How Much is Insurance for a Honda Civic in Arkansas?

The chances of finding affordable coverage for a Honda Civic in Arkansas depends upon a lot of things like miles driven annually, the condition of your credit, and any prior driving offenses you have. Drivers pay on average $980 every 12 months for Civic insurance, but that amount is a ballpark figure using cost data for a 50-year-old single female that purchased full comprehensive and collision coverage and $1,000 deductibles.

That rate won’t apply to everyone, because more than likely you are not 50 years old and maybe not even female, possibly married instead of single, and maybe your Civic just needs liability-only coverage. Car insurance coverage is unique to each driver, so this is why the best way to find cheap car insurance rates for your Honda is to start the habit of comparing rates at least once a year.

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Vehicle trim level will be a contributing factor to the cost of insurance, so the rate you will pay to insure a Civic DX 4-Dr Sedan trim level will be $314 lower than the cost to insure the high end Civic SI 2-Dr Coupe trim level, as demonstrated by the prices below.

Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arkansas minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Table data does not factor in vehicle garaging location which can affect auto insurance rates considerably.

Finding out which insurers offer the lowest-priced car insurance rates for a Honda Civic calls for a little more work than just comparing rates from one or two companies.

Every car insurance company has a proprietary formula for setting prices, so let’s rank the car insurance companies that tend to be cheaper in Arkansas.

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USAA has some of the lowest car insurance rates in Arkansas at around $1,021 each year. Auto Club, Travelers, Southern Farm Bureau, and State Farm also qualify as some of the most economical Arkansas auto insurance companies.

As shown above, if you are a customer of Southern Farm Bureau and switched to Auto Club, you might achieve an annual savings of about $142. Insureds with State Farm may save as much as $189 a year, and Columbia Insurance customers might reduce rates by $224 a year.

It’s important to note that these premium estimates are averaged across all insureds and vehicles and and are not calculated with a specific rate value for a Honda Civic. So the auto insurance company that can offer you the lowest price may not even be featured in the above list. That emphasizes why you need to quote rates from as many companies as possible using your own individual information.

Get discount Arkansas insurance rates

Car insurance companies that offer cheap insurance for a Honda Civic in Arkansas may also offer special discounts that could potentially reduce rates by as much as 40% or more if you meet the requirements. A few popular companies and their offered discounts are detailed below.

• GEICO has discounts for military active duty, multi-vehicle, driver training, multi-policy, and seat belt use.
• Mercury Insurance may have discounts that include anti-theft, annual mileage, low natural disaster claims, good student, type of vehicle, and multi-car.
• Farmers Insurance includes discounts for electronic funds transfer, bundle discounts, good student, switch companies, and teen driver.
• Auto-Owners Insurance discounts include multi-policy, group or association, safe vehicle, paid in full, anti-theft, and safe driver.
• Liberty Mutual may offer discounts for hybrid vehicle, new graduate, multi-policy, new vehicle discount, exclusive group savings, and multi-car.
• SAFECO offers discounts including teen safety rewards, safe driver, drive less, homeowner, teen safe driver, and anti-lock brakes.
• Progressive may include discounts for online quote discount, multi-vehicle, good student, homeowner, online signing, and continuous coverage.
• USAA offers discounts for driver training, multi-policy, defensive driver, family discount, vehicle storage, multi-vehicle, and annual mileage.

The diagram below shows the comparison of insurance premiums with and without discounts applied to the policy rates. The data is based on a male driver, no violations or claims, Arkansas state minimum liability limits, full physical damage coverage, and $250 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second shows the rates with multiple policy, safe-driver, vehicle safety, claim-free, anti-theft, and defensive driving course discounts applied. When these discounts are applied to the policy premium, the average amount saved each year on car insurance for a Honda Civic is 28% or $669.

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The diagram below highlights how deductible selection can impact insurance premiums when quoting cheap insurance for a Honda Civic. The premiums assume a single male driver, comprehensive and collision coverage, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 4971,4515,4031,3581],[‘Age 30’, 2467,2267,2043,1827],[‘Age 40’, 2485,2267,2025,1799],[‘Age 50’, 2259,2063,1849,1645],[‘Age 60’, 2191,2003,1797,1603],[‘Age 70’, 2693,2473,2239,2017]]);var options = {title: ‘Impact of Higher Deductibles on Honda Civic Insurance Rates in Arkansas’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Honda Civic’,minValue: 0,format: ‘$###,###’},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);}

As shown above, a 50-year-old driver could lower rates by $410 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $614 by selecting a $1,000 deductible. Youthful drivers, like the age 20 example, can cut $1,390 every year just by choosing higher deductibles when buying full coverage. When increasing deductibles, it is a good idea to have plenty of money set aside to be able to pay the extra out-of-pocket expense associated with higher deductibles.

How to find cheap insurance for a Honda Civic in Arkansas

Lowering your rates is not difficult, and here are many thrifty ideas that can help Arkansas drivers quote lower-cost auto insurance.

• Raise deductibles
• Frequent claims may make car insurance unaffordable
• Avoid having at-fault accidents
• Save money by observing traffic laws and speed limits
• On older vehicles, drop full coverage
• Shop your coverage around for the best deal

That last piece of advice is certainly important, as was discussed in this write-up. Auto insurance rates change frequently, so don’t be unwilling to switch to a new company if you can find a cheaper rate.

We understand brand loyalty, but is isn’t recommended if that faithfulness ends up costing you hundreds of dollars year after year. Spend a few minutes and shop around to find cheaper auto insurance for a Honda Civic.