Honda Civic Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• It costs about the same to insure a Honda Civic as the average car.

• Liability car insurance for a Civic comes in at about $85 per month, while full coverage typically tends to be around $180 monthly.

• The cheapest insurance company for a Civic is Hugo.

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Civic Overview

Coming in with a base MSRP of $21,700 for 2022 models, the Honda Civic is a great budget-friendly option for any driver. There are six different trim levels currently offered, so there's a style for every driver.

We sifted through thousands of auto insurance quotes on Compare.com, and we've found that Honda Civic insurance premiums are about $181 per month, on average. Compared to other vehicles in the market, how do Civic car insurance rates stack up?

How Much is Car Insurance for a Honda Civic?

If you look at the table above, you'll find that Honda Civic insurance prices are right around average compared to other vehicles on the road. Civic drivers can expect to pay about $85 a month for liability insurance, and around $180 monthly for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can give you more information on these different types of insurance).

Comparing it to other Honda models, the Civic is slightly more expensive, with premiums more than 5% higher than the rest of the company's vehicle lineup. Compared to offerings from other brands, auto insurance for a Civic is similarly on the expensive side, with full coverage insurance prices coming in about $3 more and $2 more for liability only insurance.

Compared to all vehicles, regardless of make, body style, or model, the Civic has higher rates than average for both liability only and full coverage car insurance.

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Who has the Cheapest Car Insurance for a Honda Civic?

If you're searching for a new car insurance policy for your Honda Civic, you're probably wondering which carrier offers the cheapest premiums. Although prices can shift considerably from person to person, Ohio Mutual has the lowest average rates for liability only coverage, with rates as cheap as $27 per month. The next most affordable company is USAA, who offers auto insurance as low as just $38 monthly.

The third, fourth, and fifth carriers on the list are CaliforniaCasualty, CSAA, and American Family. That being said, just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

Car insurance carriers take lots of different factors into consideration when calculating monthly prices. There's only one way to make sure you find the cheapest possible rates, and that's by analyzing quotes from lots of insurance companies.

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What Factors Affect Car Insurance Rates for a Honda Civic?

As we mentioned above, there are multiple variables that car insurance carriers look at to decide how much they charge for auto insurance -- and each carrier weighs certain pieces more than others, so there's not a singular company that's the lowest for every driver.

Keep reading to learn which things insurance companies look at and how they affect your final rate:

Vehicle Age

The Honda Civic has been around for a while -- that means vehicle age can make a big difference in what you end up paying for auto insurance. Typically, older cars will be cheaper to insure because they're worth less than newer models, and as time goes on and Civics begin to depreciate, insurance costs will gradually go down.

As you can see in the table above, the Honda Civic is inline with this trend, as the most expensive models to insure are those that are 2 to 3 years old, while the cheapest models are Civics that are 6 to 7 years old, on average.

Your Age

Age plays a role in how much you pay for car insurance. Based on the information above, drivers who are under 18 have much higher premiums compared to older Civic drivers. In this case, drivers under 18 pay more than twice as much as those 25 or older.

Auto insurance prices continue to get lower as you get older, with the cheapest age group for Civic drivers being 55-64.

Your Gender

Did you know women normally pay less for insurance than men? This is because men are more likely to get tickets and get into accidents, which raises the chances of an insurance claim. When it comes to Civic drivers specifically, women pay around $81 a month for auto insurance and men pay about $89.

Where You Live

You might already know that variables such as what vehicle you drive and how old you are play a role in your car insurance rates, but you may not realize that where you live is just as important. Because insurance is regulated on a state-by-state basis, premiums can vary quite a bit from state to state.

For example, the average Honda Civic driver in New York pays around $232 monthly for liability coverage, while the same owner from California will pay less than 25% of that price, on average. The table referenced above shows average rates for the 10 largest states by population, just to give you a good idea of how much prices can change from state to state.

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Honda Civic Car Insurance Discounts

Regardless of what state you live in, how old you are, or which vehicle you drive, it's always a smart move to take advantage of as many car insurance discounts as possible.

Even though all auto insurance carriers offer their own unique discounts, there are a few that you'll find with most insurers. These include things like:

• Multi-policy discounts for bundling your home and auto policies with the same insurance carrier
• Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like air bags or anti-lock brakes)
• Pay-in-full discounts for drivers who choose to pay their entire policy price at once, rather than by monthly payments
• Multi-vehicle discounts for having several cars on your auto policy

These are just a few of the discounts out there. Often, it's actually your insurance profile and driving record that get you the most affordable rates.

