Insurance premiums for a Honda Civic average $159 monthly for full coverage and $83 for minimum coverage. Depending on your particular trim and model year, costs can range from $63 to $338 monthly.
Honda Civic Insurance Cost
Updated: January 21, 2026
Key Takeaways
GEICO offers the most affordable Honda Civic insurance on average, though full coverage costs vary widely by model year and insurer. You'll pay around $180 monthly for comprehensive protection. Read more
Among hatchbacks, the Civic ranks 34th out of 52 for insurance affordability, placing it in the middle tier for its vehicle type. Hatchbacks cost less to insure than other cars due to their smaller size and solid safety ratings. Read more
Your Civic's specific model year makes a big difference in insurance costs, especially if you're adding a teen driver to your policy. Read MoneyGeek's analysis of rates by company for specific Civic model years, depending on the age of the drivers
How Much Is Honda Civic Insurance?
| Honda Civic | $83 | $159 |
Looking for another Honda model? Read more about the cost of Honda car insurance models.
Your Honda Civic's age directly impacts what you'll pay for insurance each month. Newer Civics cost more to insure because they're worth more, while older models benefit from depreciation with premiums starting around $70 compared to $236 for the latest models.
Insurance costs for a Honda Civic depend on model year and company. Full coverage goes from $121 monthly with GEICO to $283 with AIG, while minimum coverage spans $56 with GEICO to $143 with UAIC.
Honda Civic owners should shop between insurers since minimum coverage varies by over $87 and full coverage by over $162. Each company calculates risk differently for the Honda Civic, affecting your final quote.
| AAA | $91 | $189 |
| AIG | $116 | $283 |
| Allstate | $107 | $207 |
| Amica | $104 | $213 |
| Chubb | $109 | $213 |
| Farmers | $118 | $208 |
| Geico | $56 | $121 |
| Kemper | $80 | $161 |
| Nationwide | $98 | $169 |
| Progressive | $82 | $153 |
| State Farm | $76 | $158 |
| The Hartford | $87 | $149 |
| Travelers | $74 | $135 |
| UAIC | $143 | $178 |
Is Honda Civic Expensive to Insure?
MoneyGeek's analysis of 52 hatchbacks shows the Honda Civic ranking 34th for insurance affordability. That puts it right in the middle, with the Civic costing a few dollars more per month than an Acura Integra but slightly less than a Hyundai Veloster. It's a pretty typical result for this vehicle category.
Here's the bigger picture: the Civic ranks 174th out of 827 total cars in our database, making it among the top 25% most affordable vehicles to insure overall. The cheapest hatchback to insure is the Saab 9-3, while the Cadillac Celestiq commands the highest premiums in this category.
| Volkswagen Golf | $134 | 31 |
| Lexus IS | $134 | 32 |
| Ford Fiesta | $134 | 32 |
| Acura Integra | $137 | 33 |
| Honda Civic | $137 | 34 |
| Hyundai Veloster | $138 | 35 |
| Fiat 500 | $141 | 36 |
| Toyota Corolla | $147 | 37 |
Several factors affect what you'll pay for Honda Civic insurance:
- Average Repair or Replacement Costs: Honda Civic maintenance expenses average $547 annually, ranking as the third most affordable Honda model to maintain out of 18 available models, which helps keep insurance premiums reasonable.
- Vehicle Trim, Features and Accessories: Performance capabilities range from 158 to 306 horsepower across different Honda Civic trims. Higher-performance variants with increased horsepower output result in higher insurance premiums due to elevated risk profiles.
- Driver Profile:Â The typical Honda Civic owner falls within the 25 to 34 age group, with a median age of around 30. Younger drivers often face higher rates, and the Civic's performance reputation attracts risk-taking behaviors that concern insurers. Read more about the costs of Honda Civics for young drivers.
Honda Civic Costs by Model Year and Driver Age by Insurance Company
Model year and driver age impact your Honda Civic insurance costs. A 35- to 55-year-old driver pays around $170 monthly for full coverage on a 2016 Civic compared to $273 for a 2025 model, showing how newer vehicles have higher premiums. Young drivers in their teens and early twenties face even steeper rates across all model years.
