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


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ByMark Fitzpatrick
Edited byJonathan Ramos
ByMark Fitzpatrick
Edited byJonathan Ramos

Updated: May 20, 2024

Advertising & Editorial Disclosure

Age significantly impacts the cost of car insurance for the Honda Civic. For a 2009 model, a 16-year-old driver will spend an average of $6,027 per year, while a 40-year-old driver would pay around $1,310 per year. In the case of a 2022 model, insurance costs for a 16-year-old and a 40-year-old are estimated at approximately $7,079 and $1,574 per year, respectively.

If you’re looking for a balance between affordability and service quality, MoneyGeek also found the best car insurance companies for the Honda Civic.

MoneyGeek Logo IconCar Insurance CostsHonda Civic
2024

Why Trust MoneyGeek? We collected thousands of car insurance quotes from Quadrant Information Services to analyze average rates for a Honda Civic.

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These rates were updated to reflect the average cost of car insurance for a Honda Civic as of 2023.

10Companies Compared
 
41,382Quotes Analyzed

Average Cost and Cheapest Companies for Insuring a Honda Civic

Insuring a Honda Civic costs an average of $1,482 per year, but your actual rate may vary depending on your insurance provider. For instance, State Farm offers the cheapest full coverage policy at $1,100 per year, while Farmers has the highest annual rate at $1,773.

If you opt for minimum coverage, State Farm also has the most affordable policy at $490 per year, while Farmers is still the most expensive, charging $798 per year. As always, we recommend comparing rates to find the cheapest car insurance.

Data filtered by:Results filtered by:
Age:
Age:40
Coverage:
Coverage:Full Coverage
State FarmAverage Annual Premium$1,100
GEICOAverage Annual Premium$1,163
TravelersAverage Annual Premium$1,458
AllstateAverage Annual Premium$1,484
ProgressiveAverage Annual Premium$1,529
NationwideAverage Annual Premium$1,575
FarmersAverage Annual Premium$1,773

Is a Honda Civic Expensive to Insure?

Insurance companies evaluate several factors to determine policy rates for the Honda Civic, which has an MSRP of $23,645 for 2022 model years. Considering the vehicle's price, insurers may adjust premiums to cover potential repair costs in the event of an accident. Consequently, the Honda Civic generally entails moderately priced insurance rates, balancing affordability and comprehensive coverage.

Best Companies for Insuring a Honda Civic

While cost is important, you should look into factors like customer satisfaction and claims management when shopping for Honda Civic insurance. MoneyGeek found that the best car insurance companies for this make and model are:

  • State Farm: MoneyGeek score of 90 out of 100 ($1,100 per year)
  • GEICO: MoneyGeek score of 89 out of 100 ($1,163 per year)

State Farm received the highest ranking among the seven insurers in our study due to its exceptional customer satisfaction score and competitive rates.

MoneyGeek Top Pick: State Farm

State Farm

pros

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Ranked first for affordability, charging $1,100 per year

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Above-average customer satisfaction rating

cons

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Doesn’t offer gap insurance or original equipment manufacturer (OEM) coverage

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Poor claims management score

COMPANY HIGHLIGHTS

MoneyGeek determined that State Farm provides the best Honda Civic insurance. This insurer is our top pick for combining affordable premiums with excellent customer service. Its add-on coverages may be limited, but the available options can benefit most drivers.

With State Farm, you can supplement your auto insurance policy with roadside assistance. This basic coverage can assist in getting your Honda Civic back on the road in case of vehicle issues. It covers the costs of mechanical labor, towing, locksmith services, tire changes and the delivery of gas, oil or batteries.

State Farm also offers rental car and travel reimbursement, which covers the cost of a rental up to a specified limit and up to $500 in travel expenses, including meals, accommodation and transportation. If you get into an accident while driving a rental car, State Farm will cover up to $500 of your deductible.

Read MoneyGeek's State Farm Auto Insurance Review

MoneyGeek Runner-Up: GEICO

GEICO

pros

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Offers the second-cheapest at $1,163 annually

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Provides excellent customer service

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Offers valuable add-on options like mechanical breakdown insurance (MBI)

cons

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Doesn’t provide original equipment manufacturer (OEM) coverage

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Below-average claims management rating

COMPANY HIGHLIGHTS

As our runner-up, GEICO offers excellent customer service at an affordable rate. It also provides unique optional coverages to protect your Honda Civic, including mechanical breakdown insurance (MBI).

By adding MBI to your auto insurance policy, GEICO will cover all of your vehicle's parts and systems — even those not included in the standard list of items under most dealer warranties. You can purchase this add-on coverage if your Honda Civic is less than 15 months old and has fewer than 15,000 miles on its odometer.

GEICO also offers accident forgiveness, a useful feature if you're involved in an accident. It ensures that your rates will not increase after your first at-fault accident. This can be bought as an add-on or earned through safe driving. However, accident forgiveness is unavailable in California, Connecticut and Massachusetts.