While you may not be able to control every factor insurance companies examine to calculate premiums (like some of the ones mentioned above), you can influence some of them. Below are just a few of the ones you can use to your advantage when it comes to cost savings:

Your Driving Record

You've no doubt noticed ads from car insurance carriers posting large savings for good drivers. It should be no surprise that your insurance rates will go up if you get into a collision or get a speeding ticket. But exactly how much is it going to cost you for these infractions?

If you look at the table above, you'll notice that accidents will usually cost Civic drivers more than tickets, but both will result in a raise in rates. Honda Civic drivers with a single ticket will pay about $92 per month, while drivers with one accident on their record pay an average of $102 every month (up $17 from the $85/mo. overall average). Drivers with more than one of either violation will end up paying even more.

How Much You Drive

Another variable that affects your auto insurance prices is how much you drive each year. Those who are on the roads less are more likely to go accident-free, so they'll generally end up spending less on insurance. In the table above, you can see that Honda Civic owners who drive 10,000 miles or more pay $83 for car insurance, while those who drive fewer than 2,500 miles per year pay an average of $82 a month.

But if you drive less often than the average driver or work from home, it may be worth learning about usage-based or pay-per-mile auto insurance. With these policies, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

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How Do Honda Civics Compare to Other Vehicles?

If you're thinking about making a Honda Civic your next vehicle, it might be helpful to do your research. Insurance is just one cost that comes with buying a new car, but it's definitely one that's worth thinking about carefully.

Check out the table below to see how the Honda Civic stacks up:

With an MSRP that's a third less than the going rate for a new vehicle, the Honda Civic is a great value when it comes to price. The Civic starts at $21,700, which is much cheaper than the national average vehicle MSRP of $41,045.

Similarly, car insurance rates are slightly cheaper when compared to the rest of the vehicle market. Liability insurance for a Honda Civic is about $18 per month less than average, while full coverage is $5 more per month.

When it comes to usage, Honda Civic drivers are pretty close to the national average in annual miles driven, with 11,673 miles each year for all vehicles compared to the Civic's 11,795 a year.

Honda Civic Car Insurance Costs by Model Year

We've gone over many of the factors that can have an impact on how much the average driver pays to insure a Honda Civic. But if you're thinking about buying a new vehicle and the Civic is one you're considering, knowing what you'll likely pay can be helpful as you consider your choices.

So we've broken down Honda Civic auto insurance premiums by model year. Choose a specific Civic model year in the dropdown below and see average rates for both full coverage and liability only insurance. We've also included some other helpful info that might help you make a decision, such as available trims, base price, and even the cheapest insurance company for each year the Civic has been around.

Choose Your Model

2022 Honda Civic Car Insurance 2021 Honda Civic Car Insurance 2020 Honda Civic Car Insurance 2019 Honda Civic Car Insurance 2018 Honda Civic Car Insurance 2017 Honda Civic Car Insurance 2016 Honda Civic Car Insurance 2015 Honda Civic Car Insurance 2014 Honda Civic Car Insurance 2013 Honda Civic Car Insurance 2012 Honda Civic Car Insurance 2011 Honda Civic Car Insurance 2010 Honda Civic Car Insurance

2022 Honda Civic Car Insurance

The average cost to insure a 2022 Honda Civic with liability only coverage is $63 a month, while full coverage runs around $174 monthly.

We found Mile Auto offered the most affordable policy, with rates as little as just $33 per month.

Want something more accurate than national averages? Just enter your ZIP code below to get multiple customized quotes for free.

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2021 Honda Civic Car Insurance

On average, drivers who own a 2021 Civic can expect to pay $86 to $209 a month for liability only and full coverage insurance, respectively.

Looking for the lowest policy? Hugo offered liability only coverage for sometimes as little as $17 monthly.

If you want to know exactly how much you can expect to pay for your Civic, get free quotes in minutes by just entering your ZIP code below.

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2020 Honda Civic Car Insurance

2020 Honda Civic drivers can expect to pay an average of $92 a month for liability or $204 for full coverage.

If you're looking for the cheapest possible 2020 Honda Civic insurance policy, Hugo offered the cheapest policy we found, with rates as little as $18 per month.

If you want to find the best prices for car insurance for a 2020 Honda Civic, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2019 Honda Civic Car Insurance

You can expect full coverage for a 2019 Civic to run about $204 monthly, while liability only coverage will average around $97 a month.

