year than buying the higher $500 deductible. Since you would pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you tend to go at a minimum 21 months between claims, you would most likely save money by selecting a higher deductible. The table below shows an example of how we made this calculation.

Average monthly premium for $250 deductibles: $85
Average monthly premium for $500 deductibles (subtract): - $73
Monthly savings from raising deductible: $12
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $12
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 21 months

Cost difference between full coverage and liability

The illustration below examines Honda Civic annual premium costs with full coverage and liability only. The premium estimates are based on a clean driving record, no claims, $500 deductibles, married female driver, and no additional discounts are factored in.

When to stop buying physical damage coverage

There is no exact rule of when to exclude physical damage coverage, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is more than around 10% of the replacement cost minus the deductible, then you might want to think about dropping full coverage.

For example, let's say your Honda Civic claim settlement value is $9,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $8,000 after paying the physical damage deductible. If premiums are more than $800 a year for comprehensive and collision coverage, then it might be time to consider dropping full coverage.

There are a few situations where only buying liability is not financially feasible. If you still have a loan on your vehicle, you are required to maintain full coverage as part of the loan conditions. Also, if you can't afford to buy a different vehicle if your current one is in an accident, you should keep full coverage.

Smart Consumers Can Lower Their Insurance Prices

A large part of saving on car insurance is knowing the different types of things that aid in calculating car insurance rates. When you understand what determines premiums, this allows you to make good choices that can help you get much lower annual insurance costs. Many things are used when you get your auto insurance bill. Most are fairly basic like an MVR report, but other criteria are not quite as obvious like where you live or your commute time.

The items below are some of the things companies use to determine rates.

These discounts can lower Honda Civic insurance rates

Some providers don't always publicize every discount they offer in a way that's easy to find, so the list below gives a summary of some of the best known as well as the least known credits that you can use to lower your rates.Car insurance discounts

A little disclaimer on discounts, most discounts do not apply the the whole policy. Most only apply to the price of certain insurance coverages like liability and collision coverage. Even though it may seem like you can get free auto insurance, you won't be that lucky.

Insurance companies that may have some of the above discounts may include but are not limited to:

Before you buy a policy, ask all the companies which credits you are entitled to. Some of the earlier mentioned discounts may not be offered in Virginia Beach. If you would like to see a list of car insurance companies that offer some of these discounts in Virginia Beach, click this link.

Independent or exclusive auto insurance agents

Some people would prefer to get professional advice from a licensed agent and that can be a smart move One of the best bonuses of comparing rates online is you can get lower rates and still have a local agent.

Insurance agency in Virginia BeachTo find an agent, once you fill out this simple form, the coverage information gets sent to local insurance agents in Virginia Beach who want to provide quotes to get your business. You never need to do any legwork because prices are sent to you instantly. You can get cheaper auto insurance rates and work with a local agent. If you wish to get a comparison quote for a specific company, you can always jump over to their website to submit a rate quote request.

Selecting an provider needs to be determined by more than just the bottom line cost. The following questions are important to ask.

Insurance agent types

If you're trying to find a local insurance agency, it helps to know the two different types of agencies and how they can service your needs differently. Agents in Virginia Beach can be categorized as either exclusive agents or independent agents.

Exclusive Agencies

Exclusive agents are contracted to one company and examples are Farmers Insurance, American Family, State Farm and Allstate. They generally cannot shop your coverage around so you need to shop around if the rates are high. They are usually quite knowledgeable on their company's products which helps them sell insurance even at higher premiums.

The following is a short list of exclusive insurance agents in Virginia Beach who can help you get rate quotes.


562 Lynnhaven Pkwy #201 - Virginia Beach, VA 23452 - (757) 227-9700 - View Map


928 Diamond Springs Rd Ste 131 - Virginia Beach, VA 23455 - (757) 497-3853 - View Map


5660 Indian River Rd #126 - Virginia Beach, VA 23464 - (757) 366-0322 - View Map

More insurance agents

Independent Agents

Agents that choose to be independent do not sell for just one brand so they can quote policies through many different auto insurance companies and potentially find a lower price. If they quote lower rates, they can switch companies in-house and you don't have to switch agencies.

When comparing auto insurance rates, it's recommended you include several independent agencies to get the most accurate price comparison.

Below is a list of independent agents in Virginia Beach that can give you price quote information.


1248 Culver Ln - Virginia Beach, VA 23454 - (757) 426-2664 - View Map


3213 Virginia Beach Blvd - Virginia Beach, VA 23452 - (757) 340-0028 - View Map


5268 Fairfield Shopping Centre - Virginia Beach, VA 23464 - (757) 366-0366 - View Map

More insurance agents

Everyone needs different car insurance coverages

When it comes to your policy, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs and your car insurance should unique, too.Safe vehicles cost less to insure These are some specific questions can aid in determining if your insurance needs would benefit from professional advice.

If you're not sure about those questions but you think they might apply to your situation, you may need to chat with an agent. To find an agent in your area, complete this form or click here for a list of car insurance companies in your area.

Cheaper auto insurance is a realistic goal

As you go through the steps to switch your coverage, it's not a good idea to sacrifice coverage to reduce premiums. In many instances, someone sacrificed collision coverage to discover at claim time that it was a big mistake. Your aim should be to buy the best coverage you can find at an affordable rate, but do not skimp to save money.

Throughout this article, we presented many ways to reduce Honda Civic insurance car insurance rates online in Virginia Beach. The key concept to understand is the more times you quote, the better your comparison will be. Drivers may even discover the best price on auto insurance is with a smaller regional carrier. These smaller insurers can often insure niche markets at a lower cost than the large multi-state companies such as State Farm, GEICO and Nationwide.

Other learning opportunities