Honda Civic Car Insurance Cost 2025
On average, getting insurance for a Honda Civic costs $343 per year. However, the actual cost may vary depending on factors like your age, location, driving history, and the model year of your vehicle. For a more personalized estimate, refer to the quote tables below.
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If you’re thinking about buying a Honda Civic, one essential aspect to consider is the insurance expenses. On average, insurance for a Honda Civic costs $343 per year. Insurance plays a major role in owning a car, so it’s vital to understand its costs before committing to a purchase.
Failing to choose a suitable car insurance plan can result in unexpected and potentially steep expenses later on. It’s important to ensure you have adequate coverage to avoid significant out-of-pocket costs in case of an accident. Additionally, there’s the possibility of premium hikes if you’re deemed responsible for an accident.
With over ten years of experience studying car insurance rates, I’ve observed considerable variations in costs. Factors like age, driving history, and location can significantly impact insurance premiums.
How Much Does A Honda Civic Car Insurance Cost?
Typically, Honda Civic drivers can secure car insurance for an average cost of $343 annually.
The cost of car insurance for a Honda Civic can vary significantly based on multiple factors, including your location, driving history, car model year, and chosen coverage options. A clean driving record can help lower premiums, while a history of accidents or traffic violations may increase costs.
Urban areas with heavy traffic typically have higher insurance rates than rural regions with less congestion. Additionally, the type of coverage impacts the premium—comprehensive insurance, which includes both collision and non-collision coverage, costs more than basic liability coverage.
As shown in the table below, insuring a Honda Civic is more expensive than the average cost for all Honda models. However, it is also higher than the average cost of insuring all cars.
To find the best deal for your needs, Insuranceopedia offers tools to compare quotes from various auto insurance companies.
| Vehicle | Average Monthly Premium |
| Honda Civic | $181 |
| All Hondas | $162 |
| All Cars | $175 |
Average Insurance Cost Of Honda Civic By Model Year
| Model Year | Average Premium |
| 2024 Honda Civic | $994 |
| 2023 Honda Civic | $578 |
| 2022 Honda Civic | $585 |
| 2021 Honda Civic | $603 |
| 2020 Honda Civic | $748 |
| 2019 Honda Civic | $382 |
| 2018 Honda Civic | $378 |
| 2017 Honda Civic | $501 |
| 2016 Honda Civic | $592 |
| 2015 Honda Civic | $639 |
| 2014 Honda Civic | $587 |
| 2013 Honda Civic | $542 |
| 2012 Honda Civic | $394 |
| 2011 Honda Civic | $436 |
| 2010 Honda Civic | $453 |
2024 Honda Civic Insurance Rates
The average annual insurance cost for a 2024 Honda Civic is $994. However, Safeco offers the cheapest rates, averaging $343 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $343 |
| Hastings Mutual Insurance Co | $1,014 |
| Liberty Mutual | $1,146 |
| Western National | $1,081 |
| Dairyland Broadform | $631 |
| Erie | $1,034 |
| Mercury | $1,427 |
| USAA | $1,122 |
| Texas Farm Bureau Group | $1,033 |
| New York Central Mutual Fire | $1,113 |
2023 Honda Civic Insurance Rates
The average annual insurance cost for a 2023 Honda Civic is $578. However, Jupiter Auto Insurance offers the cheapest rates, averaging $42 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Advantage | $773 |
| Jupiter Auto Insurance | $42 |
| Victoria | $433 |
| Capital Insurance Group | $1,044 |
| AssuranceAmerica Mobile Max | $893 |
| Safeco | $158 |
| Texas Farm Bureau Group | $1,024 |
| Mercury Insurance | $245 |
| Kemper Auto | Infinity | $112 |
| Pekin Insurance | $1,053 |
2022 Honda Civic Insurance Rates
The average annual insurance cost for a 2022 Honda Civic XL is $585. However, Kemper Auto | Infinity offers the cheapest rates, averaging $36 per year.