GEICO offers the lowest rates across all Honda Civic model years and could save certain drivers hundreds of dollars per month.Â
Older models (2016 to 2020):
Cost of Car Insurance for 2025 Honda Civic
| Geico | $85 | $184 |
| Progressive | $106 | $199 |
| National General | $108 | $221 |
| Kemper | $112 | $225 |
| State Farm | $114 | $238 |
| Travelers | $114 | $210 |
| Nationwide | $137 | $237 |
| The Hartford | $138 | $235 |
| AAA | $141 | $293 |
| Allstate | $147 | $285 |
| Amica | $163 | $336 |
| AIG | $186 | $470 |
| Chubb | $190 | $379 |
| UAIC | $193 | $244 |
| Farmers | $195 | $346 |
2025 Honda Civic Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $893 | $786 | $695 | $601 | $530 | $451 | $410 | $366 | $334 | $295 |
| Geico | $1,041 | $759 | $637 | $463 | $399 | $322 | $296 | $245 | $232 | $211 |
| Nationwide | $1,075 | $985 | $907 | $769 | $650 | $421 | $391 | $364 | $344 | $308 |
| Travelers | $1,239 | $896 | $707 | $546 | $481 | $358 | $327 | $302 | $279 | $242 |
| Allstate | $1,352 | $1,059 | $856 | $633 | $567 | $442 | $401 | $379 | $358 | $317 |
| Progressive | $1,439 | $1,163 | $965 | $537 | $469 | $379 | $338 | $301 | $277 | $238 |
| Farmers | $2,181 | $1,612 | $1,434 | $883 | $832 | $632 | $564 | $539 | $513 | $431 |
Cost of Car Insurance for 2024 Honda Civic
| Geico | $80 | $174 |
| Progressive | $101 | $188 |
| National General | $102 | $210 |
| Kemper | $106 | $213 |
| State Farm | $108 | $225 |
| Travelers | $108 | $199 |
| Nationwide | $130 | $224 |
| The Hartford | $130 | $222 |
| AAA | $134 | $278 |
| Allstate | $140 | $270 |
| Amica | $155 | $318 |
| AIG | $176 | $445 |
| Chubb | $180 | $359 |
| UAIC | $183 | $231 |
| Farmers | $185 | $327 |
2024 Honda Civic Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $846 | $744 | $658 | $569 | $502 | $427 | $388 | $346 | $317 | $279 |
| Geico | $985 | $719 | $603 | $438 | $377 | $305 | $281 | $232 | $220 | $200 |
| Nationwide | $1,017 | $932 | $858 | $728 | $615 | $399 | $370 | $345 | $326 | $292 |
| Travelers | $1,173 | $848 | $670 | $517 | $456 | $339 | $310 | $286 | $264 | $229 |
| Allstate | $1,280 | $1,002 | $810 | $599 | $537 | $419 | $380 | $359 | $339 | $300 |
| Progressive | $1,362 | $1,101 | $913 | $508 | $444 | $358 | $320 | $285 | $263 | $226 |
| Farmers | $2,064 | $1,526 | $1,357 | $836 | $788 | $598 | $534 | $510 | $485 | $408 |
Cost of Car Insurance for 2023 Honda Civic
| Geico | $75 | $162 |
| Progressive | $94 | $176 |
| National General | $95 | $196 |
| Kemper | $99 | $199 |
| State Farm | $101 | $210 |
| Travelers | $101 | $186 |
| Nationwide | $121 | $209 |
| The Hartford | $122 | $207 |
| AAA | $125 | $259 |
| Allstate | $130 | $252 |
| Amica | $144 | $296 |
| AIG | $164 | $415 |
| Chubb | $168 | $335 |
| UAIC | $171 | $216 |
| Farmers | $172 | $306 |
