Insurance premiums for a Honda Civic average $159 monthly for full coverage and $83 for minimum coverage. Depending on your particular trim and model year, costs can range from $63 to $338 monthly.
Honda Civic Insurance Cost
Key Takeaways
GEICO offers the most affordable Honda Civic insurance on average, though full coverage costs vary widely by model year and insurer. You'll pay around $180 monthly for comprehensive protection. Read more
Among hatchbacks, the Civic ranks 34th out of 52 for insurance affordability, placing it in the middle tier for its vehicle type. Hatchbacks cost less to insure than other cars due to their smaller size and solid safety ratings. Read more
Your Civic's specific model year makes a big difference in insurance costs, especially if you're adding a teen driver to your policy. Read MoneyGeek's analysis of rates by company for specific Civic model years, depending on the age of the drivers
How Much Is Honda Civic Insurance?
| Honda Civic | $83 | $159 |
Looking for another Honda model? Read more about the cost of Honda car insurance models.
Model year has a direct effect on your Civic premium. Older models start around $70 a month as depreciation brings the vehicle value down. The latest models cost around $236 a month because the replacement value is higher.
Model year and insurer both shape what you pay. Full coverage for the Civic costs $121 a month with GEICO and $283 with AIG. Minimum coverage costs $56 with GEICO and $143 with UAIC. That's a gap of more than $87 on minimum and more than $162 on full coverage. Each company prices Civic risk differently, so the same driver can get a very different quote depending on where they look.
| 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 |
Is Honda Civic Expensive to Insure?
The Honda Civic ranks 34th out of 52 hatchbacks for insurance affordability in MoneyGeek's analysis. Across all vehicle types, it sits 174th out of 827 — putting it in the top 25% most affordable vehicles to insure.
| Volkswagen Golf | $134 | 31 |
| Lexus IS | $134 | 32 |
| Ford Fiesta | $134 | 32 |
| Acura Integra | $137 | 33 |
| Honda Civic | $137 | 34 |
| Hyundai Veloster | $138 | 35 |
| Fiat 500 | $141 | 36 |
| Toyota Corolla | $147 | 37 |
Several factors affect what you'll pay for Civic coverage.
- Average Repair or Replacement Costs: Honda Civic maintenance averages $547 per year, which is third-lowest among 18 Honda models. Lower repair costs translate to lower comprehensive and collision premiums.
- Vehicle Trim, Features and Accessories: Civic horsepower ranges from 158 to 306 depending on trim. Higher-output trims carry higher premiums.
- Driver Profile: The median Civic owner is around 30, within the 25 to 34 age bracket. Younger drivers in that range pay more, and the model's performance reputation correlates with higher-risk driving behavior. Read more about the costs of Honda Civics for young drivers.
Honda Civic Costs by Model Year and Driver Age by Insurance Company
Model year and driver age impact your Honda Civic insurance costs. A 35- to 55-year-old driver pays around $170 monthly for full coverage on a 2016 Civic compared to $273 for a 2025 model, showing how newer vehicles have higher premiums. Young drivers in their teens and early twenties face even steeper rates across all model years.
