The annual cost of full coverage for a Honda Civic ranges from $971 to $6,237, depending on model year, driver's age, location, driving history, coverage and insurer. This article outlines Honda Civic insurance costs, coverage and the best affordable providers.
Honda Civic Insurance Cost
Updated: March 17, 2025
Key Takeaways
With annual rates starting at $490, State Farm offers the cheapest overall car insurance for Honda Civics.
Across all Honda Civic model years, the average annual cost is $628 for minimum coverage and $1,423 for full coverage.
We analyzed 4,183 Honda Civic insurance quotes from providers nationwide using Quadrant Information Services data to ensure accurate and comprehensive estimates.
Honda Civic Insurance Rates
What Is the Average Honda Civic Car Insurance Cost?
The average full coverage insurance cost for a Honda Civic is $119 per month, totaling $1,423 annually, based on a 40-year-old male with a clean driving record. Minimum coverage costs around $52 monthly or $628 per year.
| Minimum Coverage | $628 |
| Full Coverage | $1,423 |
Honda Civic Insurance Costs by Company
Honda Civic insurance costs range from $1,003 to $1,961 annually, depending on age, model year and coverage level. The table below compares average Honda Civic insurance rates with the averages for all vehicles from several national and midsize providers.
| Allstate | $1,558 | $1,812 | -14% |
| Auto-Owners | $1,222 | $1,226 | 0% |
| Farmers | $1,860 | $1,955 | -5% |
| GEICO | $1,190 | $1,333 | -11% |
| Kemper | $1,961 | $2,213 | -11% |
| Nationwide | $1,679 | $1,586 | 6% |
| Progressive | $1,583 | $1,743 | -9% |
| State Farm | $1,138 | $1,270 | -10% |
| Travelers | $1,503 | $1,520 | -1% |
| USAA | $1,003 | $1,201 | -17% |
Read more: Best Car Insurance Companies
Cost of Insuring a Honda Civic by Model Year
Your Honda Civic's production year impacts insurance rates, with older models typically costing less. For instance, full coverage for a 2022 model averages $1,556 annually, while a 2009 model costs about $1,286. Below are the average full and minimum coverage rates by model year.
| 2022 | $619 | $1,556 |
| 2021 | $626 | $1,562 |
| 2020 | $608 | $1,546 |
| 2019 | $640 | $1,536 |
| 2018 | $645 | $1,520 |
| 2017 | $626 | $1,485 |
| 2016 | $657 | $1,450 |
| 2015 | $660 | $1,416 |
| 2014 | $635 | $1,392 |
| 2013 | $660 | $1,367 |
| 2012 | $658 | $1,343 |
| 2011 | $630 | $1,324 |
| 2010 | $653 | $1,305 |
| 2009 | $647 | $1,286 |
Honda Civic Insurance Costs by Driver Age
Honda Civic insurance rates vary greatly depending on the driver's age. For example, 40-year-olds pay an average of $1,435 annually for full coverage, while 16-year-olds pay $6,237. Below are the average full and minimum coverage rates for Honda Civic drivers of different ages.
| 16 | $2,938 | $6,237 |
| 17 | $2,387 | $5,080 |
| 18 | $2,085 | $4,478 |
| 19 | $1,477 | $3,188 |
| 20 | $1,326 | $2,898 |
| 21 | $1,049 | $2,335 |
| 22 | $956 | $2,146 |
| 23 | $887 | $2,004 |
| 24 | $841 | $1,908 |
| 25 | $748 | $1,706 |
| 26 | $728 | $1,645 |
| 27 | $710 | $1,609 |
| 28 | $699 | $1,585 |
| 29 | $688 | $1,563 |
| 30 | $665 | $1,508 |
| 35 | $647 | $1,462 |
| 40 | $640 | $1,435 |
| 45 | $635 | $1,416 |
| 50 | $619 | $1,373 |
| 55 | $603 | $1,335 |
| 60 | $603 | $1,330 |
| 65 | $642 | $1,387 |
| 70 | $697 | $1,484 |
| 75 | $774 | $1,627 |
| 80 | $877 | $1,812 |
| 85 | $949 | $1,944 |
| 90 | $1,001 | $2,036 |
Honda Civic Insurance Rates Explained
Many factors influence car insurance rates based on driver profiles, but insurers also consider vehicle-specific factors. Below is a breakdown of these vehicle-related cost factors.