2023 Honda Civic Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $789 | $695 | $614 | $531 | $469 | $398 | $362 | $323 | $296 | $260 |
| Geico | $920 | $671 | $563 | $409 | $352 | $284 | $262 | $217 | $205 | $186 |
| Nationwide | $950 | $870 | $801 | $680 | $574 | $372 | $345 | $322 | $304 | $272 |
| Travelers | $1,095 | $791 | $625 | $483 | $425 | $316 | $289 | $267 | $246 | $214 |
| Allstate | $1,195 | $936 | $756 | $559 | $501 | $391 | $355 | $335 | $316 | $280 |
| Progressive | $1,272 | $1,027 | $853 | $474 | $414 | $335 | $298 | $266 | $245 | $211 |
| Farmers | $1,927 | $1,425 | $1,267 | $780 | $735 | $558 | $499 | $476 | $453 | $380 |
Cost of Car Insurance for 2022 Honda Civic
| Geico | $65 | $142 |
| Progressive | $82 | $153 |
| National General | $83 | $171 |
| Kemper | $86 | $174 |
| State Farm | $88 | $183 |
| Travelers | $88 | $162 |
| Nationwide | $106 | $182 |
| The Hartford | $106 | $181 |
| AAA | $109 | $226 |
| Allstate | $114 | $220 |
| Amica | $126 | $259 |
| AIG | $143 | $362 |
| Chubb | $147 | $292 |
| UAIC | $149 | $188 |
| Farmers | $150 | $266 |
2022 Honda Civic Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $689 | $606 | $536 | $463 | $409 | $347 | $316 | $282 | $258 | $227 |
| Geico | $802 | $585 | $491 | $357 | $307 | $248 | $228 | $189 | $179 | $162 |
| Nationwide | $828 | $759 | $699 | $593 | $501 | $325 | $301 | $281 | $265 | $237 |
| Travelers | $955 | $690 | $545 | $421 | $371 | $276 | $252 | $233 | $215 | $186 |
| Allstate | $1,042 | $816 | $659 | $488 | $437 | $341 | $309 | $292 | $276 | $244 |
| Progressive | $1,109 | $896 | $744 | $413 | $361 | $292 | $260 | $232 | $214 | $184 |
| Farmers | $1,680 | $1,242 | $1,105 | $680 | $641 | $487 | $435 | $415 | $395 | $332 |
Cost of Car Insurance for 2021 Honda Civic
| Geico | $66 | $143 |
| Progressive | $83 | $155 |
| National General | $84 | $172 |
| Kemper | $87 | $175 |
| State Farm | $89 | $185 |
| Travelers | $89 | $163 |
| Nationwide | $107 | $184 |
| The Hartford | $107 | $182 |
| AAA | $110 | $228 |
| Allstate | $115 | $222 |
| Amica | $127 | $261 |
| AIG | $144 | $366 |
| Chubb | $148 | $295 |
| UAIC | $150 | $190 |
| Farmers | $152 | $269 |
2021 Honda Civic Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $695 | $611 | $541 | $467 | $412 | $351 | $319 | $284 | $260 | $229 |
| Geico | $809 | $590 | $495 | $360 | $310 | $250 | $231 | $191 | $180 | $164 |
| Nationwide | $836 | $766 | $705 | $598 | $505 | $328 | $304 | $283 | $268 | $239 |
| Travelers | $964 | $696 | $550 | $425 | $374 | $278 | $254 | $235 | $217 | $188 |
| Allstate | $1,051 | $823 | $665 | $492 | $441 | $344 | $312 | $295 | $278 | $246 |
| Progressive | $1,119 | $904 | $750 | $417 | $364 | $294 | $263 | $234 | $216 | $185 |
| Farmers | $1,696 | $1,254 | $1,115 | $686 | $647 | $491 | $439 | $419 | $399 | $335 |
Cost of Car Insurance for 2020 Honda Civic
