Honda Civic insurance costs average $83 monthly for minimum coverage and $159 per month for full coverage. But, depending on your particular trim and model year, costs can range from $60 for a 2001 Honda Civic to $344 monthly for a 2025 Honda Civic.
Honda Civic Insurance Cost
Updated: October 3, 2025
Key Takeaways
Honda Civic insurance costs range from $89 monthly for minimum coverage to $344 for comprehensive protection, with rates varying by trim level and model year.
The Honda Civic ranks 174th for insurance affordability among 827 vehicle models sold in the United States from 2000 through 2025.
GEICO provides the most affordable full coverage for Honda Civic drivers at $121 monthly, while minimum coverage starts at just $56 per month.
How Much Is Honda Civic Insurance?
| Honda Civic | $83 | $159 |
Honda Civic Insurance Cost by Model Year
Your Honda Civic's model year and available trims directly impact insurance rates, with newer models costing more due to higher replacement values. Monthly premiums for Honda Civics range from $70 for older models to $236 for the newest versions.
| 2025 | $122 | $236 |
| 2024 | $115 | $223 |
| 2023 | $107 | $208 |
| 2022 | $94 | $182 |
| 2021 | $95 | $183 |
| 2020 | $83 | $160 |
| 2019 | $85 | $164 |
| 2018 | $85 | $164 |
| 2017 | $83 | $160 |
| 2016 | $78 | $151 |
| 2015 | $80 | $154 |
| 2014 | $77 | $149 |
| 2013 | $78 | $151 |
| 2012 | $76 | $148 |
| 2011 | $76 | $146 |
| 2010 | $78 | $150 |
| 2009 | $75 | $145 |
| 2008 | $72 | $139 |
| 2007 | $71 | $137 |
| 2006 | $71 | $136 |
| 2005 | $70 | $134 |
| 2004 | $92 | $177 |
| 2003 | $87 | $167 |
| 2002 | $82 | $157 |
| 2001 | $75 | $143 |
| 2000 | $71 | $137 |
Honda Civic Insurance Cost by Trim
Your Honda Civic's trim affects insurance costs based on features, rarity and market value. Monthly premiums range from $63 for basic hatchback models to $338 for high-performance Type R trims. Performance-oriented trims with advanced features cost much more to insure than standard models.
| 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 |
Compare Personalized Honda Civic Insurance Costs
We've organized Honda Civic insurance costs by model year and trim for personalized estimates.
Data filtered by:
2000
Dx Coupe 2d
| Dx Coupe 2d | $62 | $120 |
Honda Civic Insurance Cost by Company
Honda Civic insurance costs vary by provider from $88 to $199 monthly. Minimum coverage ranges from $56 to $143, while full coverage costs $121 to $283. Rates vary due to different risk assessment models.
| 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 |
Honda Civic Insurance Cost by State
Honda Civic car insurance costs vary by location, ranging from $29 monthly in Wyoming to $165 monthly in Louisiana.
| 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 |
Honda Civic Insurance Cost by Driver Profile
Your driving profile, especially age and driving record, heavily impacts Honda Civic insurance costs. Monthly rates range from as low as $83 for adult drivers with clean records to as high as $402 for young drivers under 25, showing how demographics affect your premium.
| Adult Drivers | $83 | $159 |
| Young Drivers | $210 | $402 |
| Senior Drivers | $110 | $201 |
| Drivers With a Speeding Ticket | $103 | $200 |
| Drivers With an Accident | $122 | $233 |
| Drivers With a DUI | $152 | $290 |
| Drivers With Bad Credit | $195 | $392 |
Is a Honda Civic Expensive to Insure?
