UPDATED: Jul 31, 2020
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Key takeaways:
- Full coverage costs around $1,536 a year or $128 each month
- A liability-only policy costs around $616 a year or $51 each month
- Highest rates are for teenage drivers at around $5,614 a year or $468 each month
- Good drivers can save as much as $633 a year by earning policy discounts
- Honda Civic insurance costs around $17 more per year than the average vehicle
It is possible to find cheap Honda Civic insurance rates. Good drivers can save as much as $633 a year by earning policy discounts. Read on for more information about savings on Honda Civic insurance rates.
You can start comparing quotes for Honda Civic car insurance rates from some of the best car insurance companies by using our free online tool now.
Honda Civic Insurance Cost
The average Honda Civic auto insurance rates are $1,536 a year or $128 a month.
Are Honda Civics Expensive to Insure?
The chart below details how Honda Civic insurance rates compare to other sedans like the Subaru Legacy, Chevrolet Sonic, and Ford Focus.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Honda Civic | $280 | $656 | $420 | $1,536 |
| Subaru Legacy | $370 | $506 | $338 | $1,350 |
| Chevrolet Sonic | $270 | $536 | $398 | $1,362 |
| Ford Focus | $244 | $536 | $398 | $1,336 |
| Cadillac ATS | $294 | $566 | $398 | $1,416 |
| Chevrolet Blazer | $376 | $688 | $316 | $1,516 |
| Chevrolet Malibu | $322 | $532 | $372 | $1,384 |
However, there are a few things you can do to find the cheapest Honda insurance rates online.
What Impacts the Cost of Honda Civic Insurance?
Even though the average annual rate for the Honda Civic is $1,536, your policy can be higher or lower depending upon your profile. Those factors include your age, home address, driving history, and the model year of your Honda Civic.
Age of the Vehicle
The average Honda Civic auto insurance rates are higher for newer models. For example, auto insurance rates for a 2020 Honda Civic cost $1,536, while 2010 Honda Civic rates are $1,266, a difference of $270.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2020 Honda Civic | $280 | $656 | $420 | $1,536 |
| 2019 Honda Civic | $268 | $630 | $440 | $1,518 |
| 2018 Honda Civic | $256 | $626 | $450 | $1,512 |
| 2017 Honda Civic | $248 | $610 | $470 | $1,508 |
| 2016 Honda Civic | $240 | $586 | $486 | $1,492 |
| 2015 Honda Civic | $226 | $564 | $500 | $1,470 |
| 2014 Honda Civic | $218 | $524 | $510 | $1,432 |
| 2013 Honda Civic | $208 | $494 | $514 | $1,396 |
| 2012 Honda Civic | $200 | $442 | $520 | $1,342 |
| 2011 Honda Civic | $188 | $408 | $520 | $1,296 |
| 2010 Honda Civic | $180 | $382 | $524 | $1,266 |
Driver Age
Driver age can have a significant impact on the cost of Honda Civic auto insurance. For example, 20-year-old drivers pay as much as $1,946 more each year for their Honda Civic auto insurance than 40-year-old drivers.
Driver Location
Where you live can have a large impact on Honda Civic insurance rates. For example, drivers in Los Angeles may pay $1,321 a year more than drivers in Indianapolis.
Your Driving Record
Your driving record can have an impact on the cost of Honda Civic auto insurance. Teens and drivers in their 20’s see the highest jump in their Honda Civic car insurance with violations on their driving record.
Honda Civic Safety Ratings
Your Honda Civic car insurance rates are tied to the safety ratings of the Honda Civic. See the breakdown below:
| Test Type | Rating |
| Small overlap front: driver-side | Good |
|---|---|
| Small overlap front: passenger-side | Good |
| Moderate overlap front | Good |
| Side | Good |
| Roof strength | Good |
| Head restraints and seats | Good |
| Source: Insurance Institute for Highway Safety | |
Honda Civic Crash Test Ratings
If the Honda Civic crash test ratings are good, you could have lower Honda Civic car insurance rates. See Honda Civic crash test results below:
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| 2018 Honda Civic Type R 5 HB FWD | N/R | N/R | 5 stars | 5 stars |
| 2018 Honda Civic Si 4 DR FWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2018 Honda Civic Si 2 DR FWD | 5 stars | 4 stars | 5 stars | 5 stars |
| 2018 Honda Civic 5 HB FWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2018 Honda Civic 4 DR FWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2018 Honda Civic 2 DR FWD | 5 stars | 4 stars | 5 stars | 5 stars |
| 2017 Honda Civic Type R 5 HB FWD | N/R | N/R | 5 stars | 5 stars |
| 2017 Honda Civic Si 4 DR FWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2017 Honda Civic Si 2 DR FWD | 5 stars | 4 stars | 5 stars | 5 stars |
| 2017 Honda Civic 5 HB FWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2017 Honda Civic 4 DR FWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2017 Honda Civic 2 DR FWD | 5 stars | 4 stars | 5 stars | 5 stars |
| 2016 Honda Civic 4 DR FWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2016 Honda Civic 2 DR FWD | 5 stars | 4 stars | 5 stars | 5 stars |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
Honda Civic Safety Features
The Honda Civic safety features can help lower insurance costs. The 2020 Honda Civic has the following safety features:
- Driver Air Bag
- Passenger Air Bag
- Front Head Air Bag
- Rear Head Air Bag
- Front Side Air Bag
- 4-Wheel ABS
- 4-Wheel Disc Brakes
- Brake Assist
- Electronic Stability Control
- Daytime Running Lights
- Child Safety Locks
- Traction Control
- Lane Departure Warning
- Lane Keeping Assist
Honda Civic Insurance Loss Probability
Another contributing factor that plays a direct role in Honda Civic insurance rates is the loss probability for each type of coverage.
| Insurance Coverage Category | Loss Rate |
| Collision | -8% |
|---|---|
| Property Damage | 5% |
| Comprehensive | -32% |
| Personal Injury | 27% |
| Medical Payment | 35% |
| Bodily Injury | 21% |
| Source: Insurance Institute for Highway Safety | |
Honda Civic Finance and Insurance Cost
If you are financing a Honda Civic, most lenders will require your carry higher Honda Civic coverage options including comprehensive coverage, so be sure to shop around and compare Honda Civic car insurance rates from the best companies using our FREE tool below.
Ways to Save on Honda Civic Insurance
There are several ways you can save even more on your Honda Civic car insurance rates. Take a look at the following five tips:
- Ask About Discounts for People with Disabilities
- Ask for a New Honda Civic Auto Insurance Rate Based on Your Improved Credit Score
- Park Your Honda Civic Somewhere Safe – like a Garage or Private Driveway
- Ask About a Student Away from Home Discount
- Get Honda Civic Auto Insurance Through Costco
Top Honda Civic Insurance Companies
The best auto insurance companies for Honda Civic car insurance rates will offer competitive rates, discounts, and account for the Honda Civic’s safety features. The following list of car insurance companies outlines which companies hold the highest market share.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | GEICO | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
Compare Free Honda Civic Insurance Quotes Online
You can start comparing quotes for Honda Civic insurance from some of the top car insurance companies by using our free online tool today.