| Geico | $55 | $120 |
| National General | $68 | $139 |
| Travelers | $68 | $126 |
| Progressive | $81 | $152 |
| State Farm | $82 | $172 |
| Kemper | $85 | $173 |
| The Hartford | $87 | $148 |
| AAA | $92 | $190 |
| Nationwide | $93 | $160 |
| Amica | $105 | $216 |
| Allstate | $106 | $205 |
| Chubb | $109 | $216 |
| AIG | $113 | $277 |
| Farmers | $123 | $215 |
| UAIC | $137 | $171 |
2020 Honda Civic Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $645 | $568 | $502 | $434 | $383 | $326 | $296 | $264 | $241 | $213 |
| Geico | $680 | $495 | $416 | $301 | $260 | $209 | $193 | $160 | $151 | $137 |
| Nationwide | $727 | $665 | $613 | $520 | $439 | $285 | $264 | $246 | $233 | $208 |
| Travelers | $753 | $542 | $428 | $330 | $291 | $215 | $196 | $181 | $167 | $145 |
| Allstate | $980 | $767 | $618 | $456 | $409 | $318 | $289 | $273 | $257 | $228 |
| Progressive | $1,105 | $890 | $738 | $410 | $358 | $289 | $258 | $230 | $212 | $182 |
| Farmers | $1,327 | $983 | $877 | $549 | $519 | $397 | $353 | $338 | $321 | $270 |
Cost of Car Insurance for 2019 Honda Civic
| Geico | $55 | $119 |
| National General | $67 | $137 |
| Travelers | $70 | $128 |
| Progressive | $82 | $154 |
| State Farm | $85 | $176 |
| The Hartford | $91 | $155 |
| AAA | $95 | $196 |
| Kemper | $96 | $196 |
| Nationwide | $103 | $177 |
| Amica | $104 | $213 |
| Allstate | $105 | $203 |
| Chubb | $108 | $214 |
| AIG | $117 | $287 |
| Farmers | $126 | $222 |
| UAIC | $141 | $176 |
2019 Honda Civic Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $663 | $583 | $516 | $446 | $393 | $334 | $304 | $271 | $248 | $218 |
| Geico | $675 | $492 | $413 | $300 | $258 | $208 | $192 | $159 | $150 | $137 |
| Travelers | $772 | $554 | $437 | $337 | $297 | $219 | $200 | $184 | $170 | $148 |
| Nationwide | $807 | $739 | $681 | $577 | $488 | $316 | $293 | $273 | $258 | $231 |
| Allstate | $973 | $762 | $614 | $452 | $405 | $316 | $287 | $271 | $255 | $226 |
| Progressive | $1,121 | $903 | $748 | $416 | $363 | $294 | $262 | $233 | $215 | $184 |
| Farmers | $1,369 | $1,013 | $903 | $564 | $533 | $406 | $362 | $346 | $329 | $277 |
Cost of Car Insurance for 2018 Honda Civic
| Geico | $54 | $117 |
| National General | $66 | $135 |
| Travelers | $73 | $133 |
| Progressive | $77 | $143 |
| State Farm | $86 | $178 |
| Kemper | $95 | $193 |
| The Hartford | $96 | $164 |
| AAA | $96 | $200 |
| Allstate | $100 | $194 |
| Amica | $103 | $211 |
| Chubb | $108 | $214 |
| Nationwide | $112 | $193 |
| AIG | $120 | $297 |
| Farmers | $128 | $227 |
| UAIC | $143 | $180 |
2018 Honda Civic Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Geico | $660 | $481 | $403 | $292 | $252 | $204 | $188 | $155 | $147 | $134 |
| State Farm | $672 | $591 | $523 | $452 | $398 | $339 | $308 | $275 | $251 | $221 |
| Travelers | $800 | $573 | $451 | $348 | $306 | $226 | $207 | $191 | $176 | $153 |