GEICO offers the lowest rates across all Honda Civic model years and could save certain drivers hundreds of dollars per month.Â
Older models (2016 to 2020):
Cost of Car Insurance for 2025 Honda Civic
| Geico | $85 | $184 |
| Progressive | $106 | $199 |
| National General | $108 | $221 |
| Kemper | $112 | $225 |
| State Farm | $114 | $238 |
| Travelers | $114 | $210 |
| Nationwide | $137 | $237 |
| The Hartford | $138 | $235 |
| AAA | $141 | $293 |
| Allstate | $147 | $285 |
| Amica | $163 | $336 |
| AIG | $186 | $470 |
| Chubb | $190 | $379 |
| UAIC | $193 | $244 |
| Farmers | $195 | $346 |
2025 Honda Civic Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $893 | $786 | $695 | $601 | $530 | $451 | $410 | $366 | $334 | $295 |
| Geico | $1,041 | $759 | $637 | $463 | $399 | $322 | $296 | $245 | $232 | $211 |
| Nationwide | $1,075 | $985 | $907 | $769 | $650 | $421 | $391 | $364 | $344 | $308 |
| Travelers | $1,239 | $896 | $707 | $546 | $481 | $358 | $327 | $302 | $279 | $242 |
| Allstate | $1,352 | $1,059 | $856 | $633 | $567 | $442 | $401 | $379 | $358 | $317 |
| Progressive | $1,439 | $1,163 | $965 | $537 | $469 | $379 | $338 | $301 | $277 | $238 |
| Farmers | $2,181 | $1,612 | $1,434 | $883 | $832 | $632 | $564 | $539 | $513 | $431 |
Cost of Car Insurance for 2024 Honda Civic
| Geico | $80 | $174 |
| Progressive | $101 | $188 |
| National General | $102 | $210 |
| Kemper | $106 | $213 |
| State Farm | $108 | $225 |
| Travelers | $108 | $199 |
| Nationwide | $130 | $224 |
| The Hartford | $130 | $222 |
| AAA | $134 | $278 |
| Allstate | $140 | $270 |
| Amica | $155 | $318 |
| AIG | $176 | $445 |
| Chubb | $180 | $359 |
| UAIC | $183 | $231 |
| Farmers | $185 | $327 |
2024 Honda Civic Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $846 | $744 | $658 | $569 | $502 | $427 | $388 | $346 | $317 | $279 |
| Geico | $985 | $719 | $603 | $438 | $377 | $305 | $281 | $232 | $220 | $200 |
| Nationwide | $1,017 | $932 | $858 | $728 | $615 | $399 | $370 | $345 | $326 | $292 |
| Travelers | $1,173 | $848 | $670 | $517 | $456 | $339 | $310 | $286 | $264 | $229 |
| Allstate | $1,280 | $1,002 | $810 | $599 | $537 | $419 | $380 | $359 | $339 | $300 |
| Progressive | $1,362 | $1,101 | $913 | $508 | $444 | $358 | $320 | $285 | $263 | $226 |
| Farmers | $2,064 | $1,526 | $1,357 | $836 | $788 | $598 | $534 | $510 | $485 | $408 |
Cost of Car Insurance for 2023 Honda Civic
| Geico | $75 | $162 |
| Progressive | $94 | $176 |
| National General | $95 | $196 |
| Kemper | $99 | $199 |
| State Farm | $101 | $210 |
| Travelers | $101 | $186 |
| Nationwide | $121 | $209 |
| The Hartford | $122 | $207 |
| AAA | $125 | $259 |
| Allstate | $130 | $252 |
| Amica | $144 | $296 |
| AIG | $164 | $415 |
| Chubb | $168 | $335 |
| UAIC | $171 | $216 |
| Farmers | $172 | $306 |
2023 Honda Civic Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $789 | $695 | $614 | $531 | $469 | $398 | $362 | $323 | $296 | $260 |
| Geico | $920 | $671 | $563 | $409 | $352 | $284 | $262 | $217 | $205 | $186 |
| Nationwide | $950 | $870 | $801 | $680 | $574 | $372 | $345 | $322 | $304 | $272 |
| Travelers | $1,095 | $791 | $625 | $483 | $425 | $316 | $289 | $267 | $246 | $214 |
| Allstate | $1,195 | $936 | $756 | $559 | $501 | $391 | $355 | $335 | $316 | $280 |
| Progressive | $1,272 | $1,027 | $853 | $474 | $414 | $335 | $298 | $266 | $245 | $211 |
| Farmers | $1,927 | $1,425 | $1,267 | $780 | $735 | $558 | $499 | $476 | $453 | $380 |
Cost of Car Insurance for 2022 Honda Civic
| Geico | $65 | $142 |
| Progressive | $82 | $153 |
| National General | $83 | $171 |
| Kemper | $86 | $174 |
| State Farm | $88 | $183 |
| Travelers | $88 | $162 |
| Nationwide | $106 | $182 |
| The Hartford | $106 | $181 |
| AAA | $109 | $226 |
| Allstate | $114 | $220 |
