Buying affordable auto insurance for a Honda Civic is pretty easy to do, but it depends on a very complex rating algorithm that uses multiple factors such as age of the vehicle, whether or not you garage your vehicle, and your choice of deductibles. Missouri drivers will pay on average $739 annually to insure their Civic, but that cost is an estimate using a 30-year-old married female driver with full coverage and $1,000 deductibles.
There’s a high likelihood you aren’t exactly 30 years old or even a female, maybe you are single instead of married, and maybe your Civic is older and does not require full coverage. This illustrates why the best method for finding the most affordable coverage for your Honda is to compare rates from as many companies as possible. It takes less than five minutes and you can get rates from some of the best insurers around.
Your Honda’s trim level tends to have a direct impact on the insurance rate, so the price you will be charged to insure a Civic DX 4-Dr Sedan trim level will be $238 less than the price to insure the more costly Civic SI 2-Dr Coupe model, as shown below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $108 | $214 | $272 | $16 | $82 | $692 | $58 |
| Civic VP 4-Dr Sedan | $108 | $252 | $272 | $16 | $82 | $730 | $61 |
| Civic LX 4-Dr Sedan | $108 | $252 | $272 | $16 | $82 | $730 | $61 |
| Civic DX 2-Dr Coupe | $108 | $252 | $340 | $20 | $102 | $822 | $69 |
| Civic EX 4-Dr Sedan | $108 | $252 | $272 | $16 | $82 | $730 | $61 |
| Civic LX-S 4-Dr Sedan | $108 | $252 | $272 | $16 | $82 | $730 | $61 |
| Civic LX 2-Dr Coupe | $108 | $290 | $340 | $20 | $102 | $860 | $72 |
| Civic EX-L 4-Dr Sedan | $124 | $290 | $272 | $16 | $82 | $784 | $65 |
| Civic SI 4-Dr Sedan | $124 | $290 | $272 | $16 | $82 | $784 | $65 |
| Civic EX 2-Dr Coupe | $124 | $290 | $340 | $20 | $102 | $876 | $73 |
| Civic GX 4-Dr Sedan | $124 | $290 | $272 | $16 | $82 | $784 | $65 |
| Civic EX-L 2-Dr Coupe | $124 | $290 | $340 | $20 | $102 | $876 | $73 |
| Civic Hybrid 4-Dr Sedan | $140 | $252 | $272 | $16 | $82 | $762 | $64 |
| Civic SI 2-Dr Coupe | $140 | $328 | $340 | $20 | $102 | $930 | $78 |
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Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Missouri minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Price information does not factor in specific Kansas City garaging location which can lower or raise rates significantly.
Picking the highest-rated insurance company can be difficult considering how many different companies insure vehicles in Kansas City. The information listed below could help you decide which insurers you want to consider purchasing from.
The ratings below are for the companies with a significant amount of written premium nationwide, so companies that may only write in Missouri will not be included in the list. If you would like to check rates from these companies and more, simply click here.
| 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 |
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Data Source: Insure.com Best Car Insurance Companies
How to get discounts on Kansas City insurance
Car insurance companies that offer coverage for a Honda Civic may also provide premium discounts that could reduce prices by 30% or more if you meet certain criteria. Popular car insurance companies and some of the discounts are:
- 21st Century includes discounts for defensive driver, anti-lock brakes, early bird, driver training, teen driver, and student driver.
- State Farm may have discounts that include accident-free, defensive driving training, Drive Safe & Save, driver’s education, good student, multiple autos, and student away at school.
- AAA offers premium reductions for multi-car, good student, education and occupation, good driver, and anti-theft.
- Liberty Mutual has savings for newly married, new vehicle discount, good student, multi-policy, safety features, and new move discount.
- Progressive may include discounts for multi-policy, online signing, online quote discount, multi-vehicle, continuous coverage, homeowner, and good student.
The chart below illustrates the difference between insurance rates with and without some available policy discounts. The price estimates are based on a male driver, no claims or driving violations, Missouri state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with claim-free, homeowner, anti-theft, multiple policy, accident-free, and marriage discounts applied. In this example, the average savings per year on car insurance for a Honda Civic is 28% or $432.
You may be paying too much for Civic insurance
Kansas City, MO car insurance rates are determined by lots of factors that control the cost of coverage. Getting older, having a teenage driver, or getting caught speeding can trigger price changes resulting in some rates now being more affordable than the competition.
Also, auto insurance companies file new Missouri car insurance rates multiple times each year to adjust for unexpected claims or profits. Higher than normal claims may cause increased policy costs, while lower claims can produce lower-cost Civic insurance rates.
To illustrate this example, the data below compares the cheapest car insurance in Kansas City, MO for a 30-year-old male driver with a good driving record, no prior claims, and a good credit rating. If we look at prices based on his current risk factors, USAA may offer the cheapest car insurance rates in Kansas City at $833 per year. This is $429 less than the average premium paid by Missouri drivers of $1,262. The Hartford, Allied, Electric, and Auto-Owners are the remainder of the cheapest Kansas City, MO auto insurance companies.
Let’s now give the driver from above an accident surcharge, a little lower credit rating, and a couple of points charged on his driving record. Since each auto insurer has a different process to determine rates, comparing insurance quotes could now result in a slightly different list of affordable Kansas City car insurance companies as shown below.
MO Farm Bureau now has the lowest price in Kansas City, MO with The Hartford, Farmers, Nationwide, and Cameron Mutual also having competitive pricing. This illustrates why it is important to spend some time comparing rates when trying to get the cheapest auto insurance rates for a Honda Civic. Rates are determined by many different factors and can change substantially, so the cheapest option the last time you checked may now be quite expensive.