| Nationwide | $880 | $806 | $743 | $630 | $532 | $345 | $320 | $298 | $281 | $252 |
| Allstate | $927 | $727 | $585 | $431 | $386 | $301 | $274 | $258 | $244 | $215 |
| Progressive | $1,042 | $840 | $696 | $388 | $338 | $273 | $244 | $217 | $200 | $172 |
| Farmers | $1,414 | $1,045 | $930 | $577 | $544 | $413 | $369 | $353 | $336 | $282 |
Cost of Car Insurance for 2017 Honda Civic
| Geico | $53 | $114 |
| National General | $64 | $132 |
| Travelers | $72 | $131 |
| Progressive | $74 | $138 |
| State Farm | $84 | $174 |
| Kemper | $90 | $181 |
| AAA | $95 | $197 |
| The Hartford | $96 | $164 |
| Allstate | $98 | $189 |
| Amica | $101 | $206 |
| Chubb | $105 | $208 |
| Nationwide | $113 | $194 |
| AIG | $118 | $292 |
| Farmers | $126 | $223 |
| UAIC | $141 | $177 |
2017 Honda Civic Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Geico | $646 | $470 | $395 | $286 | $247 | $199 | $183 | $152 | $144 | $131 |
| State Farm | $656 | $577 | $510 | $441 | $389 | $331 | $300 | $268 | $245 | $216 |
| Travelers | $793 | $568 | $447 | $344 | $303 | $224 | $204 | $188 | $174 | $151 |
| Nationwide | $885 | $810 | $747 | $634 | $535 | $347 | $321 | $299 | $283 | $253 |
| Allstate | $901 | $706 | $568 | $419 | $375 | $293 | $266 | $251 | $237 | $209 |
| Progressive | $1,004 | $809 | $670 | $374 | $326 | $263 | $235 | $209 | $193 | $165 |
| Farmers | $1,390 | $1,028 | $915 | $567 | $535 | $406 | $363 | $346 | $330 | $277 |
Cost of Car Insurance for 2016 Honda Civic
| Geico | $51 | $109 |
| National General | $59 | $121 |
| Travelers | $69 | $126 |
| Progressive | $74 | $137 |
| State Farm | $77 | $159 |
| Kemper | $84 | $170 |
| AAA | $89 | $184 |
| The Hartford | $91 | $154 |
| Amica | $93 | $189 |
| Allstate | $94 | $181 |
| Chubb | $99 | $195 |
| Nationwide | $101 | $174 |
| AIG | $112 | $276 |
| Farmers | $117 | $206 |
| UAIC | $133 | $166 |
2016 Honda Civic Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $599 | $527 | $466 | $403 | $355 | $302 | $274 | $245 | $224 | $197 |
| Geico | $616 | $449 | $377 | $273 | $236 | $190 | $175 | $145 | $137 | $125 |
| Travelers | $756 | $543 | $428 | $330 | $290 | $215 | $196 | $181 | $167 | $145 |
| Nationwide | $793 | $726 | $669 | $567 | $479 | $310 | $288 | $268 | $253 | $227 |
| Allstate | $868 | $680 | $547 | $402 | $360 | $281 | $255 | $241 | $227 | $201 |
| Progressive | $1,001 | $806 | $668 | $372 | $325 | $262 | $234 | $208 | $192 | $165 |
| Farmers | $1,280 | $947 | $844 | $523 | $493 | $374 | $335 | $320 | $304 | $256 |
Honda Civic Insurance Cost by Trim
Honda Civic insurance costs range from $63 monthly for minimum coverage on basic DX Hatchback 2D models to $338 for full coverage on Type R variants. Performance features, rarity, and market value drive these substantial differences between trim levels.