| Insurance Provider | Average Annual Cost |
| Victoria | $386 |
| Safeco | $380 |
| American National P | $980 |
| Dairyland FR Bond | $483 |
| Kemper Auto | Infinity | $36 |
| AssuranceAmerica Mobile Max | $480 |
| Mercury Insurance | $903 |
| Dairyland Broadform | $718 |
| Concord Group | $1,146 |
| Dairyland Auto 1 Month | $339 |
2021 Honda Civic Insurance Rates
The average annual insurance cost for a 2021 Honda Civic is $603. However, Jupiter Auto Insurance offers the cheapest rates, averaging $53 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Advantage | $837 |
| AssuranceAmerica Mobile Max | $647 |
| Titan | $889 |
| American National P | $903 |
| Safeco | $196 |
| Countryway Insurance | $930 |
| Mercury Insurance | $642 |
| Jupiter Auto Insurance | $53 |
| National General Value | $186 |
| Victoria | $751 |
2020 Honda Civic Insurance Rates
The average annual insurance cost for a 2020 Honda Civic is $748. However, Dairyland Broadform offers the cheapest rates, averaging $239 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland Broadform | $239 |
| American National P | $1,111 |
| Kemper Premium | $653 |
| Safeco | $347 |
| Kemper Auto | Infinity | $681 |
| Texas Farm Bureau Group | $1,177 |
| Mercury Insurance | $876 |
| AssuranceAmerica Mobile Max | $701 |
| Titan | $952 |
| Kemper Auto Premier | $744 |
2019 Honda Civic Insurance Rates
The average annual insurance cost for a 2019 Honda Civic is $382. However, Kemper Personal Insurance offers the cheapest rates, averaging $19 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Auto Premier | $564 |
| Kemper Auto | Infinity | $82 |
| Kemper Auto | $106 |
| American National P&C | $940 |
| Kemper Personal Insurance | $19 |
| Dairyland Broadform | $630 |
| Dairyland FR Bond | $582 |
| Mercury Insurance | $498 |
| Jupiter Auto Insurance | $126 |
| Safeco | $277 |
2018 Honda Civic Insurance Rates
The average annual insurance cost for a 2018 Honda Civic is $378. However, Kemper Personal Insurance offers the cheapest rates, averaging $10 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $346 |
| Kemper Auto | $222 |
| AssuranceAmerica Mobile Max | $525 |
| Dairyland FR Bond | $309 |
| American National P | $726 |
| Kemper Auto Premier | $539 |
| Dairyland Broadform | $558 |
| NatGen Custom 360 | $176 |
| Kemper Personal Insurance | $10 |
| Kemper Premium | $370 |
2017 Honda Civic Insurance Rates
The average annual insurance cost for a 2017 Honda Civic is $501. However, Kemper Auto | Infinity offers the cheapest rates, averaging $77 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Auto | Infinity | $77 |
| American National P&C | $938 |
| Dairyland Broadform | $883 |
| Titan | $1,027 |
| AssuranceAmerica Mobile Max | $125 |
| Kemper Personal Insurance | $223 |
| Kemper Auto Premier | $717 |
| Safeco | $327 |
| Kemper Premium | $151 |
| NatGen Custom 360 | $542 |
Find Affordable Honda Civic Insurance Rates
2016 Honda Civic Insurance Rates
The average annual insurance cost for a 2016 Honda Civic is $592. However, AssuranceAmerica Mobile Max offers the cheapest rates, averaging $167 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Custom 360 | $706 |
| Mercury Insurance Company | $1,013 |
| Kemper Auto Premier | $541 |
| American National P | $799 |
| Utica National Ins Group | $1,067 |
| Mercury Insurance | $671 |
| Safeco | $215 |
| AssuranceAmerica Mobile Max | $167 |
| Kemper Auto | $498 |
| Kemper Personal Insurance | $242 |
2015 Honda Civic Insurance Rates
The average annual insurance cost for a 2015 Honda Civic is $639. However, Safeco offers the cheapest rates, averaging $119 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $681 |
