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What is the Best Car Insurance for a Honda Civic?

Auto insurance rates for a Honda Civic average $1,536 a year, or around $128 a month. Finding Honda Civic teenager insurance rates can cost on average $5,614 a year, so shop around to find cheap coverage.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jun 18, 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

Honda Civic insurance rates are around $17 more per year than the average vehicle in the country, owing in part to how many are stolen each year. Full coverage costs about $1,536 a year or $128 a month, though older Civics can get away with liability-only which costs about $616 a year or $51 a month.

Good drivers are eligible for up to $633 a year in policy discounts. Let’s look at Honda Civic insurance rates, safety ratings, and more.

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 Cadillac CTS, Chrysler 300, and Nissan Sentra.

Vehicle Comprehensive Collision Liability Total
Honda Civic $280 $656 $420 $1,536
Cadillac CTS $320 $626 $398 $1,502
Chrysler 300 $332 $626 $398 $1,514
Nissan Sentra $254 $570 $390 $1,372
Ford Taurus $344 $596 $398 $1,496
Audi S4 $370 $744 $338 $1,588
Chevrolet Cruze $308 $594 $372 $1,432

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 car insurance coverage.

Age of the Vehicle

The average Honda Civic car insurance rates are higher for newer models. For example, car insurance for a 2020 Honda Civic costs $1,536, while 2010 Honda Civic insurance costs 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 approximately $1,878 each year for their Honda Civic auto insurance than 30-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 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

Honda Civic crash test ratings can impact the cost of your Honda Civic car insurance. 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

Good Honda Civic safety features can result in insurers giving you car insurance discounts. The safety features for the 2020 Honda Civic are:

  • 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

The Honda Civic’s insurance loss probability varies between different coverage types. 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, most lenders will require your carry higher Honda Civic coverage options including comprehensive coverage, so be sure to shop around and compare Honda Civic auto insurance quotes from the best auto insurance companies using our FREE tool below.

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Ways to Save on Honda Civic Insurance

You can save more money on your Honda Civic auto insurance rates by employing any of the following five strategies.

  • Ask About Honda Civic Discounts If You Were Listed on Someone Else’s Policy
  • Apply for Your Full, Unrestricted License as Soon as You’re Eligible
  • Use a Service Like Turo to Rent Out Your Honda Civic
  • Add a More Experienced Driver to Your Honda Civic Policy
  • Move to the Countryside

Top Honda Civic Insurance Companies

Who is the top 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

Compare Free Honda Civic Insurance Quotes Online

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.

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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