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

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

Our editors have a joke that when writing about car insurance, the word “cheap” should not be used anywhere in the article. It’s just a fact that cheap auto insurance for a Honda Civic can be difficult to find. Don’t let that discourage you, because we are going to show you how you can quote and buy car insurance that won’t break the bank.

Finding cheaper coverage for a Honda Civic in Kansas is contingent on a complicated equation that takes into consideration things like your financial responsibility, if you currently have coverage, and your choice of physical damage deductibles. Kansas drivers will pay around $1,000 annually to insure their Civic, but that is an estimate using cost data for a 50-year-old married male with both comprehensive and collision coverage and $100 policy deductibles.

Most likely you are not 50 and possibly not even male, maybe you are single instead of married, or maybe you don’t qualify for the same discounts. Having even a minor difference in the factors used in pricing a policy can result in a massive change in the coverage rate.

Auto insurance is unique to every driver, so the only way to find the most affordable coverage for your Honda is to get into the habit of shopping around regularly. Rate quotes are easy and you will receive prices from some of the best insurers available.

Cheapest Honda Civic Insurance Rates

Vehicle trim level will influence the insurance rate, so the price you will be charged to insure a Civic DX 4-Dr Sedan model will be $346 less than the price to insure the more expensive Civic SI 2-Dr Coupe model, as shown by the rates below.

Honda Civic Insurance Rates in Kansas
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $168 $378 $274 $16 $82 $918 $77
Civic VP 4-Dr Sedan $168 $446 $274 $16 $82 $986 $82
Civic LX 4-Dr Sedan $168 $446 $274 $16 $82 $986 $82
Civic DX 2-Dr Coupe $168 $446 $344 $20 $102 $1,080 $90
Civic EX 4-Dr Sedan $168 $446 $274 $16 $82 $986 $82
Civic LX-S 4-Dr Sedan $168 $446 $274 $16 $82 $986 $82
Civic LX 2-Dr Coupe $168 $514 $344 $20 $102 $1,148 $96
Civic EX-L 4-Dr Sedan $192 $514 $274 $16 $82 $1,078 $90
Civic SI 4-Dr Sedan $192 $514 $274 $16 $82 $1,078 $90
Civic EX 2-Dr Coupe $192 $514 $344 $20 $102 $1,172 $98
Civic GX 4-Dr Sedan $192 $514 $274 $16 $82 $1,078 $90
Civic EX-L 2-Dr Coupe $192 $514 $344 $20 $102 $1,172 $98
Civic Hybrid 4-Dr Sedan $218 $446 $274 $16 $82 $1,036 $86
Civic SI 2-Dr Coupe $218 $580 $344 $20 $102 $1,264 $105
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Kansas minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Rates do not factor in zip code location which can modify coverage prices considerably.

Selecting a good quality insurance company can be rather challenging considering how many companies provide coverage in Kansas. The information displayed below could help you decide which auto insurers you want to consider when comparing rate quotes.

These rankings are only made up of large, nationwide insurance companies, so companies that may only write in Kansas are not included in the list. To compare prices from these and other competitive companies, click here.

Top Car Insurance Companies in Kansas
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
The Hartford 87 89 84 87% A+ 88
Esurance 84 88 85 83% A+ 86
Farmers Insurance 79 88 84 87% A 84.7
The General 88 80 85 80% A- 84.5
Compare Rates Now Go

Data Source: Insure.com Best Car Insurance Companies

Discounts on the cheapest insurance for a Honda Civic in Kansas

<img class="floatright" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/cheap-car-insurance-honda-civic-ks.jpg" alt="Save on car insurance for a Civic in Kansas” />Insurance companies that sell policies for a Honda Civic may provide premium discounts that could potentially reduce rates by 25% or more if you meet specific eligibility requirements. A few popular companies and a summarized list of policyholder discounts are outlined below.

Auto Insurance Discounts Available
Discount Progressive Geico Allstate State Farm
Multi-policy Yes Yes Yes Yes
Multi-vehicle Yes Yes No Yes
Anti-theft Yes Yes Yes Yes
Safe vehicle No Yes Yes Yes
Air bags No Yes Yes Yes
New car No No Yes Yes
Eco-friendly vehicle No No Yes No
Safe driver Yes Yes Yes Yes
Defensive driver Yes Yes Yes Yes
Active duty military Yes Yes No Yes
Employment No Yes No No
Pay in full Yes Yes Yes No
Email statements Yes Yes Yes No
Loyalty Yes No No Yes
Sign early No No Yes No
Good grades Yes Yes Yes Yes
Distant student Yes No Yes Yes
Homeowner Yes No No No
Seat belt use No Yes No No
Quote online Yes No No No
Teen driver Yes No No No
Federal employee No Yes No No
Compare Rates Go

The information below shows the difference between insurance premiums with and without some available policy discounts. The price estimates are based on a female driver, no claims or driving violations, Kansas state minimum liability limits, full physical damage coverage, and $500 deductibles.

The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with anti-theft, accident-free, defensive driving course, multiple vehicle, passive restraint, and safe-driver discounts applied. When taking advantage of discounts, the average savings per year on car insurance for a Honda Civic is % or $.

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How to find low-cost car insurance for a Honda Civic

Lowering your rates is not difficult, and here are some penny-pinching ideas that can help drivers locate lower-cost auto insurance.

  • Drivers with good credit often pay less
  • Increase your policy deductibles
  • Save money by bundling your home and auto policies
  • Avoid at-fault accidents and claims
  • Tickets and violations raise rates
  • Discounts for being claim-free can be substantial
  • Compare rates and switch if you can find a better deal

The last tip in the list is extremely vital, as we emphasized in the article above. Car insurance prices in Kansas adjust frequently, so don’t be unwilling to switch to a new company if a lower price can be found.

Being loyal to a particular company is commendable, but it isn’t a good idea if that loyalty results in overpaying money that could be spent on other things. Take a few minutes and compare rates to find cheaper car insurance for a Honda Civic.