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

When writing about car insurance, the word “cheap” really should not be used anywhere in the article. It’s a simple fact that cheap auto insurance for a Honda Civic is pretty hard to find. But don’t let that discourage you, because we will teach you how you can get insurance that you can fit into your budget.

Your chances of finding cheap car insurance for a Honda Civic in Wyoming hinges on an enormous amount of factors like the safety features built into your vehicle, if you have ever let your coverage lapse, and if you had any at-fault accidents in the last few years. Drivers on average pay around $1,150 per year for Civic insurance, but that figure is a projection based on cost data for a 40-year-old single male who purchased full coverage including both comprehensive and collision and $1,000 policy deductibles.

Chances are that rate is not what you would pay, because most likely you may not be 40 years old (or even male), you might be married instead of single, or maybe you prefer higher deductibles. What appears to be a small change in rating variables or coverage information can precipitate large changes in the cost of coverage for a Honda Civic.

Auto insurance is unique to every driver, so the only way to find affordable rates for your Honda is to get into the habit of comparing rates once a year. Quotes are always free and you will be able to compare rates from top-rated car insurance companies that sell coverage in Wyoming.

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The trim level of your vehicle will most likely have an effect on price, so the rate you will pay to insure a Civic DX 4-Dr Sedan will be $370 less than the price to insure the more well-appointed Civic SI 2-Dr Coupe version, as shown by the rates below.

Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Wyoming minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Table data does not factor in specific Wyoming garaging location which can change rates greatly.

Choosing a highly-rated insurer can be a challenge considering how many companies provide coverage in Wyoming. The company ratings shown below can help you pick which coverage providers to look at when trying find the best insurance for a Honda Civic.

These ratings are for the largest companies in the United States, so companies that may only write in Wyoming are not included in the list. If you wish to compare rates from the insurers below and more, simply click here.

Types of discounts on Wyoming auto insurance

Insurance companies that provide the cheapest insurance for a Honda Civic in Wyoming may have policy discounts that could potentially reduce rates by 25% or more if you meet specific eligibility requirements. Companies and the discounts they provide are included below.

The example below illustrates the comparison of insurance costs with and without discounts applied to the policy premium. The price estimates are based on a male driver, no tickets, no at-fault accidents, Wyoming state minimum liability limits, full physical damage coverage, and $1,000 deductibles.

The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with multiple policy, defensive driving course, passive restraint, multiple vehicle, claim-free, and accident-free discounts applied. When drivers take advantage of discounts, the average amount saved each year on auto insurance for a Honda Civic is % or $.

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The information below illustrates how your choice of deductibles can influence insurance rates when getting quotes for cheap insurance for a Honda Civic. The rates are based on a single male driver, full physical damage coverage, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 4893,4403,3883,3393],[‘Age 30’, 2437,2221,1973,1735],[‘Age 40’, 2467,2229,1967,1719],[‘Age 50’, 2235,2025,1789,1569],[‘Age 60’, 2161,1959,1733,1521],[‘Age 70’, 2623,2385,2131,1891]]);var options = {title: ‘Effect of Higher Deductibles on Honda Civic Insurance Rates in Wyoming’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Honda Civic’,minValue: 0,format: ‘$###,###’},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);}

A 50-year-old driver could pocket $446 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $666 by switching to a $1,000 deductible. Younger drivers, such as the 20-year-old example, can cut up to $1,500 or even more by using a higher deductible.

When choosing a higher deductible, it will be necessary to have enough savings to be able to cover the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.

Cheapest Honda Civic insurance quotes

Thanks to technology, there are a lot of ways to shop for and buy auto insurance in Wyoming, but the most preferred methods are using an exclusive insurance agent like State Farm or Allstate, a non-exclusive or independent agent, or from a direct company like Geico.

Each way is similar, but each is different in how they provide price quotes.

Independent agencies work for many companies and can do rate comparisons with each one. These types of agencies are appointed with more than one company and can provide multiple price quotes, which can help you get a better chance of saving money. If a cheaper rate is found, it’s simple to move the policy which prevents you from having to switch agents.

An agent who is captive is only able to quote rates with one company, a couple examples are an Allstate or State Farm agent. Exclusive agencies are unable to provide rate quotes from other companies, so keep that in mind.

The final way is buying direct, which means you forego an exlusive or independent agent and instead shop direct either online or via phone. Shopping direct can be a good choice for consumers who do not have a complex risk profile and have a good understanding of how their policy works.

So which method is best for finding the cheapest insurance for a Honda Civic in Wyoming? Most people would assume that buying from a direct company saves the most money since no commissions are paid to an agent, but unfortunately, that is not always true. A valid argument could also be made that using an independent agent saves the most money because you have more choices, but that is not accurate either. In a lot of cases, exclusive agencies have price quotes that are the lowest in Wyoming.

Due to the large number of rating factors, really the best method to not overpay for auto insurance is to get rate quotes and compare. To cover all the bases, get price quotes all three ways in order to find the best price. To see some of the cheapest online companies available, click here to view.

Find the cheapest insurance for a Honda Civic in Wyoming

The list below details some of the recommended penny-pinching solutions that can help Wyoming drivers buy lower-cost coverage.

• Good credit can help you save money
• Drive safely
• Earn a discount by not filing claims
• Increase your policy deductibles
• Insure your home and auto with the same company
• Being accident-free can lower rates significantly
• Shop around once a year for cheaper rates

That last piece of advice is remarkably significant, as we emphasized in this article. Auto insurance rates can be changed at any time, so don’t be afraid to change to a new company if you can save money. Having brand loyalty is commendable, but it’s not a great idea if that loyalty ends up costing lots of money. In just a couple of minutes you could compare rates and find cheaper auto insurance for a Honda Civic.

Company comparison: State Farm vs Allstate vs Geico vs Progressive

If you are looking for the best car insurance, four companies to take a look at are State Farm, Allstate, Geico, and Progressive. The following table compares price and claims rank as well as some different options that may be available in Wyoming.