Honda Civic Rates vs. National Average
All Vehicles
Average Full Coverage Rate
$1,296Honda Civic
Average Full Coverage Rate
$1,423Premiums for Honda Civic are:$127 more
This is 10% more expensive.
Value
The Honda Civic's MSRP is $33,000, classifying it as a compact car. This price affects how insurers calculate the insurance cost.
Repair costs
The Honda Civic's annual repair cost of $368 is below the national average, potentially reducing insurance premiums due to its affordable repair expenses.
Performance
The Honda Civic’s 0-to-60 time of 6.6 seconds and horsepower range of 158 to 200 classify it as a non-high-performance vehicle, potentially keeping insurance costs moderate.
Vehicle age
Newer Honda Civics typically cost more to insure than older models. However, collector and classic vehicles can also be very expensive.
Safety features
Safety features like stability control, airbags and antilock brakes can qualify the Honda Civic for insurance discounts.
Vehicle size
Larger vehicles often have higher insurance costs due to increased property damage risk. The Honda Civic’s smaller size and weight of 3,188 lbs may help keep insurance costs lower.
Trim level
Higher trim levels with premium upgrades increase the MSRP. For example, a Honda Civic in the Sport or Touring trim costs more to insure than the base model.
Theft rates
Vehicles with higher theft rates cost more to insure. The Honda Civic's moderate theft rate may slightly raise insurance costs.
Anti-theft features
Vehicles with anti-theft features often qualify for lower insurance premiums. The Honda Civic's standard security system may help reduce its insurance costs.
Cheapest Honda Civic Insurance
State Farm offers the lowest annual Honda Civic insurance rate at $490 for minimum coverage, based on a 40-year-old male driver with a clean record. Below is a breakdown of the cheapest car insurance companies across coverage levels, age groups, driving records, model years and more.
Cheapest Honda Civic Insurance by Coverage Level
The coverage level you select significantly affects your Honda Civic insurance costs. State Farm offers the most affordable average minimum and full coverage rates. Below is a breakdown of the cheapest providers for each type.
Cheapest Honda Civic Minimum Coverage
GEICO and State Farm offer the cheapest minimum coverage for a Honda Civic at $41 monthly. Other affordable choices include Travelers at $56, Progressive at $57 and Allstate at $59.
| USAA | $32 | $389 |
| State Farm | $41 | $490 |
| GEICO | $41 | $491 |
| Travelers | $56 | $675 |
| Progressive | $57 | $680 |
| Allstate | $59 | $712 |
| Farmers | $63 | $760 |
| Nationwide | $64 | $769 |
*State Farm offers non-military-affiliated Honda Civic owners the lowest average minimum coverage insurance rate. USAA is the most affordable option for military-affiliated drivers.
Best Honda Civic Insurance Rates by Model Year
The above list doesn't consider your Honda Civic's production year, which could mean lower rates are available. Use the table below to find the cheapest minimum coverage rates for each Honda Civic production year.
Data filtered by:Results filtered by:
Select
Model Year:2009
| Allstate | $719 | $60 |
| Farmers | $732 | $61 |
| GEICO | $514 | $43 |
| Nationwide | $840 | $70 |
| Progressive | $690 | $58 |
| State Farm | $500 | $42 |
| Travelers | $683 | $57 |
| USAA | $412 | $34 |
*USAA is available only to military veterans, active service members and their families.
Cheapest Full Coverage Honda Civic Insurance
State Farm offers the cheapest full coverage for a Honda Civic at $92 monthly or $1,104 annually. Below, explore the list of Honda Civic full coverage car insurance providers and rates.
| USAA | $81 | $971 |
| State Farm | $92 | $1,104 |
| GEICO | $96 | $1,154 |
| Allstate | $124 | $1,488 |
| Travelers | $124 | $1,490 |
| Progressive | $126 | $1,514 |
| Nationwide | $131 | $1,576 |
| Farmers | $145 | $1,739 |
*On average, State Farm is the cheapest insurer for non-military-affiliated Honda Civic owners seeking full coverage. For military-affiliated drivers, USAA is the most affordable option.
