Compare the Cost of Honda Civic Insurance by Model Year and Company

MoneyGeek reports that the average Honda Civic insurance cost is $1,311 per year. This is relatively inexpensive compared to insuring luxury models such as Teslas and BMWs. Prices can change depending on your model year and provider. You should try to compare quotes from multiple companies to find the cheapest deals.

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To reduce your Honda Civic insurance rates, you should shop around to find the best prices available. Not only will different companies quote varying costs depending on the type of car you drive, but rates can also change based on your model year.

Key Takeaways

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On average, the Honda Civic insurance cost is $1,311 per year compared to roughly $1,428 for the other car models. The Honda Civic is fairly inexpensive to insure.

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Honda Civic insurance rates can change by as much as $867 per year based on the provider. It pays to shop around.

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Insurance quotes are generally cheaper for older models. Honda Civic insurance quotes can vary by as much as $323 per year depending on the age of your car.

How Much It Costs to Insure a Honda Civic and the Cheapest Company

Your insurance company has a big impact on your Honda Civic insurance cost. The average price to insure this model is $1,311 per year. There is a difference of $867 per year between the cheapest and most expensive providers.

USAA offers the cheapest car insurance for a Honda Civic. But it serves only current and former military members and their families. The next lowest option is GEICO, at $1,063 annually on average.

The Average Annual Cost of Honda Civic Insurance by Company

MoneyGeek evaluated car insurance rates from different providers using a sample driver profile. The sample driver has 100/300/100 liability insurance with comprehensive and collision coverage.

The Average Cost to Insure a Honda Civic by Company

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Is a Honda Civic Expensive to Insure?

When calculating insurance costs, companies use multiple factors to determine rates. These can include a car model’s retail price, horsepower, theft rates and more.

The Honda Civic is a low-value car that is not expensive to repair. It also has low horsepower and is less likely to get into major accidents, making it less risky to insure. For these reasons, Honda Civic insurance rates are inexpensive compared to luxury car models.

The Best Car Insurance Company for a Honda Civic

You should evaluate more than just affordability when shopping for car insurance. Focusing on other factors like quality of customer support and financial stability can help when selecting a provider.

MoneyGeek ranked the best car insurance companies for a Honda Civic based on parameters such as customer satisfaction, number of complaints, financial stability and affordability. The rankings show that:

  • USAA is the best insurance provider for the Honda Civic, but it is only available to military members and their families.
  • The next best insurer is GEICO.

1
USAA
Score:99

5/5

Affordability

4.5/5

Claims Ratings

5/5

User Satisfaction

5/5

Financial Stability

2
GEICO
Score:88

4.8/5

Affordability

3.5/5

Claims Ratings

3/5

User Satisfaction

5/5

Financial Stability

3
State Farm
Score:82

4.2/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

5/5

Financial Stability

4
Progressive
Score:82

4.3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

4.5/5

Financial Stability

5
Allstate
Score:69

3/5

Affordability

4.5/5

Claims Ratings

3/5

User Satisfaction

4.5/5

Financial Stability

How Much It Costs to Insure a Honda Civic by Model Year

It’s generally less expensive to insure older versions of a car. This is because comprehensive and collision insurance becomes cheaper as a car’s value declines.

Car insurance costs an average of $1,091 annually for a 2005 Honda Civic and $1,414 for a 2020 model. That’s a difference of $323 per year.

Different providers may offer lower prices depending on the model year. USAA offers the most affordable average car insurance rates for a 2020 Honda Civic at $1,018 yearly.

You can compare the rates of different companies for your model year below.

The Average Cost to Insure a Honda Civic by Model Year

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  • Company
    Average Annual Rates (2020 model)
    Average Annual Rates (2019 model)
    Average Annual Rates (2018 model)
    Average Annual Rates (2017 model)
    Average Annual Rates (2016 model)
    Average Annual Rates (2010 model)
    Average Annual Rates (2005 model)
  • 1.
    $1,018
    $1,035
    $1,062
    $1,015
    $1,083
    $972
    $880
  • 2.
    $1,159
    $1,133
    $1,103
    $1,076
    $1,054
    $988
    $926
  • 3.
    $1,300
    $1,298
    $1,298
    $1,284
    $1,263
    $1,196
    $960
  • 4.
    $1,352
    $1,329
    $1,332
    $1,314
    $1,238
    $1,234
    $1,050
  • 5.
    $1,602
    $1,590
    $1,642
    $1,617
    $1,634
    $1,552
    $1,420

How Expensive Is It to Insure a Honda Civic Compared to Other Cars?

The Honda Civic insurance cost is relatively inexpensive at $1,311 per year on average. This rate is $117 less than the average insurance price of $1,428 across all car models considered in MoneyGeek’s analysis.

How Much It Costs to Insure a Honda Civic for 16- to 25-Year-Olds

Insurers consider young drivers inexperienced and therefore riskier to cover. For this reason, teen drivers need to pay much higher car insurance rates.

To insure a Honda Civic, an 18-year-old driver pays $4,278 per year on average compared to $1,311 for a 40-year-old driver.

Teens and their parents can save money by sharing a car insurance policy. Otherwise, it can be expensive for a teen driver to get their own coverage.

You can view car insurance costs for young drivers ages 16 to 25 using the data below.

The Average Cost to Insure a Honda Civic by Driver Age

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  • Age
    Average Annual Rates
  • 16
    $5,485
  • 17
    $4,859
  • 18
    $4,278
  • 19
    $3,064
  • 20
    $2,735
  • 21
    $2,165
  • 22
    $1,994
  • 23
    $1,825
  • 24
    $1,713
  • 25
    $1,554
  • 40
    $1,311

How Does Location Affect the Cost of Honda Civic Insurance?

The premiums listed are a national average, but where you live can significantly impact your car insurance rates. Users can learn more about car insurance costs in individual states with MoneyGeek’s state page analysis.

FAQs About Honda Civic Insurance

The model of your car and its age are two factors that impact your car insurance premiums. MoneyGeek answers frequently asked questions about Honda Civic insurance quotes and coverages to help consumers make an informed buying decision.

Read More About Car Insurance

Methodology

MoneyGeek evaluated thousands of insurance rates for a Honda Civic across all available model years. The prices are for a full coverage policy with:

  • $100,000 in bodily injury liability insurance per person
  • $300,000 in bodily injury liability insurance per accident
  • $100,000 in property damage liability insurance per accident
  • Comprehensive and collision insurance with a $1,000 deductible

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.