Cheapest Honda Civic Car Insurance (Nov 2024)

Written by Maria Cruz and 2 others
Nov 26, 2024
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Cheapest Honda Civic Car Insurance (Nov 2024)

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How much does Honda Civic car insurance cost?

On average, Honda Civic drivers spend $97 each month on state minimum car insurance and $180 per month for full coverage. Compared to other popular cars like the Ram 1500, Mini Cooper, and Acura Integra, the Honda Civic is 18% more expensive to insure.

However, there is no real ‘average’ cost of car insurance as your price depends on your driver profile. Many factors play a role in determining your Honda Civic insurance costs, from the trim level you own to your car’s age. The only way to understand how much your car insurance will cost is to compare car insurance quotes

Compare the cheapest Honda Civic car insurance quotes

This may feel complicated, but it doesn’t have to be. Jerry is a car insurance price comparison tool that helps you to easily compare quotes, saving you time and money. Jerry has helped Honda Civic drivers save an average of $1,082 per year on their car insurance.

Check out the table below to see real, free quotes that real people have gotten from Jerry.

Date
Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
Has Full Coverage
November 27, 2024 Honda Civic Sport Bristol West $404 Rose, 22, Seaside, CA State Minimum Yes
November 27, 2024 Honda Civic Lx Dairyland $54 Marion, 33, Township Of Taylorsville, NC State Minimum No
November 27, 2024 Honda Civic Sport Touring Aspire Advantage $418 Rosa, 22, Vista, CA State Minimum Yes
November 27, 2024 Honda Civic Ex-L National General $254 Nelle, 23, Lawrenceville, GA State Minimum No
November 27, 2024 Honda Civic Ex Progressive $146 Benjamin, 45, Little Rock, AR 25/50 Yes
Last Updated Nov, 2024

However, insurance costs can vary greatly even for the same model. In addition to your driving record, ZIP code, and insurance history, insurance companies will consider your car’s model year and trim level when generating a quote.

To find out the rate for your Honda Civic, you’ll need to get car insurance quotes from at least three insurance companies.

The best car insurance companies for Honda Civic owners

There’s no single best insurance company for all Honda Civic owners—car insurance rates are highly personalized, and every insurance company uses a slightly different algorithm to calculate your premiums.

But that doesn’t mean we can’t find the best insurance company for you.

Jerry conducted the largest survey in the nation to help people compare car insurance companies. Check out how drivers rate different insurance companies below.

Insurance CompanyOverall RatingPriceClaims ExperienceCustomer Service
Safeco4.64.444.5
Travelers4.54.24.44.5
Progressive4.33.93.94.3
AAA4.243.84.4
Allstate4.23.63.84.2
USAA43.54.54.2
State Farm43.43.84.2
Farmers43.44.13.9
Geico3.93.33.94
Liberty Mutual3.73.23.53.7

How’d we get these scores?

Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

How much car insurance do you need for a Honda Civic?

The average cost of Honda Civic insurance is $180 per month for full coverage and $97 for state minimum coverage– but individual quotes can vary greatly depending on a variety of factors including model year, trim level, driving history coverage levels, and more.

CarAverage Full Coverage Insurance CostAverage State Minimum Insurance Cost
Honda Civic$180$97
  • Minimum coverage insurance is the minimum amount of coverage legally required in your state, which typically includes at least bodily injury and property damage liability insurance.
  • Full coverage insurance provides financial protection for damage to yourself, your vehicle, and other vehicles and passengers involved in an accident.

While knowing auto insurance averages can be useful, getting personalized quotes is the best way to shop for insurance. Jerry makes quote shopping easy, finding you the best coverage at the best rate.

Why are some trims more expensive to insure than others?

Repair and replacement costs tend to be higher for premium trim levels, making them a higher risk to insurance companies.

Check out the table below to see the average cost of auto insurance for some popular Honda Civic trims.

CarMonthly minimum coverage costMonthly full coverage cost
Civic Honda Base$104$212
Civic Honda DX$98$130
Civic Honda DX VP$108$129
Civic Honda EX$98$180
Civic Honda EXL$94$171
Civic Honda GX$109$236
Civic Honda HF$79$174
Civic Honda Hybrid$92$161
Civic Honda Hybrid L$91$137
Civic Honda LX$97$179
Civic Honda LX-S$102$174
Civic Honda SE$117$171
Civic Honda SI$95$196
Civic Honda Sport$103$200
Civic Honda Touring$92$182
Civic Honda Type-R Touring$81$163
Civic Honda VP$66$111

Honda Civic insurance cost by model year

The more recently your Honda Civic was manufactured, the more it’ll cost to insure. New models are worth more and often have higher repair costs thanks to cutting-edge technology. Check out some see real quotes for Honda Civics provided by Jerry to better understand how your driver profile might affect your cost.