| Amica | $126 | $259 |
| AIG | $143 | $362 |
| Chubb | $147 | $292 |
| UAIC | $149 | $188 |
| Farmers | $150 | $266 |
2022 Honda Civic Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $689 | $606 | $536 | $463 | $409 | $347 | $316 | $282 | $258 | $227 |
| Geico | $802 | $585 | $491 | $357 | $307 | $248 | $228 | $189 | $179 | $162 |
| Nationwide | $828 | $759 | $699 | $593 | $501 | $325 | $301 | $281 | $265 | $237 |
| Travelers | $955 | $690 | $545 | $421 | $371 | $276 | $252 | $233 | $215 | $186 |
| Allstate | $1,042 | $816 | $659 | $488 | $437 | $341 | $309 | $292 | $276 | $244 |
| Progressive | $1,109 | $896 | $744 | $413 | $361 | $292 | $260 | $232 | $214 | $184 |
| Farmers | $1,680 | $1,242 | $1,105 | $680 | $641 | $487 | $435 | $415 | $395 | $332 |
Cost of Car Insurance for 2021 Honda Civic
| Geico | $66 | $143 |
| Progressive | $83 | $155 |
| National General | $84 | $172 |
| Kemper | $87 | $175 |
| State Farm | $89 | $185 |
| Travelers | $89 | $163 |
| Nationwide | $107 | $184 |
| The Hartford | $107 | $182 |
| AAA | $110 | $228 |
| Allstate | $115 | $222 |
| Amica | $127 | $261 |
| AIG | $144 | $366 |
| Chubb | $148 | $295 |
| UAIC | $150 | $190 |
| Farmers | $152 | $269 |
2021 Honda Civic Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $695 | $611 | $541 | $467 | $412 | $351 | $319 | $284 | $260 | $229 |
| Geico | $809 | $590 | $495 | $360 | $310 | $250 | $231 | $191 | $180 | $164 |
| Nationwide | $836 | $766 | $705 | $598 | $505 | $328 | $304 | $283 | $268 | $239 |
| Travelers | $964 | $696 | $550 | $425 | $374 | $278 | $254 | $235 | $217 | $188 |
| Allstate | $1,051 | $823 | $665 | $492 | $441 | $344 | $312 | $295 | $278 | $246 |
| Progressive | $1,119 | $904 | $750 | $417 | $364 | $294 | $263 | $234 | $216 | $185 |
| Farmers | $1,696 | $1,254 | $1,115 | $686 | $647 | $491 | $439 | $419 | $399 | $335 |
Cost of Car Insurance for 2020 Honda Civic
| Geico | $55 | $120 |
| National General | $68 | $139 |
| Travelers | $68 | $126 |
| Progressive | $81 | $152 |
| State Farm | $82 | $172 |
| Kemper | $85 | $173 |
| The Hartford | $87 | $148 |
| AAA | $92 | $190 |
| Nationwide | $93 | $160 |
| Amica | $105 | $216 |
| Allstate | $106 | $205 |
| Chubb | $109 | $216 |
| AIG | $113 | $277 |
| Farmers | $123 | $215 |
| UAIC | $137 | $171 |
2020 Honda Civic Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $645 | $568 | $502 | $434 | $383 | $326 | $296 | $264 | $241 | $213 |
| Geico | $680 | $495 | $416 | $301 | $260 | $209 | $193 | $160 | $151 | $137 |
| Nationwide | $727 | $665 | $613 | $520 | $439 | $285 | $264 | $246 | $233 | $208 |
| Travelers | $753 | $542 | $428 | $330 | $291 | $215 | $196 | $181 | $167 | $145 |
| Allstate | $980 | $767 | $618 | $456 | $409 | $318 | $289 | $273 | $257 | $228 |
| Progressive | $1,105 | $890 | $738 | $410 | $358 | $289 | $258 | $230 | $212 | $182 |
| Farmers | $1,327 | $983 | $877 | $549 | $519 | $397 | $353 | $338 | $321 | $270 |
Cost of Car Insurance for 2019 Honda Civic
| Geico | $55 | $119 |
| National General | $67 | $137 |
| Travelers | $70 | $128 |
| Progressive | $82 | $154 |
| State Farm | $85 | $176 |
| The Hartford | $91 | $155 |
| AAA | $95 | $196 |
| Kemper | $96 | $196 |
| Nationwide | $103 | $177 |
| Amica | $104 | $213 |
| Allstate | $105 | $203 |
| Chubb | $108 | $214 |
| AIG | $117 | $287 |
| Farmers | $126 | $222 |
| UAIC | $141 | $176 |
2019 Honda Civic Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $663 | $583 | $516 | $446 | $393 | $334 | $304 | $271 | $248 | $218 |
| Geico | $675 | $492 | $413 | $300 | $258 | $208 | $192 | $159 | $150 | $137 |
| Travelers | $772 | $554 | $437 | $337 | $297 | $219 | $200 | $184 | $170 | $148 |
| Nationwide | $807 | $739 | $681 | $577 | $488 | $316 | $293 | $273 | $258 | $231 |