Compared to the rest of the models on the U.S. market, a Honda Civic ranks 174th out of 827, making it one of the less expensive cars to insure in the nation. Among compact coupes, the model ranks 11th out of 14.
| Subaru Impreza | $57 | $110 |
| Mitsubishi Mirage | $65 | $125 |
| Chevrolet Cavalier | $68 | $130 |
| Mitsubishi Eclipse | $70 | $135 |
| Saturn Astra | $71 | $136 |
| Pontiac Sunfire | $71 | $136 |
| Chevrolet Cobalt | $71 | $137 |
| Saturn Ion | $72 | $138 |
| Pontiac G5 | $74 | $143 |
| Honda CR-Z | $75 | $145 |
| Honda Civic | $78 | $150 |
| Hyundai Elantra | $86 | $165 |
| Ford Focus | $97 | $187 |
| Kia Forte | $107 | $205 |
Factors That Affect Honda Car Insurance Costs
Multiple factors affect what you'll pay for Honda Civic insurance coverage:
- Age (25 to 35 primary): Younger buyers often receive competitive rates due to the Civic's excellent safety record and low theft rates.
- Gender (55% male, 45% female): Balanced ownership reflects the vehicle's broad appeal across demographics.
- Income ($69,000 median): Middle-class buyers benefit from good credit scores and stable employment, leading to better insurance rates.
Average Repair or Replacement Costs
Honda ranks third in repair affordability among 59 U.S. automakers with median annual costs of $542. Honda Civic repair costs average $547 annually, placing it right around the average and one of the more affordable models to repair on the market.
Vehicle Trim, Features and Accessories
The Honda Civic offers diverse powertrains from 150 to 315 horsepower across trim levels, with 0 to 60 mph times ranging from 5.3 to 8.9 seconds. Entry-level LX and Sport trims use a 150-hp naturally aspirated engine, while hybrid models deliver 200 hp for improved performance.
Performance variants like the Si (200 hp) and Type R (315 hp) cost more to insure due to higher speeds and enthusiast appeal.
Fuel Type
Most Honda Civics run on regular unleaded gasoline (87 octane), keeping fuel costs low for daily driving. But, performance models like the Si and Type R require premium fuel (91+ octane) for optimal performance, while the hybrid models combine gasoline with electric motors for improved fuel economy.
The widespread availability of service and parts helps keep maintenance costs reasonable.
Location
Honda Civics are popular nationwide with strong concentrations in suburban areas (43% of owners) and urban centers (26%). The vehicle's compact size makes it ideal for city parking and commuting, while its reliability appeals to rural drivers (17%). Regional insurance rates vary based on local crime statistics, weather conditions and repair shop availability.
Driver Profile
Honda Civic drivers span diverse age groups but skew younger than other Honda models, with many first-time buyers and young professionals (25 to 35). The demographic shows balanced gender distribution (55% male, 45% female) with median household incomes around $69,000.
Driver demographics affect Honda Civic rates:
Cheapest Honda Civic Insurance Companies
GEICO offers the most affordable Civic car insurance with full coverage averaging $121 monthly. For drivers seeking basic protection, GEICO also provides the cheapest minimum coverage for Civic owners at $56 per month.
| GEICO | $56 | $121 |
| Travelers | $74 | $135 |
| State Farm | $76 | $158 |
| Progressive | $82 | $153 |
| The Hartford | $87 | $149 |
Cheapest Honda Civic Insurance by State
We found these are the top three cheapest car insurance providers at the state level for a Honda Civic:
- GEICO: Wins for affordability in 16 states
- Auto-Owners: Wins for affordability in seven states
- State Farm: Wins for affordability in six states
You can filter below to see who offers your Honda Civic's most affordable auto insurance rates.
Data filtered by:
Alabama
| Alabama | Cincinnati Insurance | $36 |
How to Get the Best Cheap Honda Civic Insurance
Below we explore Honda Civic car insurance discounts and smart ways to save:
- 1Choose the right coverage
Three things matter when choosing how much coverage to buy: what your Honda's worth, how much you drive and what you can afford to spend:
Tight budget (you own the car):
- Your state's minimum liability requirements
- Add comprehensive and collision with a $1,000 deductible
Want better protection (you own the car):
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
Financing or leasing:
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
- Gap insurance (most lenders require this)
*Coverage Limits Explained (100/300/100):
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage coverage
- 2Research costs and cheap companies
Researching average auto insurance costs for your car will let you know how much you're saving currently and with another provider. Then you can look for the cheapest car insurance companies.