| SECURA Insurance | $1,027 |
| AssuranceAmerica Mobile Max | $478 |
| Utica National Ins Group | $941 |
| NatGen Custom 360 | $275 |
| Buckeye Insurance Group | $1,100 |
| Kemper Auto Premier | $589 |
| Dairyland Auto 1 Month | $329 |
| Safeco | $119 |
| Mercury Insurance | $847 |
2014 Honda Civic Insurance Rates
The average annual insurance cost for a 2014 Honda Civic is $587. However, Safeco offers the cheapest rates, averaging $113 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Value | $846 |
| American National P | $933 |
| Kemper Auto Premium | $390 |
| NatGen Custom 360 | $149 |
| Mercury Insurance | $661 |
| Kemper Auto Premier | $634 |
| Titan | $906 |
| NatGen Advantage | $659 |
| Kemper Personal Insurance | $575 |
| Safeco | $113 |
2013 Honda Civic Insurance Rates
The average annual insurance cost for a 2013 Honda Civic is $542. However, NatGen Custom 360 offers the cheapest rates, averaging $99 per year.
| Insurance Provider | Average Annual Cost |
| AssuranceAmerica Mobile Max | $513 |
| Safeco | $187 |
| SECURA Insurance | $886 |
| Kemper Auto Premium | $354 |
| Indiana Farmers Mutual Ins | $932 |
| Dairyland Auto 1 Month | $414 |
| Concord Group | $951 |
| NatGen Advantage | $548 |
| Mercury Insurance | $535 |
| NatGen Custom 360 | $99 |
2012 Honda Civic Insurance Rates
The average annual insurance cost for a 2012 Honda Civic is $542. However, Kemper Auto Premium offers the cheapest rates, averaging $56 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $751 |
| Safeco | $146 |
| Dairyland FR Bond | $224 |
| NatGen Custom 360 | $319 |
| Dairyland Broadform | $718 |
| Kemper Auto Premier | $574 |
| Kemper Auto Premium | $56 |
| Mercury Insurance | $523 |
| AssuranceAmerica Mobile Max | $183 |
| Kemper Personal Insurance | $447 |
2011 Honda Civic Insurance Rates
The average annual insurance cost for a 2011 Honda Civic is $436. However, Safeco offers the cheapest rates, averaging $58 per year.
| Insurance Provider | Average Annual Cost |
| Buckeye Insurance Group | $862 |
| Dairyland FR Bond | $275 |
| North Carolina Farm Bureau | $838 |
| AssuranceAmerica Mobile Max | $157 |
| Kemper Auto | Infinity | $573 |
| Dairyland Broadform | $758 |
| Kemper Personal Insurance | $99 |
| Kemper Auto Premier | $625 |
| Mercury Insurance | $113 |
| Safeco | $58 |
2010 Honda Civic Insurance Rates
The average annual insurance cost for a 2010 Honda Civic is $453. However, Safeco offers the cheapest rates, averaging $66 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Personal Insurance | $426 |
| Mercury Insurance | $334 |
| NatGen Custom 360 | $112 |
| Dairyland FR Bond | $110 |
| Loya Insurance | $774 |
| Kemper Auto Premier | $736 |
| Safeco | $66 |
| Union Mutual Fire Group | $534 |
| PEMCO | $729 |
| Commerce Group Inc | $705 |
Find Affordable Honda Civic Insurance Rates
Is A Honda Civic Expensive To Insure?
Insuring a Honda Civic generally costs more than the average for all cars. However, the actual insurance premium you’ll pay depends on various factors, including your age, the age of your car, your location, and additional personal details. Each of these elements influences how insurance companies assess risk and calculate your rate.
Cost of Honda Civic Car Insurance By Age
Age plays a significant role in determining insurance rates for any vehicle. Teenagers often face the highest premiums because they are statistically more likely to be involved in car accidents compared to other age groups. As you get older, your premiums typically decrease, as you are considered a lower risk to insurance companies.