| Allstate | $973 | $762 | $614 | $452 | $405 | $316 | $287 | $271 | $255 | $226 |
| Progressive | $1,121 | $903 | $748 | $416 | $363 | $294 | $262 | $233 | $215 | $184 |
| Farmers | $1,369 | $1,013 | $903 | $564 | $533 | $406 | $362 | $346 | $329 | $277 |
Cost of Car Insurance for 2018 Honda Civic
| Geico | $54 | $117 |
| National General | $66 | $135 |
| Travelers | $73 | $133 |
| Progressive | $77 | $143 |
| State Farm | $86 | $178 |
| Kemper | $95 | $193 |
| The Hartford | $96 | $164 |
| AAA | $96 | $200 |
| Allstate | $100 | $194 |
| Amica | $103 | $211 |
| Chubb | $108 | $214 |
| Nationwide | $112 | $193 |
| AIG | $120 | $297 |
| Farmers | $128 | $227 |
| UAIC | $143 | $180 |
2018 Honda Civic Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Geico | $660 | $481 | $403 | $292 | $252 | $204 | $188 | $155 | $147 | $134 |
| State Farm | $672 | $591 | $523 | $452 | $398 | $339 | $308 | $275 | $251 | $221 |
| Travelers | $800 | $573 | $451 | $348 | $306 | $226 | $207 | $191 | $176 | $153 |
| Nationwide | $880 | $806 | $743 | $630 | $532 | $345 | $320 | $298 | $281 | $252 |
| Allstate | $927 | $727 | $585 | $431 | $386 | $301 | $274 | $258 | $244 | $215 |
| Progressive | $1,042 | $840 | $696 | $388 | $338 | $273 | $244 | $217 | $200 | $172 |
| Farmers | $1,414 | $1,045 | $930 | $577 | $544 | $413 | $369 | $353 | $336 | $282 |
Cost of Car Insurance for 2017 Honda Civic
| Geico | $53 | $114 |
| National General | $64 | $132 |
| Travelers | $72 | $131 |
| Progressive | $74 | $138 |
| State Farm | $84 | $174 |
| Kemper | $90 | $181 |
| AAA | $95 | $197 |
| The Hartford | $96 | $164 |
| Allstate | $98 | $189 |
| Amica | $101 | $206 |
| Chubb | $105 | $208 |
| Nationwide | $113 | $194 |
| AIG | $118 | $292 |
| Farmers | $126 | $223 |
| UAIC | $141 | $177 |
2017 Honda Civic Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Geico | $646 | $470 | $395 | $286 | $247 | $199 | $183 | $152 | $144 | $131 |
| State Farm | $656 | $577 | $510 | $441 | $389 | $331 | $300 | $268 | $245 | $216 |
| Travelers | $793 | $568 | $447 | $344 | $303 | $224 | $204 | $188 | $174 | $151 |
| Nationwide | $885 | $810 | $747 | $634 | $535 | $347 | $321 | $299 | $283 | $253 |
| Allstate | $901 | $706 | $568 | $419 | $375 | $293 | $266 | $251 | $237 | $209 |
| Progressive | $1,004 | $809 | $670 | $374 | $326 | $263 | $235 | $209 | $193 | $165 |
| Farmers | $1,390 | $1,028 | $915 | $567 | $535 | $406 | $363 | $346 | $330 | $277 |
Cost of Car Insurance for 2016 Honda Civic
| Geico | $51 | $109 |
| National General | $59 | $121 |
| Travelers | $69 | $126 |
| Progressive | $74 | $137 |
| State Farm | $77 | $159 |
| Kemper | $84 | $170 |
| AAA | $89 | $184 |
| The Hartford | $91 | $154 |
| Amica | $93 | $189 |
| Allstate | $94 | $181 |
| Chubb | $99 | $195 |
| Nationwide | $101 | $174 |
| AIG | $112 | $276 |
| Farmers | $117 | $206 |
| UAIC | $133 | $166 |
2016 Honda Civic Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $599 | $527 | $466 | $403 | $355 | $302 | $274 | $245 | $224 | $197 |
| Geico | $616 | $449 | $377 | $273 | $236 | $190 | $175 | $145 | $137 | $125 |
| Travelers | $756 | $543 | $428 | $330 | $290 | $215 | $196 | $181 | $167 | $145 |
| Nationwide | $793 | $726 | $669 | $567 | $479 | $310 | $288 | $268 | $253 | $227 |
| Allstate | $868 | $680 | $547 | $402 | $360 | $281 | $255 | $241 | $227 | $201 |
| Progressive | $1,001 | $806 | $668 | $372 | $325 | $262 | $234 | $208 | $192 | $165 |
| Farmers | $1,280 | $947 | $844 | $523 | $493 | $374 | $335 | $320 | $304 | $256 |
Honda Civic Insurance Cost by Trim
Civic insurance costs vary widely by trim. The DX Hatchback starts at $63 a month for minimum coverage. The Type R tops out at $338 for full coverage. Performance specs, rarity and market value account for most of the gap between those figures.