- 3Look for more than just low rates
To get the most balanced car insurance for your Honda Civic, check forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings while comparing coverage limits and deductibles.
Some low-cost insurers have slower claim processing times or limited coverage options that can leave you underinsured in an accident.
- 4Explore discounts you qualify for
- Bundling/multi-policy discount (15% to 25%): Many Honda owners have household incomes over $100,000 and higher homeownership rates than the general population. Combining your Civic's auto insurance with homeowners or renters insurance can reduce both premiums if you own your home.
- Multi-vehicle discount (20% to 25%): Civic drivers frequently own multiple vehicles, making them prime candidates for multi-vehicle discounts. If you have more than one car in your household, bundling them under one policy saves you money.
- Good student discount (10% to 15%): The Honda Civic attracts younger buyers, with 43% of Civic purchasers born between 1977 and 1994, and another 36% from Gen Z. Students and young drivers who maintain at least a 3.0 GPA can qualify for good student discounts. Being named to the Honor Roll or Dean's List, or placing in the top 20% of your class, can secure additional savings.
- Safety features discount (5% to 15%): Your Honda Civic comes standard with the Honda Sensing suite of safety and driver-assistive technologies, including collision mitigation braking, adaptive cruise control, lane keeping assist and road departure mitigation. The 2025 Civic Sedan earned the IIHS Top Safety Pick+ award, the highest safety rating available.
- Good driver/safe driver discount (10% to 15%): Maintaining a clean driving record is one of the most effective ways to save on Civic insurance. Honda owners aged 35 to 54 represent a significant portion of Civic buyers, and this mature demographic typically maintains cleaner driving records. If you haven't had accidents or moving violations in the past three to five years, you'll qualify for good driver discounts.
- 5Consider alternative car insurance types
Honda Civic owners should consider Honda Insurance (where available) for vehicle-specific coverage and competitive rates, or usage-based insurance or programs like State Farm's Drive Safe & Save that reward safe driving habits with lower premiums.
- 6Check rates every year
Comparing car insurance quotes from multiple sources can cut your Honda Civic premiums by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.
Honda Civic Insurance Cost: Bottom Line
Insuring a Honda Civic costs less than average, so finding decent rates isn't too hard. Still, shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.
Honda Civic Insurance Rates: FAQ
Here are answers to common questions about insuring a Honda Civic.
What is the average cost of car insurance for a Honda Civic?
The Honda Civic's average annual insurance cost is $990 yearly for state minimum and $1,911 for full coverage.
What company has the cheapest car insurance for a Honda Civic?
GEICO offers the cheapest minimum coverage auto insurance for a Honda Civic, with an annual minimum coverage rate of $672. For those looking for full coverage policies, GEICO is also the most cost-effective option at $1,452 per year.
Are Honda Civics expensive to insure?
No, Honda Civic insurance costs less than most cars. Out of 827 vehicles we track, the Civic ranks 174th for affordability. Among compact sedans, this model sits at 11th out of 14.
What factors affect insurance costs for Honda Civics?
Several factors drive up your Honda Civic rates. Your driving record and credit score, plus the coverage you pick, play a big role in insurance costs. Where you live affects rates, too. Areas with more theft or weather risks will mean higher car insurance.
How can I lower Honda Civic insurance costs?
Shop around with multiple insurers, as rates vary for Honda, and consider usage-based insurance programs that track your driving habits. Take advantage of Honda's safety features when discussing discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined Honda Civic Insurance Costs
We studied hundreds of millions of quote estimates across all car models sold in the U.S. from 2000 to 2025 to get you 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. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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.