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How Much is Insurance for a Honda Civic in Wyoming?

Honda Civic insurance

Because the topic is auto insurance, the words “affordable” or “cheap” shouldn’t be used as a descriptor for auto insurance rates. Excuse the oxymoron, but cheap auto insurance for a Honda Civic just does not exist. Don’t get your dauber down, because we will teach you how you can still get coverage that works with your budget.

The odds of finding affordable auto insurance for a Honda Civic in Wyoming hinges on a complex formula that factors things like age of the vehicle, if you have ever had a gap in coverage, and whether or not you are a good driver. Drivers in Wyoming on average pay approximately $1,440 every 12 months for Civic insurance, but that amount is that uses rate data for a 30-year-old single female driver who purchased comprehensive and collision coverage and $500 policy deductibles.

But there is a good chance that you are not 30 and maybe not even a female, married instead of single, or you want lower deductibles. Auto insurance prices are based on the driver profile your best chance at finding cheap insurance prices for your Honda is to do a thorough rate comparison. In just a couple of minutes you will receive price comparisons from some of the best insurers that sell coverage in Wyoming.

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The specific trim level tends to have a direct effect on price, so the price to insure a Civic DX 4-Dr Sedan trim level will be $478 lower than the insurance cost for the more expensive Civic SI 2-Dr Coupe model, as shown in the prices below.

Honda Civic Insurance Rates in Wyoming
ModelCompCollisionLiabilityMedicalUM/UIMAnnual PremiumMonthly Premium
Civic DX 4-Dr Sedan$218$462$484$28$144$1,336$111
Civic VP 4-Dr Sedan$218$546$484$28$144$1,420$118
Civic LX 4-Dr Sedan$218$546$484$28$144$1,420$118
Civic DX 2-Dr Coupe$218$546$604$36$182$1,586$132
Civic EX 4-Dr Sedan$218$546$484$28$144$1,420$118
Civic LX-S 4-Dr Sedan$218$546$484$28$144$1,420$118
Civic LX 2-Dr Coupe$218$628$604$36$182$1,668$139
Civic EX-L 4-Dr Sedan$250$628$484$28$144$1,534$128
Civic SI 4-Dr Sedan$250$628$484$28$144$1,534$128
Civic EX 2-Dr Coupe$250$628$604$36$182$1,700$142
Civic GX 4-Dr Sedan$250$628$484$28$144$1,534$128
Civic EX-L 2-Dr Coupe$250$628$604$36$182$1,700$142
Civic Hybrid 4-Dr Sedan$282$546$484$28$144$1,484$124
Civic SI 2-Dr Coupe$282$710$604$36$182$1,814$151
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Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Wyoming minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Price estimates do not factor in the specific area where the vehicle is garaged which can increase or decrease coverage rates greatly.

Buying coverage from the best car insurance company can be difficult considering how many different companies there are to choose from in Wyoming. The company rank data listed below can help you analyze which providers to look at when trying to find the cheapest insurance for a Honda Civic. These rankings only include companies that write coverage in many states, so smaller regional companies are not taken into consideration for the list.

Top 10 Major Auto Insurance Providers Overall in Wyoming

  1. USAA
  2. American Family
  3. State Farm
  4. The Hartford
  5. AAA Insurance
  6. GEICO
  7. The General
  8. Progressive
  9. Allstate
  10. Nationwide

Top Companies for Honda Civic Insurance in Wyoming

The example below shows how different deductible levels can change insurance premiums when researching cheap insurance for a Honda Civic. The rate quotes are based on a single male driver, full physical damage coverage, and no discounts are applied.

The chart above illustrates that a 50-year-old driver could save $504 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $754 by changing to a $1,000 deductible. Even younger insureds, such as the 20-year-old chart data, could reduce their rates $1,694 annually just by choosing larger deductibles. When choosing a higher deductible, it is a good idea to have spare funds to be able to cover the extra out-of-pocket expense associated with higher deductibles.

Liability-only versus full coverage

Finding cheap insurance for a Honda Civic in Wyoming is important to most drivers, and one of the fastest ways to lower the cost of insurance is to not buy comprehensive and collision coverage. The illustration below shows the difference between insurance prices with and without full coverage. The information is based on no accidents, no driving violations, $500 deductibles, marital status is single, and no discounts are applied.

Averaged out for all age groups, physical damage coverage on your policy costs an additional $2,157 per year more than carrying just liability coverage. That is a big expense that brings up the question if paying for full coverage is worth it. There is no set guideline of when to exclude full coverage, but there is a guideline you can consider. If the annual cost of your full coverage insurance is more than about 10% of the settlement you would receive from your company, then it may be the right time to buy liability only.

For example, let’s assume your vehicle’s claim settlement value is $4,500 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, you would only receive $3,500 after the policy deductible has been paid. If you are paying over $350 a year for physical damage coverage, then you may want to consider only buying liability coverage.

There are some conditions where dropping physical damage coverage is not financially feasible. If you haven’t paid off your loan, you are required to maintain full coverage as part of the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not eliminate full coverage.

Who has the cheapest Honda Civic insurance quotes?

Thanks to technology, there are a lot of ways to get affordable auto insurance quotes in Wyoming, but the most popular ways are from an independent or non-exclusive agent, an exlusive agent like Allstate or State Farm, or direct either online or via phone. They all have the same basic principle, but auto insurance shoppers should know the differences in how they function.

Independent insurance agencies work for many companies and can get rate quotes from all of them. Agents of this type can sell policies from many different companies and can quote rates with many companies, which may give you the best shot at cutting your rates. If a cheaper price is found, your policy can be moved which prevents you from having to find an new insurance agent.

A captive or exclusive agent is only able to quote your policy with just one company, two popular examples being a State Farm or Allstate agent. Exclusive agencies are unable to quote prices from more than a single company, so they have no alternatives for high prices.

Auto insurance from a direct company means you bypass an exlusive or independent agent and buy direct online or over the phone from a company like Progressive or Esurance. Buying direct can be good for consumers who have lower risk management needs and have a decent understanding of what coverages they need.

So which of those three methods works best to buy cheap insurance for a Honda Civic in Wyoming? We would first guess that buying from a direct car insurance company saves the most money since that prevents the need to pay agent commissions, but that is not always the case. It could also be said an independent agent results in the cheapest rates because you have more choices, but that is not accurate either. And often times, the exclusive agents have price quotes that are well below what direct and independents offer.

Due to the large number of rating factors, the only real way to make sure you’re not overpaying for auto insurance is to get quotes and compare the rates. We highly recommend getting price quotes all three ways to have a good selection of rates to choose from. To see some of the cheapest online companies available, click here to view.

Tips for buying economical car insurance for a Honda Civic

The list below shows many money-saving ideas that can help Wyoming drivers find more affordable coverage.

  • Safer vehicles cost less to insure
  • Do not get into accidents
  • Buying your home and auto policies from the same company can earn a discount
  • Full coverage is expensive so only insure older vehicles for liability only
  • Good credit can help you save money
  • Compare rates regularly and switch companies to save money

The last item on the list is remarkably necessary, as was stressed in this write-up. Rates fluctuate considerably, so don’t be tentative to switch to a new company if you find a cheaper price. Sticking with a specific company is fine, but is isn’t recommended if that loyalty ends up costing thousands of dollars over the life of your policy. Take a couple minutes and compare prices to find cheaper insurance for a Honda Civic.

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