| Dx Hatchback 2d | $63 | $121 |
| Cx Hatchback 2d | $63 | $121 |
| Si Mugen Sedan 4d | $65 | $125 |
| Ex Special Edition Sedan 4d | $67 | $129 |
| Dx Sedan 4d | $73 | $140 |
| Vp Sedan 4d | $73 | $141 |
| Lx W/Honda Sensing Hatchback 4d | $73 | $141 |
| Dx Coupe 2d | $74 | $142 |
| Ex Special Edition Coupe 2d | $74 | $142 |
| Hx Coupe 2d | $74 | $143 |
| Lx W/Honda Sensing Sedan 4d | $75 | $145 |
| Value Coupe 2d | $75 | $144 |
| Lx Coupe 2d | $76 | $146 |
| Hybrid Sedan 4d | $76 | $146 |
| Hf Sedan 4d | $77 | $148 |
| Gx Sedan 4d | $77 | $149 |
| Lx Special Edition Sedan 4d | $78 | $150 |
| Ex Coupe 2d | $78 | $150 |
| Lx Sedan 4d | $79 | $152 |
| Lx-P Coupe 2d | $79 | $153 |
| Ex-T Sedan 4d | $79 | $153 |
| Natural Gas Sedan 4d | $80 | $154 |
| Ex-L Sedan 4d | $80 | $154 |
| Ex-L Coupe 2d | $80 | $154 |
| Ex-T Coupe 2d | $80 | $155 |
| Lx Special Edition Coupe 2d | $80 | $155 |
| Ex Sedan 4d | $80 | $155 |
| Si Coupe 2d | $81 | $156 |
| Ex-L W/Navigation Hatchback 4d | $81 | $156 |
| Touring Coupe 2d | $81 | $157 |
| Lx-S Sedan 4d | $82 | $158 |
| Si Sedan 4d | $83 | $161 |
| Ex Hatchback 4d | $84 | $162 |
| Type R Touring Hatchback Sedan 4d | $84 | $163 |
| Ex W/Honda Sensing Sedan 4d | $84 | $163 |
| Sport Hatchback 4d | $85 | $164 |
| Se Sedan 4d | $85 | $165 |
| Ex-T W/Honda Sensing Sedan 4d | $86 | $165 |
| Lx Hatchback 4d | $86 | $166 |
| Sport Sedan 4d | $86 | $167 |
| Ex-L W/Honda Sensing Sedan 4d | $87 | $167 |
| Value Sedan 4d | $87 | $168 |
| Ex-L W/Navigation Sedan 4d | $88 | $169 |
| Sport Coupe 2d | $88 | $170 |
| Touring Sedan 4d | $89 | $172 |
| Ex-L W/Navigation & Honda Sensing Hatchback 4d | $90 | $173 |
| Ex W/Honda Sensing Hatchback 4d | $90 | $173 |
| Ex-L Hatchback 4d | $91 | $177 |
| Sport Touring Hatchback 4d | $93 | $180 |
| Lx | $94 | $182 |
| Si Hatchback 2d | $100 | $192 |
| Ex | $103 | $200 |
| Sport | $104 | $203 |
| Ex-L | $109 | $211 |
| Si | $116 | $224 |
| Touring | $116 | $224 |
| Sport Touring | $121 | $235 |
| Type Rtouring Hatchback Sedan 4d | $145 | $281 |
| Type R Limited Edition Hatchback Sedan 4d | $155 | $301 |
| Type R Hatchback Sedan 4d | $171 | $331 |
| Type R | $174 | $338 |
Honda Civic Insurance Cost by State
Car insurance for a Honda Civic costs as little as $29 per month in Wyoming or as much as $165 in Louisiana for minimum coverage, depending on where you live. Your state's risk characteristics and insurance regulations drive these differences, not the model itself.
| Alabama | $68 | $128 |
| Alaska | $58 | $124 |
| Arizona | $97 | $181 |
| Arkansas | $65 | $144 |
| California | $78 | $158 |
| Colorado | $77 | $183 |
| Connecticut | $115 | $198 |
| Delaware | $118 | $198 |
| Florida | $109 | $251 |
| Georgia | $122 | $201 |
| Hawaii | $44 | $98 |
| Idaho | $45 | $91 |
| Illinois | $74 | $138 |
| Indiana | $52 | $102 |
| Iowa | $43 | $105 |
| Kansas | $58 | $134 |
| Kentucky | $102 | $173 |
| Louisiana | $165 | $354 |
| Maine | $41 | $86 |
| Maryland | $128 | $216 |
| Massachusetts | $84 | $177 |
| Michigan | $125 | $240 |
| Minnesota | $66 | $137 |
| Mississippi | $69 | $137 |
| Missouri | $92 | $184 |
| Montana | $55 | $131 |
| Nebraska | $58 | $131 |
| Nevada | $148 | $267 |
| New Hampshire | $57 | $100 |
| New Jersey | $136 | $224 |
| New Mexico | $66 | $147 |
| New York | $100 | $179 |
| North Carolina | $67 | $131 |
| North Dakota | $47 | $102 |
| Ohio | $61 | $119 |
| Oklahoma | $74 | $163 |
| Oregon | $103 | $179 |
| Pennsylvania | $68 | $160 |
| Rhode Island | $102 | $181 |
| South Carolina | $84 | $157 |
| South Dakota | $42 | $127 |
| Tennessee | $63 | $128 |
| Texas | $103 | $211 |
| Utah | $88 | $150 |
| Vermont | $36 | $86 |
| Virginia | $77 | $125 |
| Washington | $76 | $140 |
| West Virginia | $69 | $140 |
| Wisconsin | $52 | $114 |
| Wyoming | $29 | $90 |
How to Lower the Cost of Honda Civic Insurance
We've compiled the most effective strategies to help you secure affordable Honda Civic insurance:
- 1Choose the right coverage
Figure out how much coverage to buy for your Honda Civic based on your ownership situation. Own it outright? Get state minimum liability plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Choose 100/300/100 liability with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with $500 deductible, plus gap insurance.
