Who Has the Cheapest Newark Car Insurance Rates for a Honda Civic?

Buying cheap coverage for a Honda Civic in New Jersey is dependent upon a complicated formula that considers factors such as whether the vehicle is new, your credit rating, and the deductible amount you use. Drivers will pay around $1,641 each year for Civic insurance, but that cost is an approximation based upon a 50-year-old married female driver with full physical damage coverage and $100 deductibles.

The issue that arises when projecting rates is that it’s very likely that you are not 50 and maybe not even a female, you might be single instead of married, or maybe you live in a different area as the quoted rates. Even a minor change in rating variables or coverage information may result in a big change in the cost of insurance for a Honda Civic.

Auto insurance is unique to each driver, so the only way to find cheap insurance rates for your Honda is to do a thorough rate comparison. Do a quick rate comparison now and you will receive prices from some of the most affordable companies that offer coverage in New Jersey.

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The trim level of your vehicle tends to have a direct effect on the coverage cost, so the rate you will pay to insure a Civic DX 4-Dr Sedan trim level will be $568 lower than the insurance cost for the fancier Civic SI 2-Dr Coupe trim level, as demonstrated by the prices below.

Honda Civic Insurance Rates in Newark, NJ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $278 $620 $452 $26 $136 $1,512 $126
Civic VP 4-Dr Sedan $278 $730 $452 $26 $136 $1,622 $135
Civic LX 4-Dr Sedan $278 $730 $452 $26 $136 $1,622 $135
Civic DX 2-Dr Coupe $278 $730 $564 $34 $170 $1,776 $148
Civic EX 4-Dr Sedan $278 $730 $452 $26 $136 $1,622 $135
Civic LX-S 4-Dr Sedan $278 $730 $452 $26 $136 $1,622 $135
Civic LX 2-Dr Coupe $278 $840 $564 $34 $170 $1,886 $157
Civic EX-L 4-Dr Sedan $318 $840 $452 $26 $136 $1,772 $148
Civic SI 4-Dr Sedan $318 $840 $452 $26 $136 $1,772 $148
Civic EX 2-Dr Coupe $318 $840 $564 $34 $170 $1,926 $161
Civic GX 4-Dr Sedan $318 $840 $452 $26 $136 $1,772 $148
Civic EX-L 2-Dr Coupe $318 $840 $564 $34 $170 $1,926 $161
Civic Hybrid 4-Dr Sedan $360 $730 $452 $26 $136 $1,704 $142
Civic SI 2-Dr Coupe $360 $952 $564 $34 $170 $2,080 $173
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Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and New Jersey minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Premium costs do not factor in specific location information which can increase or decrease coverage prices noticeably.

Establishing which companies have the best insurance rates for a Honda Civic may require a bit more effort in order to find the most economical policy. Every car insurance company uses a little different formula to set premium rates, so to begin we’ll rank the insurance companies that tend to have lower prices in New Jersey.

Best Cheap Insurance Rates for Your Honda

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Who has the cheapest car insurance in New Jersey?
Rank Company Cost Per Year
1 21st Century $1,067
2 Travelers $1,191
3 New Jersey Manufacturers $1,271
4 Palisades $1,354
5 Penn National $1,366
6 California Casualty $1,451
7 The Hartford $1,476
8 Allstate $1,523
9 USAA $1,553
10 Mercury $1,651
11 Esurance $1,856
12 Amica $1,887
13 Progressive $1,938
14 MetLife $1,991
15 GEICO $2,174
16 State Farm $2,182
17 Encompass $2,397
18 Liberty Mutual $3,008
19 Hanover $3,909
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21st Century has some of the most affordable car insurance rates in Newark at around $1,067 annually. This is $785 less than the average rate paid by New Jersey drivers of $1,852. Travelers, New Jersey Manufacturers, Palisades, and Penn National would also be considered some of the cheapest Newark, NJ insurance companies.

As illustrated above, if you have coverage with Penn National and switched to Travelers, you could see an annual savings of approximately $175. Insureds with California Casualty might save as much as $260 a year, and The Hartford policyholders might cut rates by $285 a year.

It’s important to note that these policy prices are averaged across all drivers and vehicles in New Jersey and do not take into consideration 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 19 companies shown above. That’s why you need to compare rates from multiple companies using your own driver information and specific vehicle type.

Impact of speeding/accidents on Newark insurance rates

In a perfect world, the ideal way to obtain affordable insurance rates in Newark for a Civic is to pay attention while driving and maintain a clean driving record. The diagram below highlights how speeding tickets and at-fault accidents can impact annual premium costs for different categories of driver ages. The rates are based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no additional discounts are factored in.

The data above shows the average cost of auto insurance in Newark per year with a clean driving record and no accidents is $3,743. Factor in one speeding ticket and the average cost jumps to $4,299, an increase of $555 each year. Now include two accidents along with the one speeding ticket and the yearly cost of insurance for a Honda Civic increases to an average of $8,926. That’s an increase of $5,183, or $432 per month, just for not driving carefully!

Discounts on Newark insurance

Discounts on insurance for a Honda CivicInsurance companies that provide coverage for a Honda Civic may have rate discounts that could potentially reduce rates by 35% or more if you meet specific criteria. Popular insurance companies and a partial list of their discounts are:

The illustration below compares annual premium costs with and without discounts applied to the policy premium. The premium estimates are based on a female driver, no accidents or driving violations, New Jersey state minimum liability limits, comp and collision included, and $100 deductibles.

The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with marriage, passive restraint, homeowner, claim-free, safe-driver, and accident-free discounts applied. When discounts are applied, theaverage amount saved on insurance for a Honda Civic is 28% or $909.

The information below shows how choosing a deductible can increase or decrease insurance prices when researching cheap insurance for a Honda Civic. The data is based on a single female driver, comp and collision included, and no other discounts are factored in.

In the chart above, a 50-year-old driver could lower their policy premium by $560 a year by increasing from a $100 deductible to a $500 deductible, or save $834 by changing to a $1,000 deductible. Even younger drivers, such as the 20-year-old chart data, could reduce their rates up to $1,452 annually by using higher deductibles when buying full coverage.

If you do decide to increase your deductibles, it’s a good idea to have enough spare savings to enable you to pay the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.