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $7,853 | $11,513 | $13,389 |
| 18 | $7,248 | $10,688 | $12,483 |
| 19 | $6,420 | $9,500 | $11,088 |
| 20 | $5,640 | $8,296 | $9,650 |
| 21 | $4,738 | $6,938 | $8,115 |
| 22 | $4,573 | $6,779 | $7,900 |
| 23 | $3,977 | $5,913 | $6,902 |
| 24 | $3,814 | $5,610 | $6,501 |
| 25 | $3,323 | $4,879 | $5,639 |
| 30 | $2,557 | $3,803 | $4,407 |
| 35 | $2,447 | $3,508 | $4,149 |
| 40 | $2,304 | $3,419 | $3,951 |
| 45 | $2,250 | $3,323 | $3,875 |
| 55 | $2,095 | $2,979 | $3,584 |
| 65 | $2,105 | $3,200 | $3,643 |
| 75 | $2,679 | $3,997 | $4,692 |
Honda Civic Car Insurance Rates By State
Where you live plays a significant role in how insurance companies calculate rates. Each state regulates its own auto insurance, leading to variations in premiums. For example, drivers in Michigan often pay higher premiums because the state mandates higher levels of coverage. Additionally, the climate of each location can affect insurance costs—some states experience extreme weather conditions like hurricanes, storms, and flooding. Furthermore, each area has its own statistics on crime and auto accidents, including car thefts, crashes, and vehicle fatality rates. Insurance companies take all of these factors into account when determining your specific Honda Civic insurance rate.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,486 | $3,597 | $4,559 |
| Alaska | $2,048 | $2,824 | $2,750 |
| Arizona | $2,289 | $3,308 | $4,858 |
| Arkansas | $2,550 | $3,936 | $4,370 |
| California | $2,801 | $4,932 | $2,769 |
| Colorado | $2,558 | $3,680 | $4,610 |
| Connecticut | $3,373 | $5,161 | $6,551 |
| Delaware | $2,722 | $3,639 | $4,756 |
| Florida | $3,329 | $4,584 | $5,883 |
| Georgia | $2,678 | $4,035 | $4,032 |
| Hawaii | $1,035 | $1,404 | $1,100 |
| Idaho | $1,856 | $2,450 | $2,992 |
| Illinois | $1,954 | $2,943 | $3,374 |
| Indiana | $2,003 | $3,044 | $3,398 |
| Iowa | $1,612 | $2,152 | $2,581 |
| Kansas | $2,122 | $3,109 | $3,599 |
| Kentucky | $3,017 | $4,432 | $5,264 |
| Louisiana | $3,871 | $5,860 | $6,426 |
| Maine | $1,490 | $2,082 | $3,058 |
| Maryland | $2,419 | $3,480 | $3,903 |
| Massachusetts | $1,929 | $3,354 | $1,895 |
| Michigan | $4,603 | $7,074 | $11,160 |
| Minnesota | $1,861 | $2,511 | $3,544 |
| Mississippi | $2,268 | $3,299 | $3,316 |
| Missouri | $2,180 | $3,141 | $4,043 |
| Montana | $2,225 | $3,109 | $3,554 |
| Nebraska | $1,816 | $2,736 | $2,984 |
| Nevada | $3,102 | $4,559 | $4,817 |
| New Hampshire | $2,088 | $3,364 | $4,312 |
| New Jersey | $2,304 | $3,726 | $4,867 |
| New Mexico | $2,377 | $3,578 | $3,661 |
| New York | $2,265 | $2,792 | $4,644 |
| North Carolina | $1,420 | $2,418 | $1,700 |
| North Dakota | $1,909 | $2,843 | $3,410 |
| Ohio | $1,670 | $2,571 | $2,617 |
| Oklahoma | $2,728 | $3,874 | $4,373 |
| Oregon | $2,422 | $3,291 | $3,927 |
| Pennsylvania | $2,094 | $3,058 | $3,493 |
| Rhode Island | $3,452 | $5,053 | $5,719 |
| South Carolina | $2,351 | $3,265 | $4,430 |
| South Dakota | $2,057 | $3,047 | $3,487 |
| Tennessee | $2,467 | $3,676 | $4,838 |
| Texas | $2,470 | $3,577 | $4,451 |
| Utah | $2,062 | $3,008 | $4,044 |
| Vermont | $1,599 | $2,509 | $2,663 |
| Virginia | $1,546 | $2,336 | $2,338 |
| Washington | $2,057 | $2,766 | $3,270 |
| West Virginia | $2,062 | $2,955 | $3,685 |
| Wisconsin | $2,070 | $3,207 | $3,605 |
| Wyoming | $1,879 | $2,636 | $2,796 |
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Cheapest Car Insurance Companies For A Honda Civic