Cheapest Honda Civic Insurance by Age
Younger drivers aged 16 to 25 and seniors aged 55+ typically pay higher Honda Civic insurance rates. Below is a breakdown of the cheapest providers by age group.
Cheapest Honda Civic Insurance for Young Drivers
State Farm offers the cheapest auto insurance for young drivers at $89 monthly or $1,071 annually for minimum coverage. Below is the list of the lowest rates for Honda Civic drivers aged 16 to 25.
| USAA | $67 | $799 |
| State Farm | $89 | $1,071 |
| GEICO | $98 | $1,172 |
| Travelers | $118 | $1,417 |
| Allstate | $139 | $1,663 |
| Progressive | $157 | $1,886 |
| Farmers | $172 | $2,060 |
| Nationwide | $172 | $2,061 |
*State Farm is the cheapest insurer for young non-military-affiliated drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest Honda Civic Insurance for Seniors
State Farm offers the cheapest car insurance for seniors aged 55 and up at $45 monthly or $539 annually. See the full list of affordable Honda Civic insurers below:
| USAA | $43 | $515 |
| State Farm | $45 | $539 |
| GEICO | $49 | $588 |
| Travelers | $68 | $811 |
| Progressive | $72 | $868 |
| Allstate | $73 | $874 |
| Nationwide | $75 | $904 |
| Farmers | $85 | $1,019 |
*State Farm is the cheapest insurer for non-military-affiliated senior drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest Honda Civic Insurance After an Accident
For Honda Civic drivers, State Farm, GEICO and Allstate are the most affordable car insurance providers after an accident. See the complete list below.
| USAA | $49 | $590 |
| State Farm | $51 | $614 |
| GEICO | $64 | $772 |
| Allstate | $82 | $979 |
| Travelers | $82 | $985 |
| Progressive | $93 | $1,111 |
| Nationwide | $100 | $1,205 |
| Farmers | $125 | $1,504 |
*State Farm provides the lowest rates for non-military-affiliated at-fault Honda Civic drivers. USAA is the most affordable option for military-affiliated drivers.
Honda Civic Insurance Cost: Bottom Line
Compare rates from various providers regularly to find affordable car insurance. This article explores Honda Civic insurance costs, highlighting rates across different demographics and the most budget-friendly providers.
Honda Civic Insurance Rates: FAQ
Below are answers to common questions about the cost of insuring a Honda Civic.
What company has the cheapest car insurance for a Honda Civic?
State Farm offers the cheapest insurance for a Honda Civic, with an annual minimum coverage rate of $490.
What is the average cost of car insurance for a Honda Civic?
The average annual cost of minimum coverage insurance for a Honda Civic is $628, while full coverage averages $1,423.
Honda Civic Insurance Ratings: Our Review Methodology
MoneyGeek analyzed data and 4,183 Honda Civic insurance quotes from Quadrant Information Services.
Drivers and Cars
MoneyGeek used a sample driver profile with the following characteristics to calculate the average rates for insuring a Honda Civic:
- 40-year-old male
- Clean driving record
- 12,000 miles driven annually
We also modified the sample driver profile to determine Honda Civic insurance rates for different age groups, driving records and model years. MoneyGeek collected data for the following model years:
- 2012
- 2013
- 2014
- 2015
- 2016
- 2017
- 2018
- 2019
- 2020
- 2021
- 2022
If data on specific model years wasn't available, our data scientists estimated rates based on how insurers typically price car models each year. The published rates are estimates and may not reflect the rate you'll receive for your Honda Civic.
Coverage Levels
Each state differs in minimum coverage requirements, so our rates are a combination of minimum coverage policies in the states where we gathered our data.
MoneyGeek’s analysis also includes average rates for a full coverage policy that includes comprehensive and collision coverage (with a $1,000 deductible) and the following increased liability coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.