Hugo offered the most affordable policy we found, with rates sometimes as cheap as $17 per month.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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2018 Honda Civic Car Insurance

It costs about $101 monthly for liability or $208 for a full coverage policy for the 2018 Honda Civic.

With rates sometimes as low as $16 per month, Hugo offered the lowest policy we found.

Interested in what your auto insurance rate will be? All you need to do is enter your ZIP code below and you'll be on your way to comparing many personalized quotes from the nation's top insurance companies.

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2017 Honda Civic Car Insurance

The average cost to insure a 2017 Civic with liability only coverage is $95 a month, while full coverage runs around $191 monthly.

With premiums as cheap as just $16 per month, Hugo offered the cheapest policy we found for the 2017 Honda Civic.

If you're looking for a more exact figure on what you should pay for insurance for a 2017 Honda Civic, you can get free quotes in minutes by just entering your ZIP code below.

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2016 Honda Civic Car Insurance

You can expect full coverage for a 2016 Honda Civic to run about $192 monthly, while liability only coverage will average around $104 a month.

MetLife has prices as low as $17 monthly for the 2016 Honda Civic.

Interested in exactly how much you'll pay? Enter your ZIP code below to get several personalized quotes for free.

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2015 Honda Civic Car Insurance

It costs about $85 per month for liability or $180 for a full coverage policy for the 2015 Civic.

Looking for the most affordable policy? StateAuto offered liability only coverage for sometimes as low as $17 a month.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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2014 Honda Civic Car Insurance

On average, drivers who own a 2014 Honda Civic can expect to pay $83 to $180 per month for liability only and full coverage auto insurance, respectively.

If you're looking for the lowest possible 2014 Honda Civic insurance policy, Shelter Mutual offered the cheapest policy we found, with rates as little as $17 a month.

If you want to know exactly how much you can expect to pay for your Civic, just enter your ZIP code below and get free quotes in minutes.

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2013 Honda Civic Car Insurance

2013 Civic drivers can expect to pay an average of $87 monthly for liability or $175 for full coverage.

StateAuto has premiums sometimes as little as $18 per month for the 2013 Honda Civic.

Want to find the lowest rates? Just enter your ZIP code below to get a variety of free customized quotes.

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2012 Honda Civic Car Insurance

It costs around $83 a month for liability or $170 for a full coverage policy for the 2012 Honda Civic.

With rates as low as $15 monthly, Elephant offered the most affordable policy we found for the 2012 Honda Civic.

If you want to know just how much your price will be, just enter your ZIP code below and get free quotes in minutes.

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2011 Honda Civic Car Insurance

2011 Civic drivers can expect to pay an average of $83 a month for liability or $164 for full coverage.

With prices as low as just $19 per month, Encompass offered the cheapest policy we found.

While these are good estimates of what the average driver might pay to insure a 2011 Honda Civic, these premiums might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2010 Honda Civic Car Insurance

On average, drivers who own a 2010 Honda Civic can expect to pay $87 to $165 monthly for liability only and full coverage car insurance, respectively.

We found Liberty Mutual offered the most affordable policy, with rates as little as just $18 a month.

These average prices are a great starting point if you're in the market for a 2010 Honda Civic, but there are a multitude of things that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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Honda Civic Insurance FAQs

Is a Honda Civic expensive to insure?

The cost of insurance for the Honda Civic is about on par with the average car. Liability insurance runs an average of $85 per month, while full coverage will cost you around $180.

How can I get the best price on car insurance for my Honda Civic?

There's only one way to confirm you're getting the lowest rates -- regularly shopping around and comparing quotes from an array of carriers. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from several companies at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) for free.

Does the color of my Honda Civic affect my insurance prices?

You may have heard the old adage that it costs more to insure a red car, but that's just a myth. There are lots of factors auto insurance carriers examine when they calculate how much you'll pay, but your car's color is not used to make that determination.

Do I need to have insurance before I buy a Honda Civic?

You'll need to have a valid car insurance policy before you can legally drive your new (or new to you) vehicle off the dealership lot. As part of the buying process, some dealerships might offer you an auto insurance policy, but the easiest thing to do is to let your insurance carrier know before you buy.

What car insurance discounts can I get for my Honda Civic?

You will find a multitude of different discounts out there when it comes to car insurance. Many of them (like "multi-vehicle discounts" and "pay-in-full discounts") are more based on you than the Civic you drive, but if your Civic has safety features like anti-lock brakes, anti-theft systems, airbags, and other features, it may qualify for certain discounts. The only way to know is to reach out to your insurance company and ask about which discounts they offer.