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

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.

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.

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.

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.

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.

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.

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.

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.

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.

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