Honda Auto Insurance (2023)

Shopping for a new vehicle generally includes weighing the pros and cons of any vehicle you’re interested in purchasing. You should also consider how much it costs to insure it and the coverages you need, like whether you want a full coverage car insurance policy or if you can get away with the minimum required by your state. 

Consequently, you might be surprised to learn about the higher rates associated with Honda Civic car insurance.

Honda Civics are reliable, efficient, and economical. Maintenance is affordable, and the amount of mileage you can get out of a Civic is incredible. However, average insurance costs for a Honda Civic are on the higher side. Knowing what price to expect and how to save money can help keep your coverage within your budget.

How much is the average car insurance cost for a Honda Civic? 

While a Honda Civic is an affordable car to purchase, the cost of insuring one is expensive. Looking at a 30-year-old driver, the average monthly rate for car insurance is about $197 per month. For an 18-year-old driver, that amount is greater, at around $700 per month on average.

The most expensive Honda Civic to insure is the 2019 model. It has an average policy cost of $208.50 each month, a 6% difference from other Civic years. Always try to compare prices between car insurance companies.

To contrast the above averages, State Farm auto insurance has an average monthly rate of $136.83 for a Honda Civic. When comparing prices, ensure you provide the same information across the board to get the most accurate quotes.

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Why is Honda Civic insurance so high? 

Why are Honda Civics expensive to insure? Various factors affect car insurance rates no matter what vehicle you drive, like your driving record, vehicle type, and how often you drive. All of these dictate what car insurance companies charge you.

Insurance companies also consider factors you can’t alter. For example, you can’t control whether your Honda Civic gets stolen, and the high theft rate associated with a Honda Civic is why the vehicle carries higher average insurance rates.

Below are several factors insurers consider when calculating Honda Civic insurance costs.

Rate of Theft with Honda Civics

The Honda Civic, as mentioned previously, is incredibly dependable, so many are on the road. Honda Civics also have easy-to-swap parts, meaning they’re stolen for parts and out of convenience.

The theft rate of the Honda Civic is high, which is why you’ll pay more for car insurance. Car insurance companies view vehicles stolen more frequently as high risk. So, drivers with those cars pay higher insurance rates.

Likelihood of Damage for Honda Civics

A high theft rate also increases the possibility of potential damages to your Honda Civic. As previously mentioned, since the Civic is one of the most stolen cars in America, car insurance companies see them as a higher risk for potential damages.

According to The National Highway and Traffic Safety Administration (NHTSA), the Honda Civic scores 109 in terms of susceptibility to damage, just a little higher than the overall average score of 100.

The Age of the Driver

Your age is a non-driving factor that affects your auto insurance. Rates tend to fluctuate depending on how old you are, with young and senior drivers paying the most. Car insurance companies view young drivers as inexperienced and more accident-prone. Senior drivers also see higher accident rates than middle-aged drivers and are more expensive to insure.

Male drivers tend to see the highest rates regardless of age, with male drivers under 25 having an average accident rate double that of female drivers in the same age bracket.

The Model Year and Type of Trim of Your Honda Civic

You may notice that prices vary depending on your vehicle’s trim, which also applies to your Honda car insurance rates. Newer vehicles will be more expensive to insure since any damage done to a new vehicle will cost more than if it’s over 10 years old. New cars will also get stolen more often than older models, making insurance costs even higher. 

The trim associated with your Honda Civic will also affect your coverage rates. Since there are various trims available, you’ll want to know what car insurance companies charge for your chosen style. For example, if you have the more economical LX, you may not pay as much as someone who owns the Honda Civic Type R.

Where You Live

Location affects what you pay for car insurance, particularly since crime rates can be higher or lower depending on the ZIP code. Therefore, auto insurance rates by ZIP code vary. For example, urban areas tend to have higher car theft rates than a more rural locale. 

What is Honda Financial GAP insurance? 

Honda Financial GAP insurance can be an asset if you’re serious about purchasing a Honda Civic or already own one. Honda Financial GAP insurance gives you guaranteed asset protection. GAP insurance can help you with your loan if your vehicle gets stolen.

There’s also Honda Care GAP insurance, which can waive the difference between what you still owe on your car if you’re financing and the depreciated value of your Honda insurance. You can also be eligible for Honda GAP insurance if you lease a vehicle.

The details of Honda Care GAP insurance are as follows: 

• Provides up to $1,000 towards your deductible on your Honda Civic
• Waives up to $50,000 of any covered losses you might face
• Assists with purchasing a new or pre-owned Honda Civic if yours gets stolen

Consider Honda Care GAP insurance if you have a Honda Civic car loan you want to protect.

What does Honda GAP insurance cost? 

You can expect to pay around $20 per year if you go directly through Honda Financial Services. Avoid purchasing it through a dealership, as it may be more expensive.

How can you save money on Honda Civic car insurance? 

Saving money can be done in a few different ways. While comparison shopping can be the easiest way to save money, other options can lower your rates.

• Protect your vehicle. By installing anti-theft devices, you’ll lower the risk of your vehicle getting stolen, and car insurance companies will lower your insurance rates.
• Talk to your insurance company about discounts. You might be surprised to learn that you qualify for discounts you didn’t know existed. Your marriage status, credit score, and driving record could all help lower your rates if your driving record and credit score are in excellent standing.
• Change your deductible. The higher your deductible, the more you pay out of pocket after an accident. If you have a clean record and want to lower what you pay each month, this could help you.

You can also reduce your coverage, though this isn’t always the most recommended route. For example, consider dropping collision insurance or comprehensive auto insurance coverage if you have an older vehicle.

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The Bottom Line on Honda Civic Auto Insurance

A Honda Civic is an excellent vehicle if you know you’ll pay more for insurance. However, there are ways you can save money and keep your car safe from theft at the same time by installing anti-theft devices. 

You can also comparison shop to find lower rates if you tell insurance companies the year and model you own or lease.

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