| 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 |
Does Upgrading Your Trim Increase Honda Civic Insurance Costs?
For most Civic shoppers, trim upgrades are a minor insurance factor. Moving from the base DX through the LX, EX, and into the Si or Touring adds at most $114 a month.Â
The Type R is a different conversation entirely. At $281 to $338 a month, it costs more than double the base trim to insure, and that difference is wide enough to factor seriously into the total cost of ownership.
Honda Civic Insurance Cost by State
Minimum coverage for the Civic costs $29 a month in Wyoming and $165 in Louisiana. That $136 gap comes from each state's risk profile and regulations, not the vehicle.
| 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 |
How to Lower the Cost of Honda Civic Insurance
These strategies can help you pay less for Honda Civic coverage.
- 2Research costs and compare companies
Check average auto insurance costs for compact cars before you shop so you know what a fair rate looks like. Use that figure to evaluate the cheapest car insurance companies for your area.
- 3Look beyond the rate
Rate alone won't tell you whether a car insurance company is worth choosing. Check J.D. Power satisfaction scores, Better Business Bureau complaints and AM Best financial ratings.
- 4Check every discount you qualify for
Civic owners are likely to qualify for several car insurance discounts: safety features, good driver, bundling and low mileage. Ask about each one specifically when you get quotes.
- 5Look at usage-based programs
Usage-based programs such as Progressive Snapshot and Allstate Drivewise track driving behavior and lower premiums for safe drivers. They're worth exploring if your annual mileage is low.
- 6Get new quotes every year
Pull car insurance quotes from several companies each year. Your insurer won't tell you when a competitor drops prices, but shopping annually keeps your rate competitive.
Honda Civic Insurance Cost: Bottom Line
The Civic costs less to insure than most vehicles. Comparing quotes across insurers and stacking available discounts can bring your rate to the lower end of an already reasonable range.
Honda Civic Insurance Rates: FAQ
What is the average cost of car insurance for a Honda Civic?
Honda Civic insurance costs average $990 annually for state minimum coverage and $1,911 for full coverage. This makes the Civic one of the more affordable vehicles to insure.
What company has the cheapest car insurance for a Honda Civic?
Geico provides the most affordable minimum coverage for Honda Civic owners at $670 annually. For full coverage, Geico remains the best value option at $1,446 per year.
Are Honda Civics expensive to insure?
No. The Civic ranks 34th out of 52 hatchbacks for insurance affordability and 174th out of 827 total vehicles, putting it in the top 25% most affordable cars to insure.
What factors affect insurance costs for Honda Civics?
Driving record, credit score, coverage level, model year and trim all affect your Civic premium. State of residence adds another layer because risk profiles and regulations vary by location.
How can I lower Honda Civic insurance costs?
Get quotes from several insurers because Civic rates vary enough between companies that shopping around makes a difference. Stack every discount you qualify for, look at usage-based programs if your mileage is low and keep your record clean.
How We Determined Honda Civic Insurance Costs
MoneyGeek analyzed hundreds of millions of quote estimates for U.S. vehicle models from 2000 to 2025 to determine Honda Civic insurance costs.
Who We Based These Rates On
Honda Civic rates in this analysis are based on a 40-year-old unmarried male with:
- No tickets or crashes
- Good credit
- No prior claims
- 12,000 miles driven yearly
- A valid license with no suspensions
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 (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He writes about economics and insurance on MoneyGeek so people can make coverage decisions with confidence. His insurance insights have been featured in The Washington Post, The New York Times and NPR, among other media outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data, and no insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.) and began his career in financial risk management at State Street. He's also a five-time Jeopardy champion!