Who Has the Cheapest Insurance for a Honda Civic in Iowa?

Your chances of buying affordable coverage for a Honda Civic in Iowa is contingent on a complicated equation that takes into consideration things like your marital status, if you have ever had a coverage lapse, and if your driving record shows any at-fault accidents. Iowa drivers pay on average $730 every 12 months to insure a Civic, but that policy rate is a ballpark figure based upon a 50-year-old single male that has full coverage and $1,000 deductibles.

When estimating a car insurance rate like we just did, the issue is that you are not 50 years old and maybe not even male, married instead of single, or maybe you want more liability coverage than is required by law in Iowa. Even a slight change in the rating criteria used to formulate rates may result in a big change in policy price.

Every driver has different characteristics, so the best way to quote the most affordable coverage for your Honda is to make a habit of regularly comparing rates from other companies. Get a free quote now and you will receive rate quotes from the cheapest companies that sell coverage in Iowa.

Click Here to Start Your Quote

The trim level of your Civic impacts the coverage cost, so the price you will be charged to insure a Civic DX 4-Dr Sedan will be $234 less expensive the price to insure the more well-appointed Civic SI 2-Dr Coupe model, as shown below.

Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Iowa minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Price estimates do not factor in specific location which can modify rates significantly.

Finding out which companies quote the cheapest car insurance rates for a Honda Civic takes a tad more effort than just comparing a company or two. Every car insurance company uses different criteria for determining prices, so we’ll go over the car insurance companies with the overall cheapest rates in Iowa.

It’s important to know that Iowa car insurance rates are impacted by many things which can substantially decrease or increase the price you pay for coverage. Simply improving your credit, buying a different home, or getting a ticket for running a stop sign may prompt premium changes that can cause some rates to be cheaper than before.

Best Insurance Companies for Your Honda

Click to Compare Rates Now

USAA may have some of the cheapest car insurance rates in Iowa at around $683 a year. Partners Mutual, Western National, Allied, and Hastings Mutual also are some of the lowest-priced Iowa car insurance companies.

In the rate table above, if you buy coverage from Allied and switched to USAA, you could realize savings of approxmiately $104. Customers with Hastings Mutual may save as much as $197 a year, and State Farm policyholders might lower prices by up to $208 a year.

It’s important to note that these rates are averages for all insureds and vehicles and are not factoring in a specific rate value for a Honda Civic. So the company that can offer you the best rate may not even be included in the list above. That emphasizes why you need to quote rates from many companies using your own driver information and specific vehicle type.

Should you buy full coverage?

Finding the cheapest insurance for a Honda Civic in Iowa should be important to most people, and one easy way to pay less for insurance is to not buy comprehensive and collision coverage. The chart below shows the difference between premium costs with full physical damage coverage compared to only buying the minimum liability limits required in Iowa. The information is based on no accidents, no driving violations, $250 deductibles, marital status is single, and no additional discounts are factored in.

If we average the cost for all age groups, physical damage coverage costs $1,636 per year over and above liability only. At some point, about every driver wonders if paying for full coverage is a waste of money. There is no set guideline to eliminate comp and collision coverage, but there is a general guideline. If the annual cost of having full coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.

For example, let’s pretend your vehicle’s replacement value is $12,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would receive is $11,000 after you pay the deductible. If it’s costing you more than $1,100 a year for full coverage, then you might consider buying liability only.

Safe drivers pay less for car insurance

The common sense way to get low car insurance rates in Iowa for a Civic is to be an attentive driver and not have accidents or get tickets. The diagram below illustrates how speeding tickets and accidents increase yearly insurance costs for each different age category. The premium estimates are based on a single male driver, full coverage, $500 deductibles, and no discounts are factored in.

In the chart above, the average cost of a car insurance policy per year with no accidents or violations is $1,459. Factor in one speeding ticket and the average cost surges to $1,646, an increase of $187 each year. Next add two accidents along with the one speeding ticket and the yearly cost of car insurance for a Honda Civic increases to an average of $3,301. That’s an increase of $1,842, or $154 per month, just for not driving carefully!

How to get the cheapest insurance for a Honda Civic in Iowa

Here are a few money-saving ideas that can help you quote cheap coverage.

• Drive vehicles with five-star safety ratings
• Be a safe driver
• Higher comprehensive and collision coverage deductibles will save money
• Assess whether full coverage is needed
• Staying accident-free helps keep rates low
• Improve your credit rating
• Shop your coverage around for the best deal

That last piece of advice is highly crucial, as was stressed in this write-up. Coverage prices go up and down frequently, so don’t be hesitant to buy from a different company if a cheaper rate is available.

Having a favorite company is fine, but it’s not recommended if that loyalty ends up costing big bucks every year. It takes less than five minutes to shop around and find cheaper car insurance for a Honda Civic.