2023 Honda Civic car insurance quotes

Unfortunately, newer cars can also come with higher car insurance rates. Here’s what Jerry drivers pay to insure their 2023 Honda Civic:

Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
Has Full Coverage
Civic 2023 Progressive $182 Cordelia, 29, Tempe, AZ State Minimum Yes
Civic 2023 Progressive $148 Lizzie, 21, Phoenix, AZ State Minimum No
Civic 2023 National General $145 Mike, 33, Wake Forest, NC State Minimum Yes
Civic 2023 Bristol West $263 Isaac, 23, Hampton, NJ 25/50 No
Civic 2023 Dairyland $732 Devin, 22, Fort Lauderdale, FL State Minimum No
Last Updated Nov, 2024

2022 Honda Civic car insurance quotes

It’s important to remember that car insurance rates are as unique at the drivers themselves. The best way to understand how much you might pay is to compare real quotes like the ones below from different insurance companies. Check out some real quotes Jerry compared for 2022 Honda Civic drivers below:

Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
Has Full Coverage
Civic 2022 Bristol West $404 Rose, 22, Seaside, CA State Minimum Yes
Civic 2022 National General $626 Ophelia, 54, Pembroke Pines, FL No Coverage Yes
Civic 2022 Bristol West $701 Lelia, 65, Greenacres, FL 100/300 Yes
Civic 2022 National General $328 Lulu, 38, Los Angeles, CA State Minimum Yes
Civic 2022 Progressive $146 Clayton, 31, Plano, TX State Minimum Yes
Last Updated Nov, 2024

2021 Honda Civic car insurance quotes

Jerry compares quotes from over 55+ top insurance companies for you. Compare some real examples of what Jerry drivers pay to insure their 2021 Honda Civic:

Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
Has Full Coverage
Civic 2021 Mercury $245 Elizabeth, 35, Barstow, CA State Minimum Yes
Civic 2021 Aspire Advantage $294 Gussie, 27, Sacramento, CA State Minimum Yes
Civic 2021 Progressive $1,062 Louisa, 27, New York, NY State Minimum No
Civic 2021 Anchor General $381 Lelia, 20, San Mateo, CA State Minimum Yes
Civic 2021 National General $234 Edith, 22, Miami, FL No Coverage No
Last Updated Nov, 2024

If your car is more than 3 years old, you might be able to secure a cheaper car insurance rate. Check out how much Jerry drivers are paying to insure their year Honda Civic with our real quote examples below:

2020 Honda Civic car insurance quotes

Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
Has Full Coverage
Civic 2020 Aspire Advantage $418 Rosa, 22, Vista, CA State Minimum Yes
Civic 2020 Bristol West $452 Bertha, 23, Unionville, CT State Minimum Yes
Civic 2020 National General $72 Olga, 26, San Jose, CA State Minimum No
Civic 2020 Bristol West $267 Fanny, 32, Newark, NJ 25/50 No
Civic 2020 National General $229 Janie, 33, Sun City, CA 25/50 Yes
Last Updated Nov, 2024

2019 Honda Civic car insurance quotes

Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
Has Full Coverage
Civic 2019 Bristol West $274 Ruby, 27, Glendale, AZ State Minimum Yes
Civic 2019 Bristol West $475 Sadie, 48, West Palm Beach, FL 100/300 Yes
Civic 2019 Bristol West $400 Anthony, 24, Everett, MA State Minimum No
Civic 2019 Mendota $268 Sally, 32, Gulfport, MS State Minimum Yes
Civic 2019 Aspire Advantage $126 Philip, 36, Lakeside, CA State Minimum Yes
Last Updated Nov, 2024

2018 Honda Civic car insurance quotes

Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
Has Full Coverage
Civic 2018 Trexis $97 Jacob, 26, Fayetteville, AR 25/50 No
Civic 2018 Dairyland $450 Marion, 27, Escondido, CA 50/100 Yes
Civic 2018 Progressive $168 Julian, 21, Lehigh Acres, FL State Minimum Yes
Civic 2018 National General $406 Landon, 29, Saint Paul, MN State Minimum Yes
Civic 2018 Bristol West $105 Mae, 38, Lowell, MA State Minimum Yes
Last Updated Nov, 2024

2017 Honda Civic car insurance quotes

Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
Has Full Coverage
Civic 2017 Progressive $211 Henrietta, 26, Macon, GA State Minimum No
Civic 2017 Progressive $93 Patrick, 30, Arlington, TX State Minimum Yes
Civic 2017 Bristol West $391 Sally, 26, Loganville, GA State Minimum Yes
Civic 2017 Electric $156 Justin, 35, Springfield, VA 30/60 No
Civic 2017 Trexis $298 Lela, 24, Dover, TN State Minimum Yes
Last Updated Nov, 2024

2016 Honda Civic car insurance quotes

Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
Has Full Coverage
Civic 2016 Gainsco $415 Edwin, 23, Nashville, TN State Minimum Yes
Civic 2016 Progressive $57 Lenora, 26, Greensboro, NC State Minimum Yes
Civic 2016 Progressive $317 Mike, 35, Covington, GA 50/100 Yes
Civic 2016 Progressive $62 Timothy, 48, Frederick, MD State Minimum Yes
Civic 2016 Aspire Advantage $101 Emma, 33, