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Jamie Johnson is a Kansas City-based personal finance writer who’s been writing for Compare.com since 2023. Her work has also been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance.
For the past seven years, she’s dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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The average cost of car insurance for the Honda Civic is higher than average compared to all other vehicles, according to our research. The Honda Civic has a high theft rate, which could contribute to higher insurance premiums compared to similarly priced vehicles.[1]
Honda Civic drivers pay an average monthly rate of $115 for liability coverage and $211 for full coverage, according to our data. But the exact rates you receive will depend on factors like your coverage level, your car’s model year, and the state you live in.
We’ll break down everything you need to know to help you find the best car insurance for your Honda Civic in the following article.
Novo offers the cheapest car insurance for Honda Civic drivers, with an average monthly premium of just $62.
Erie, Elephant, and Mile Auto are some of the best car insurance companies for Honda Civic drivers.
Drivers in Iowa and North Carolina pay some of the lowest rates for Honda Civic insurance, while drivers in Connecticut and New York pay the most for coverage.
Your average car insurance rates largely depend on the type of policy you choose for your Honda Civic. You’ll need to decide if you want a basic liability-only policy or more robust full-coverage insurance. Liability coverage typically includes property damage and bodily injury liability insurance, which protect other drivers when you cause a car accident (but doesn’t protect you or your vehicle).[2]
Full coverage, on the other hand, includes liability coverage as well as comprehensive and collision insurance. This extra coverage provides you with more robust protection to cover you and your vehicle. Full coverage pays for things like damages from an accident with another car or object and from a non-collision incident, like a hurricane or theft.
The following table shows the average monthly rates for different Honda Civic policy types and how each compares to the national average for all vehicles, according to Compare.com data.
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Honda Civic | $115 | $211 | $163 |
| All vehicles | $107 | $197 | $152 |
The average cost for Honda Civic car insurance is $115 per month for liability coverage and $211 for full-coverage car insurance.
But keep in mind that our coverage levels are just one factor affecting your auto insurance rates. We’ll go into more detail about other factors in later sections.
Even though the average car insurance rate for Honda Civics is $163 per month, you can find ways to get even cheaper rates by exploring different insurance companies and coverage options.
Getting quotes from companies with the cheapest rates is a great place to start. With that in mind, the following table shows five of the most affordable insurance companies for Honda Civic drivers, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Novo | $62 |
| Certainly | $77 |
| Mile Auto | $78 |
| Just Insure | $94 |
| Root | $96 |
We found that Novo offers the cheapest average rates for a Honda Civic, with an average monthly premium of just $62.
Still, understanding which companies are the cheapest on average is helpful, but it doesn’t mean these companies are the cheapest option for you.
It’s important to compare multiple quotes from different insurers since certain companies may cater to specific demographics, like teen drivers, seniors, or high-risk drivers.
Compare personalized quotes from dozens of top companies.
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When it comes to car insurance, no single company is best for every driver. We researched dozens of companies to find the best options for several demographics. The companies below top our list for average rates for the Honda Civic, available discounts, customer ratings and reviews, and coverage options.
Compare.com Rating: 4.75 out of 5
Customized car insurance available
Large network of local agents
Limited availability
Minimal mobile app features
Erie Insurance is known for offering competitive rates and a number of unique coverage options. It’s one of the best choices for high-risk Honda Civic drivers thanks to its rate lock feature — your rates will only increase if you add or remove a driver from your policy or change the address where you park your vehicle.
And if you’ve been a customer for three years, you’ll receive accident forgiveness for your first at-fault car accident. Erie also ranks above average for auto claims satisfaction, according to J.D. Power.[3]
Compare.com Rating: 3.36 out of 5
Easy online quoting process
Plenty of discounts available
Limited availability
Fewer coverage add-ons
Elephant is a good option for Civic drivers looking to save on car insurance, thanks to the large number of discounts it offers. You could receive a car insurance discount for things like working from home, remaining claims-free, and owning a home.
You can also manage your policy and claims with the company’s comprehensive mobile app. Elephant also has a lower-than-average complaint index, according to the National Association of Insurance Commissioners (NAIC).[4]
Compare.com Rating: 2.98 out of 5
Simple, transparent pricing
No tracking device required
Available in only seven states
Limited coverage options
Mile Auto’s pay-per-mile insurance is a good choice for Honda Civic owners who drive less than 10,000 miles per year — you can save up to 40% if you fall into this category. You’ll receive a low base rate, and the company determines the rest of your costs by your monthly mileage.
Plus, Mile Auto doesn’t require you to install a tracking device in your car — instead, you’ll just take a photo of your odometer each month.
But the company has just average customer ratings on Trustpilot.[5]
Compare personalized quotes and get cheaper rates in minutes.
The model year of your Honda Civic can indirectly affect your insurance premiums. In general, the more a car is worth, the more it costs to insure due to its higher value and repair costs. Likewise, older vehicles cost less to insure because of depreciation and generally low values.
The following table shows the average monthly premium for several Honda Civic model years. It also shows the cheapest car insurance companies for each, along with the insurers’ average rates, according to Compare.com data.
Civic Model Year | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| 2025 | $209 | Elephant | $74 |
| 2024 | $198 | Mile Auto | $95 |
| 2023 | $196 | Mile Auto | $89 |
| 2022 | $185 | Mile Auto | $91 |
| 2021 | $180 | Certainly | $89 |
| 2020 | $175 | Mile Auto | $81 |
| 2019 | $176 | Mile Auto | $83 |
| 2018 | $170 | Certainly | $64 |
| 2017 | $171 | Mile Auto | $82 |
| 2016 | $165 | Certainly | $70 |
Still, the model year you drive isn’t the only factor influencing your insurance costs — the state you live in also plays a role in determining your Honda Civic costs. With that in mind, let’s take a look at how your location can affect your insurance premium.
The state you live in has a substantial effect on your car insurance costs for a variety of reasons. One of the biggest factors is that every state has different minimum coverage requirements. For example, some states require personal injury protection (PIP), while others don’t.
Plus, urban areas with heavy traffic, like New York and Los Angeles, tend to have a higher risk of car accidents, so these areas often have higher insurance rates. In comparison, rural areas with low population densities often have lower car insurance rates. States with high crime rates, litigation costs, and medical costs can also have higher car insurance costs.[6]
The following table outlines the average monthly premiums by state for a Honda Civic, according to our research.
State | Average Monthly Premium |
|---|---|
| Alabama | $107 |
| Arizona | $144 |
| Arkansas | $206 |
| California | $207 |
| Colorado | $168 |
| Connecticut | $327 |
| Delaware | $199 |
| Florida | $210 |
| Georgia | $213 |
| Idaho | $108 |
| Illinois | $134 |
| Indiana | $116 |
| Iowa | $98 |
| Kansas | $132 |
| Kentucky | $210 |
| Louisiana | $194 |
| Maine | $128 |
| Maryland | $296 |
| Massachusetts | $162 |
| Michigan | $252 |
| Minnesota | $162 |
| Mississippi | $162 |
| Missouri | $158 |
| Montana | $131 |
| Nebraska | $151 |
| Nevada | $256 |
| New Hampshire | $99 |
| New Jersey | $170 |
| New Mexico | $124 |
| New York | $414 |
| North Carolina | $80 |
| North Dakota | $124 |
| Ohio | $109 |
| Oklahoma | $139 |
| Oregon | $138 |
| Pennsylvania | $140 |
| Rhode Island | $123 |
| South Carolina | $236 |
| South Dakota | $104 |
| Tennessee | $121 |
| Texas | $191 |
| Utah | $156 |
| Vermont | $117 |
| Virginia | $155 |
| Washington | $120 |
| Washington, D.C. | $244 |
| West Virginia | $124 |
| Wisconsin | $109 |
| Wyoming | $104 |
Many other factors besides your location will influence your auto insurance premiums, including your age. We’ll cover that next.
Your age is one of the biggest factors that affect car insurance rates. Numerous studies show that young drivers have higher fatal crash rates due to their lack of driving experience.[7] But fortunately, car insurance rates tend to gradually decrease with age as you gain more experience behind the wheel.
Let’s look at the average Honda Civic car insurance rates for different age groups, according to Compare.com data. The table below shows average monthly premiums and the cheapest insurer for each age group.
Age Group | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Teens | $306 | Novo | $76 |
| 20s | $210 | Novo | $52 |
| 30s | $163 | Novo | $40 |
| 40s | $149 | Novo | $37 |
| 50s | $134 | Novo | $33 |
| 60s | $125 | Novo | $31 |
| 70s | $135 | Novo | $33 |
Teen drivers have the highest average monthly premiums, but rates drop substantially once you reach your 20s and 30s. Honda Civic car insurance rates continue to decline with age, only experiencing a slight uptick once drivers reach their 70s. Notably, Novo is the cheapest insurer for every age group.
Next, let’s review how your driving history affects your insurance costs.
Your driving record also has a significant effect on Honda Civic car insurance rates. Civic owners with a clean driving record will almost always find good rates. But speeding tickets and at-fault accidents can drive up your insurance premiums since these violations increase your risk in the eyes of your insurance company.
Let’s look at how your car insurance rates change based on your driving record and which company charges the cheapest average rates, according to our research.
Driving Record | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Clean record | $163 | Novo | $40 |
| Speeding ticket | $226 | Novo | $56 |
| At-fault accident | $236 | Novo | $58 |
| DUI | $268 | Novo | $66 |
Honda Civic car insurance rates can increase substantially after just one ticket, at-fault accident, or DUI. But a DUI conviction can raise your insurance premium the most — drivers in this group pay an average of $105 more per month than people with clean records.
No matter their driving record, the average Honda Civic owner saves the most when choosing Novo as their car insurance company.
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The type of features you have can affect repair costs and the likelihood of theft or accidents, which will also influence your Honda Civic car insurance rates. Below, we explain the types of features a Civic may have and how each can affect your insurance costs.
Safety features: Your insurance company may give you a discount if your vehicle includes certain safety features that reduce the risk of accidents. For instance, the Honda Sensing safety suite is standard in all new Honda Civics and includes adaptive cruise control and road-departure mitigation.[8]
Anti-theft systems: Nearly 20,000 Honda Civics were stolen in 2024. Cars that rank high for theft have higher insurance costs, but you may still be able to find good rates by choosing a model with anti-theft systems like an alarm system or engine immobilizer.
Trim level: The trim level you choose can affect your Honda Civic car insurance rates due to variations in the vehicle’s value and performance. For instance, the Honda Civic Touring comes with advanced technology and a turbocharged engine, which could increase repair costs.
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Here are five strategies you can use to find cheap car insurance for your Honda Civic:
Check insurance rates before buying. It’s a good idea to look into the average insurance costs for the vehicle you’re interested in before purchasing. For example, you may find that you can lower your insurance costs by choosing a Civic with a lower trim level. Another option is to see if a different model — such as the Honda Accord or Honda CR-V — tends to have cheaper rates.
Take advantage of discounts. Most insurance companies offer discounts to help you save money on your insurance premiums. For example, you could earn a discount if your Civic has certain safety features or if you insure multiple vehicles.
Increase your deductible. Choosing a higher car insurance deductible is one of the easiest ways to lower your car insurance costs — just be sure that you can afford the extra expense if you file a claim. Increasing your deductible to $1,000 could save you up to 40% on car insurance costs, according to the Insurance Information Institute.[9]
Consider mileage-based insurance. If you drive less than 10,000 miles per year, you could save quite a bit by switching to mileage-based insurance. But depending on your insurance company, you may have to install a tracking device in your vehicle.
Shop around and compare quotes. Every insurance company weighs risk factors differently, so it’s important to shop around and compare quotes from at least three different insurers. This will ensure you find not only a good rate but also the coverage that’s best for your situation.
Compare personalized quotes from dozens of the nation’s top insurers.
Car insurance rates for your Honda Civic vary based on factors like your age, ZIP code, trim level, and driving record. Below are answers to common questions about insuring a Honda Civic.
Yes. The average monthly premium for a Honda Civic is $163, which is slightly higher than the national average of $152, according to our data. The Honda Civic has a higher theft rate than other sedans, which may contribute to its above-average insurance premiums.
The average monthly premium for a 2024 Honda Civic is $198, according to our research — that’s an average annual cost of $2,376. A 2024 Honda Civic has a higher value and higher replacement costs than older models, making it more expensive to insure.
Car insurance costs for a Honda Civic are more expensive because of the vehicle’s high theft rate and popularity with younger drivers, which could drive up the premiums slightly. But Honda Civic car insurance rates tend to be more reasonable than those of sports cars or luxury vehicles.
A good monthly payment for car insurance depends on your vehicle, age, driving record, and location. For context, the average car insurance rate for all vehicles is $152 per month. The average Honda Civic costs $163 per month to insure, but if you’re a teen driver, the average cost increases to $306 per month.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Jamie Johnson is a Kansas City-based personal finance writer who’s been writing for Compare.com since 2023. Her work has also been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance.
For the past seven years, she’s dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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