Compare Honda Civic Insurance Quotes [Everything You Need to Know]
If you want to buy cheap Honda Civic insurance coverage then you should know that a policy will cost $128 per month ($1,536 per year) on average. Teens pay the highest rates at up to $5,614 a year, while good drivers may only pay $903.
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Written by
Mathew B. Sims
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Reviewed by
Daniel Walker
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UPDATED: Jun 19, 2020
It’s all about you. We want to help you make the right coverage choices.
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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
Honda Civic insurance rates are $128 per month for full coverage and $51 per month for liability-only coverage. Parents could pay up to $468 per month for Honda Civic insurance rates for teen drivers. Read through this guide to learn how you can save $633 per year on Honda Civic insurance rates.
You can start comparing quotes for Honda Civic auto insurance rates from some of the best auto insurance companies by using our free online tool now.
Honda Civic Insurance Cost
The average Honda Civic auto insurance costs 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 Cadillac CTS, Subaru Legacy, and MINI Hardtop 4 Door.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Honda Civic | $280 | $656 | $420 | $1,536 |
| Cadillac CTS | $320 | $626 | $398 | $1,502 |
| Subaru Legacy | $370 | $506 | $338 | $1,350 |
| MINI Hardtop 4 Door | $294 | $566 | $398 | $1,416 |
| Ford Taurus | $344 | $596 | $398 | $1,496 |
| Lincoln MKZ | $320 | $686 | $450 | $1,636 |
| Subaru WRX | $320 | $566 | $338 | $1,360 |
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?
The Honda Civic trim and model you choose can impact the total price you will pay for Honda Civic insurance coverage.
Age of the Vehicle
Older Honda Civic models generally cost less to insure. For example, auto insurance rates for a 2020 Honda Civic are $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 effect on Honda Civic auto insurance rates. For example, 30-year-old drivers pay $68 more for 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 $845 a year more than drivers in Phoenix.
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 auto insurance rates with violations on their driving record.
Honda Civic Safety Ratings
Your Honda Civic auto insurance rates are tied to the Honda Civic’s safety ratings. 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
Not only do good Honda Civic crash test ratings mean you are better protected in a crash, but good Honda Civic crash ratings also mean cheaper insurance rates.
| 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. According to AutoBlog, 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
Review the Honda Civic auto insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury. The lower percentage means lower Honda Civic auto insurance costs; higher percentages mean higher Honda Civic auto insurance costs.
| 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, you will pay more if you purchase Honda Civic auto insurance at the dealership, so be sure to shop around and compare Honda Civic auto insurance quotes from the best companies using our FREE tool below.
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5 Ways to Save on Honda Civic Insurance
You have more options at your disposal to save money on your Honda Civic auto insurance costs. For example, try these five tips:
- Pay Your Bills On Time — Especially Honda Civic Payments and Insurance
- Apply for Your Full, Unrestricted License as Soon as You’re Eligible
- Take Public Transit Instead of Driving Your Honda Civic
- Compare Honda Civic Insurance Rates Online
- Choose a Honda Civic with Cheaper Repair Costs
Top Honda Civic Insurance Companies
Who is the best auto insurance company for Honda Civic insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Honda Civic auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Honda Civic offers.
| 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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