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2004 Honda Civic Ex, 53 years old, Morgan Hill, CA

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Fixed income, can't afford insurance

State Farm increase rates by $200! I have a 2004 Honda Civic and 2012 Jeep Liberty. I rarely drive but when I do it's about 50 miles one way twice a month. I drive local. My town is pretty much a 5 mile radius. My store is 1 mile away. Maximum drive is to a store is 9 miles (costco). 

The 53-year-old insured in this example lives in Morgan Hill and owns a Honda Civic. His car insurance currently costs him $500 annually; however he hopes to reduce that amount by about $200 dollars and get it down to around $300 per year. One of the reasons why this insured is paying approximately $42 per month for auto insurance is, among other things, that he has a poor credit score. The required savings on the annual insurance should thus reach approximately 40%. Let's see if it's real.

An actual case study:

To be specific, the average car insurance rates in Morgan Hill (95037) are around $913 annually. The difference between the average rates in this area and what the mentioned client is paying is $413.
  • I am married (lower insurance rates)
  • I have a low credit score (increases insurance rates)
  • I only drive occasionally
Customer RatesYour Rates
Current auto insurance rates $500 Your Rates?
Expected auto insurance rates:$300 Your Rates?
Annual savings:$200 Your Savings?
In California, it is essential to be aware of the ideal amount for car insurance. The Minimum Bodily Injury Liability per person should be set at a minimum of $15,000, limits for Accident Property Damage liability are set at $30,000; however, if there are multiple people injured in an accident, the Minimum Bodily Injury Liability must reach up to $5,000 per incident. Complying with the legal insurance limits is necessary to keep your car insurance in Morgan Hill valid.
Without adhering to these set restrictions, you may find yourself without a policy that would protect you against collisions or other accidents.
Minimum coverage limits are the legal requirements set by each state for how much insurance coverage you must purchase. These minimums may include Bodily Injury Liability, Property Damage Liability, Personal Injury Protection (PIP), and Uninsured/Underinsured Motorist Coverage.
Coverage TypeMinimum Coverage
Bodily injury liability

per person in Morgan Hill (95037)

$15,000
Bodily injury liability

per accident in Morgan Hill (95037)

$30,000
Property damage liability

per accident in Morgan Hill (95037)

$5,000
Below you can watch a video dedicated to either car insurance for the Honda Civic in California, Morgan Hill (95037) or a review of this vehicle.

Car Insurance Premiums by Company - Annual Rates

Which insurer offers the most advantageous annual car insurance in the area with the postal code 95037?

Are you looking for a great and cost-effective Honda, Civic car insurance in 95037, California, Morgan Hill (95037)? Below is a comprehensive list of highly rated auto insurers who offer the most affordable rates. On average, it can total up to around $913 per annum or only about $76 monthly in 2024. On average, auto insurance for a Honda, Civic in Morgan Hill (95037) will cost you Approx. $1,163 annually. Due to the fact that there is no offer from ERIE in this location, you can try other regional insurers, or take a look at offers from Allstate ($548 on average for an annual policy), GEICO ($685 yearly) and others (see table below). If you're a responsible driver over 25 years old, look for the "lowest rates" column instead of the "average rates", and reap the benefits of lower prices. The table below shows both the lowest possible prices in the area and the average annual Honda, Civic insurance premium in Morgan Hill .
These prices are determined by the typical auto insurance rates for a Honda, Civic in Morgan Hill (95037). However, other factors such as age, credit score rating, driving record or marital status have an influence on these costs too. Please note that we do not collaborate with any company and receive no commissions from them whatsoever.
Insurance CompanyLowest RatesHonda, Civic in Morgan Hill (95037)
ERIE $301Not available in Morgan Hill (95037)
Auto-Owners $280Not available in Morgan Hill (95037)
Allstate $329$698 Get Quotes Agents Call
American Family $329Not available in Morgan Hill (95037)
Farmers $383$814 Get Quotes Agents Call
GEICO $411$872 Get Quotes Agents Call
Liberty Mutual $438$930 Get Quotes Agents Call
Nationwide $466$988 Get Quotes Agents Call
Progressive $493$1,047 Get Quotes Agents Call
State Farm $520$1,105 Get Quotes Agents Call
Travelers $575$1,221 Get Quotes Agents Call
USAA $602$1,279 Get Quotes Agents Call

How deductibles affect your Honda, Civic rates in Morgan Hill (95037)?