- 2Research costs and cheap companies
Learn what you should pay by researching average auto insurance costs for compact cars like your Honda Civic. This benchmark assists with shopping among the cheapest car insurance companies offering competitive rates. Understanding typical pricing helps you identify genuinely good deals versus inflated quotes.
- 3Look for more than just low rates
Finding quality car insurance means evaluating insurers beyond their quotes alone. Check J.D. Power satisfaction ratings, examine forum discussions about claims processing, review Better Business Bureau records and confirm AM Best financial stability ratings. Budget options could provide limited coverage or slower customer service when you need help most.
- 4Explore discounts you qualify for
Discover car insurance discounts that apply to your Honda Civic ownership. Civic owners qualify for safety features discounts, good driver rewards, multi-vehicle savings and bundling discounts. Many insurers also offer student discounts, military discounts and loyalty programs that can reduce your annual premiums without compromising coverage quality.
- 5Consider alternative car insurance types
Honda Civic owners might benefit from usage-based insurance programs like Progressive Snapshot or Allstate Drivewise. These plans track safe driving habits including smooth acceleration, gentle braking and responsible speed management. If you're a careful driver, these telematics programs can deliver substantial premium reductions based on your actual driving behavior rather than statistical averages.
- 6Check rates every year
Obtain car insurance quotes from multiple companies annually to ensure competitive pricing. Your current insurer doesn't notify you when competitors lower their rates, making regular comparisons essential. Honda Civic owners who shop around yearly could save up to 24% on their insurance premiums by switching to better-priced providers offering similar coverage levels.
Honda Civic Insurance Cost: Bottom Line
Honda Civic insurance costs less than average, making it an affordable choice for most drivers. You'll find even better rates by shopping multiple companies and claiming available discounts.
Honda Civic Insurance Rates: FAQ
What is the average cost of car insurance for a Honda Civic?
Honda Civic insurance costs average $990 annually for state minimum coverage and $1,911 for full coverage. This makes the Civic one of the more affordable vehicles to insure.
What company has the cheapest car insurance for a Honda Civic?
Geico provides the most affordable minimum coverage for Honda Civic owners at $670 annually. For full coverage, Geico remains the best value option at $1,446 per year.
Are Honda Civics expensive to insure?
No, Honda Civic insurance is not expensive compared to most vehicles. Among hatchbacks specifically, it places 34th out of 52 for affordability, sitting in the upper tier for cost within its category.
What factors affect insurance costs for Honda Civics?
Multiple factors affect Honda Civic insurance rates, though they remain relatively affordable compared to other vehicles. Your personal driving record and credit score impact premiums, along with your chosen coverage levels. The Civic's reliable safety ratings and lower repair costs help keep insurance expenses reasonable for most drivers.
How can I lower Honda Civic insurance costs?
Compare quotes from multiple insurers since Honda Civic costs differ between companies, and explore usage-based programs that monitor your driving behavior. Claim available discounts, bundle policies with the same carrier and maintain a clean driving record to secure better rates.
How We Determined Honda Civic Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold from 2000 to 2025 to determine the most accurate Honda Civic insurance costs.
Who We Based These Rates On
These Honda Civic prices reflect what a typical driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.