Honda Civic Insurance [Rates + Cheap Coverage Guide]

Auto insurance rates for a Honda Civic average $1,536 a year, or around $128 a month. Good drivers can save as much as $2,369 a year over higher risk drivers.

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Sara Routhier, Director of Outreach and Managing Editor of Features, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overw...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Oct 27, 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.

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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
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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
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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
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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
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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
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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.

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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
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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.

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