The amount of your deductible can significantly affect the cost of your insurance premium.

If you own a Honda, Civic increasing your car insurance deductible to $1000 could mean saving up to 22% on collision and comprehensive coverage! This would result in an annual premium of approximately $907 if you are a Morgan Hill (95037) resident. Nonetheless, even if $100 is more suitable for your budget right now - choosing this deductible can still offer some savings off the policy's total cost each year (about 2%), leaving only around $1,140 in yearly payments or roughly $95 monthly. On average, selecting the typical $500 deductible will result in a cost of $791 for collision and $198 for comprehensive coverage. It all boils down to finding a balance between what is best for your budget and how much risk you're willing to assume. Choosing $2,000 as your deductible on this Honda, Civic model would give you an estimated annual collision coverage of around $484 while the comprehensive premium will hover just under 121 dollars.
This table provides an analysis of the cost between Honda, Civic collision and comprehensive premiums in Morgan Hill (95037) based on the amount of your deductible. It's more budget-friendly to set a higher deductible for collision coverage, since it comprises almost three times as much of the premium cost when compared to comprehensive insurance. Conversely, you'll want to select a low deductible for your extensive coverage in order to save even more money.
Your DeductibleCollision PremiumComprehensive Premium
Zero-deductible

Increases rates significantly

$1,023$256 Get Quotes
$100

2% deductibles discount

$912$228 Get Quotes
$200

5% deductibles discount

$884$221 Get Quotes
$300

9% deductibles discount

$847$212 Get Quotes
$500

15% deductibles discount

$791$198 Get Quotes
$1000

22% deductibles discount

$726$181 Get Quotes
$2000

48% deductibles discount

$484$121 Get Quotes

Compare car insurance quotes for all Honda Civic trim levels

Discover the average Honda Civic car insurance prices for your specific location by selecting a model and its trim level below, then click "Your Rates" to view annual insurance costs. With our 2022 Honda Civic coverage calculator, you can get an accurate estimate of what it will cost to insure one of these vehicles!
Choose the exact trim variant of your car for detailed car insurance quotes.
Year Model & Trim Average Annual Rates
2022 Honda Civic, LX

LX 4dr Sedan (2.0L 4cyl CVT)

$1,270 Details Get Quotes
2022 Honda Civic, Touring

Touring 4dr Sedan (1.5L 4cyl Turbo CVT)

$1,344 Details Get Quotes
2022 Honda Civic, Sport

Sport 4dr Sedan (2.0L 4cyl CVT)

$1,270 Details Get Quotes
2022 Honda Civic, EX

EX 4dr Sedan (1.5L 4cyl Turbo CVT)

$1,344 Details Get Quotes
2022 Honda Civic, Sport Touring

Sport Touring 4dr Hatchback (1.5L 4cyl Turbo CVT)

$1,344 Details Get Quotes
2022 Honda Civic, Sport

Sport 4dr Hatchback (2.0L 4cyl CVT)

$1,270 Details Get Quotes
2022 Honda Civic, EX-L

EX-L 4dr Hatchback (1.5L 4cyl Turbo CVT)

$1,344 Details Get Quotes
2022 Honda Civic, Sport Touring

Sport Touring 4dr Hatchback (1.5L 4cyl Turbo 6M)

$1,344 Details Get Quotes
2022 Honda Civic, LX

LX 4dr Hatchback (2.0L 4cyl CVT)

$1,270 Details Get Quotes
2022 Honda Civic, Sport

Sport 4dr Hatchback (2.0L 4cyl 6M)

$1,270 Details Get Quotes
Simply input your ZIP code, and allow us to guide you towards the most beneficial car insurance in your vicinity. We are like detectives of insurance policies, committed to sniffing out the most affordable coverage for you. We diligently compare all available insurers, recommend the optimal deductibles, and tirelessly search for every possible discount. We're here to ensure you get the best deal on your auto insurance!

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