If you’re looking to purchase a new car insurance policy for your Honda Civic, you may want to know which companies offer the cheapest rates. For drivers seeking the most affordable option, Ohio Mutual offers a premium of $25 per month, making them the cheapest provider for a Honda Civic. However, keep in mind that rates can fluctuate based on your individual driver profile, so this rate serves as just an average. The best way to secure the best deal is to shop around and compare quotes from different providers.
| Company | Average Monthly Rate |
| USAA | $39 |
| Ohio Mutual | $25 |
| CaliforniaCasualty | $42 |
| American Family | $41 |
| CSAA | $40 |
Common Honda Civic Insurance Discounts
Discounts are a great way to reduce your car insurance costs. While each auto insurance provider offers their own set of discounts, some of the most common ones you may qualify for include:
- Multi-policy: Bundle your home and auto insurance policies with the same provider to often receive a discounted rate.
- Pay annually: Paying your premium all at once, rather than spreading it over monthly payments, can lead to savings.
- Defensive driving: Completing defensive driving courses from a certified institution can make you eligible for lower premiums.
There are additional discounts you might be eligible for, so it’s a good idea to speak with your insurance agent, who can help you find the ones that best suit your situation.
Ways To Save On Honda Civic Insurance Costs
Maintaining a clean driving record is one of the best ways to keep your Honda Civic insurance costs down. Getting a speeding ticket or being involved in an accident can significantly raise your premiums. Drivers with a ticket on their record typically pay around $94 per month, while those with multiple accidents can expect to pay an average of $135 per month. By avoiding these incidents, you can help keep your insurance costs low. Additionally, drivers with low annual mileage often pay less for Honda Civic insurance, as driving less frequently reduces the likelihood of accidents, making you a lower risk to insure. Those who drive between 5,001-7,500 miles per year typically pay around $78 per month, while those who drive over 10,000 miles per year can expect to pay around $85 per month.
Compare Honda Civic To Other Honda Models
Looking for other Honda model insurance costs?
Our Methodology
In order to calculate average car insurance costs, Insuranceopedia aggregated thousands of quotes from leading auto insurance providers. The sample profile used was for a 40-year-old male driver purchasing full-coverage insurance with coverage limits of $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. However, the figures provided in this guide may vary based on your individual circumstances, such as your age, location, driving history, and specific coverage needs.
Quotes Analyzed
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Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A Honda Civic?
Yes, you will need to provide proof of insurance before you can drive your Honda Civic off the dealership lot. The best approach is to purchase a policy first and then notify your insurance company that you’re about to buy the car. This allows you to secure your own insurance coverage, rather than relying on the dealership to provide it for you.
How Can You Get The Cheapest Insurance For Your Honda Civic?
The best way to find the cheapest rates for your Honda Civic is by shopping around and comparing quotes from different auto insurance companies. Fortunately, Insuranceopedia makes it easy by allowing you to compare quotes from multiple providers directly on our website, ensuring you get the best deal tailored to your needs.