Read MoneyGeek's GEICO Auto Insurance Review

Cost of Insuring a Honda Civic by Model Year

The average cost of car insurance for the Honda Civic can vary based on the vehicle's age. For example, a full coverage policy for a 2009 model will cost around $1,310 per year, while the same policy will cost $1,574 per year for a 2022 model. A car's value depreciates as it ages, making older models cheaper to insure.

Data filtered by:Results filtered by:
Age:
Age:40
Coverage:
Coverage:Full Coverage
2022Average Annual Premium$1,574
2021Average Annual Premium$1,554
2020Average Annual Premium$1,507
2019Average Annual Premium$1,517
2018Average Annual Premium$1,501
2017Average Annual Premium$1,443
2016Average Annual Premium$1,441
2015Average Annual Premium$1,413
2014Average Annual Premium$1,360
2013Average Annual Premium$1,364
2012Average Annual Premium$1,342
2011Average Annual Premium$1,302
2010Average Annual Premium$1,319
2009Average Annual Premium$1,310

Your car insurance rates depend on your chosen provider. Based on our analysis, State Farm is the cheapest auto insurer for the Honda Civic, whether it's a 2009 or a 2022 model. An average full coverage policy for these model years will cost $1,017 and $1,244 per year, respectively.

Data filtered by:Results filtered by:
Model Year:
Model Year:2022
Age:
Age:40
Coverage:
Coverage:Full Coverage
State FarmAverage Annual Premium$1,244
GEICOAverage Annual Premium$1,255
TravelersAverage Annual Premium$1,548
ProgressiveAverage Annual Premium$1,574
NationwideAverage Annual Premium$1,584
AllstateAverage Annual Premium$1,770
FarmersAverage Annual Premium$2,058

Cost of Insuring a Honda Civic for 16- to 25-Year-Olds

Teens often face higher insurance rates because they lack experience on the road, compared to drivers in their 30s or older. For instance, a 16-year-old teen driving a Honda Civic will pay roughly $6,521 per year for full coverage, whereas a 40-year-old driver will only spend an annual average of $1,425. Fortunately, car insurance for teens becomes more affordable as the driver ages into their 20s.

Data filtered by:Results filtered by:
Coverage:
Coverage:Full Coverage
16Average Annual Premium$6,521
17Average Annual Premium$5,300
18Average Annual Premium$4,662
19Average Annual Premium$3,233
20Average Annual Premium$2,928
21Average Annual Premium$2,250
22Average Annual Premium$2,082
23Average Annual Premium$1,937
24Average Annual Premium$1,841
25Average Annual Premium$1,659

Rates for teen drivers with individual policies are typically higher compared to those who are added to family policies. State Farm provides the most affordable insurance, with an average cost of $3,987 per year, while Farmers offers the most expensive policy, at around $10,307 per year.

These rates are for 16-year-old drivers buying their own full coverage policy. We advise comparing quotes from at least three providers to maximize your savings.

Data filtered by:Results filtered by:
Age:
Age:16
Model Year:
Model Year:2022
Coverage:
Coverage:Full Coverage
State FarmAverage Annual Premium$3,987
GEICOAverage Annual Premium$5,814
TravelersAverage Annual Premium$6,106
NationwideAverage Annual Premium$6,333
AllstateAverage Annual Premium$8,223
ProgressiveAverage Annual Premium$8,291
FarmersAverage Annual Premium$10,307

How Does Location Affect the Cost of Honda Civic Insurance?

Your location and vehicle's make and model year will impact how much you'll pay for auto insurance. According to our data, Idaho has the lowest insurance rates, averaging $299 per year, while Florida has the most expensive at $1,058. You can find the most affordable provider in your state by comparing quotes.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
AlabamaCheapest CompanyNationwideAnnual Premium$709Monthly Premium$59
AlaskaCheapest CompanyState FarmAnnual Premium$699Monthly Premium$58
ArizonaCheapest CompanyRoot Insurance CompanyAnnual Premium$682Monthly Premium$57
ArkansasCheapest CompanyState FarmAnnual Premium$629Monthly Premium$52
CaliforniaCheapest CompanyAAA CaliforniaAnnual Premium$1,001Monthly Premium$83
ColoradoCheapest CompanyAmerican National P&CAnnual Premium$541Monthly Premium$45
ConnecticutCheapest CompanyGEICOAnnual Premium$693Monthly Premium$58
DelawareCheapest CompanyState FarmAnnual Premium$881Monthly Premium$73

Frequently Asked Questions About Honda Civic Insurance

When shopping for Honda Civic insurance, you might have questions regarding affordability and service quality. We addressed some of those concerns below.

What company has the cheapest car insurance for a Honda Civic?
What company offers the best car insurance for a Honda Civic?

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.