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

Our editors always tell us that when writing about auto insurance, the word cheap should never be used anywhere in the article. Despite the oxymoron, cheap auto insurance for a Honda Civic may be a thing of the past. Don’t let that bother you, though, because we will show you how you can quote and buy insurance that won’t break the bank.

Buying the cheapest car insurance for a Honda Civic in Missouri is contingent on a complex formula that considers things like the mileage of your daily commute, whether you are claim-free, and if your driving record shows any at-fault accidents. Missouri drivers will pay on average $1,100 each year to buy Honda Civic insurance, but that rate is using rate data for a 50-year-old single male driver that wants full comprehensive and collision coverage and $100 policy deductibles.

There is a good chance you are not 50 and maybe not even a male, maybe you are married instead of single, or you need different deductibles. Each driver has unique rating factors, so the best way to find cheap car insurance rates for your Honda is to do a thorough rate comparison.

Find Cheaper Honda Civic Insurance

The specific trim level will most likely have an effect on the yearly cost, so the price you pay to insure a Civic DX 4-Dr Sedan will be $378 less than the cost to insure the more expensive Civic SI 2-Dr Coupe trim level, as shown in the prices below.

Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Missouri minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Price information does not factor in specific Missouri garaging location which can lower or raise coverage rates considerably.

Ending up with the right insurer can be challenging considering how many companies there are in Missouri. The ranking information shown below can help you select which companies you want to consider shopping your coverage with. The rankings below only include companies that write coverage in many states, so companies that may only write in Missouri are not taken into consideration for this list.

Top 10 Large Car Insurance Companies in Missouri Ranked by Customer Satisfaction

1. USAA – 92%
2. American Family – 88%
3. State Farm – 88%
4. Nationwide – 88%
5. 21st Century – 88%
6. The Hartford – 87%
7. Progressive – 87%
8. AAA Insurance – 87%
9. Farmers Insurance – 87%
10. Liberty Mutual – 87%

Top 10 Large Car Insurance Companies Overall in Missouri

1. USAA
2. 21st Century
3. GEICO
4. Nationwide
5. AAA Insurance
6. Liberty Mutual
7. Safeco Insurance
8. State Farm
9. Travelers
10. American Family

Top Companies for Honda Civic Insurance in Missouri

Discounts on the cheapest insurance for a Honda Civic in Missouri

Insurers that provide coverage for a Honda Civic may also give you policy discounts that could potentially reduce rates by 35% or more if you meet the requirements. A few popular companies and their offered discounts include:

The information below illustrates the difference between car insurance rates with and without discounts applied to the premium. The price estimates are based on a male driver, no claims, a clean driving record, Missouri state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.

The first bar for each age group shows the price with no discounts. The second shows the rates with defensive driving course, claim-free, vehicle safety, anti-theft, accident-free, and marriage discounts applied. When drivers take advantage of discounts, the the average amount saved on car insurance for a Honda Civic is % or $.

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The illustration below illustrates how choosing a deductible can impact insurance prices when quoting cheap insurance for a Honda Civic. The costs are based on a single male driver, full coverage, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 3957,3595,3205,2843],[‘Age 30’, 1989,1827,1643,1465],[‘Age 40’, 1997,1821,1625,1441],[‘Age 50’, 1813,1657,1483,1317],[‘Age 60’, 1757,1607,1439,1281],[‘Age 70’, 2149,1973,1783,1605]]);var options = {title: ‘Impact of Deductible Levels on Honda Civic Insurance Rates in Missouri’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Honda Civic’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

In the chart above, a 30-year-old driver could lower their policy premium by $372 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $556 by changing to a $1,000 deductible. Young drivers, like the Age 20 chart data, could possibly save as much as $1,114 every year by selecting a higher deductible.

When increasing deductibles, it will be necessary to have emergency funds available to enable you to pay the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.

Find the cheapest insurance for a Honda Civic in Missouri

The list below summarizes some of the recommended penny-pinching solutions that can help drivers quote the cheapest auto insurance.

• Just one traffic violation will increase your rates
• Do not file small claims
• Safe vehicles cost less to insure
• Save money by insuring your home and auto with the same company
• Accident-free drivers may qualify for discounts
• Compare rate quotes frequently

The final tip is very significant, as was stressed in this article. Auto insurance rates in Missouri can be adjusted at any time, so don’t be afraid to change to a new company if a more affordable price is available. Brand loyalty is great, but it isn’t a good idea if it’s costing you money that could be going to better use. It only take a few minutes to compare prices to find cheaper insurance for a Honda Civic.