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: November 16, 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 |
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:
How to Lower the Cost of Honda Civic Insurance
Below we explore Honda Civic car insurance discounts and smart ways to save:
- 1Choose the right coverage
You'll need to determine how much coverage to buy for your Civic. If you own your Honda, you can purchase your state's minimum liability requirements and add comprehensive and collision with a $1,000 deductible to reduce costs. If you want better protection, consider 100/300/100 liability coverage with comprehensive and collision at a $500 deductible. If you're financing or leasing, your lender requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, and gap insurance.
- 22. Research costs and cheap companies
Learn what others pay by researching average auto insurance costs for compact cars. This information helps identify competitive rates when comparing the cheapest car insurance companies.
- 33. Look for more than just low rates
Finding reliable car insurance requires evaluating companies beyond price. Check J.D. Power ratings, read forum posts about claims handling, review Better Business Bureau records and verify AM Best financial strength. Cheap insurers may cut corners on service or coverage quality.
- 4Explore discounts you qualify for
Search for car insurance discounts available to you. Honda Civic owners frequently qualify for good student discounts, safety features discounts, bundling discounts, good driver discounts and anti-theft discounts.
- 5Consider alternative car insurance types
Honda Civic owners should consider usage-based insurance or GEICO DriveEasy that reward safe driving with lower premiums.
- 6Check rates every year
Request car insurance quotes annually from multiple insurers. Rates shift constantly, and annual comparisons can lower your Honda Civic insurance by up to 24%.
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.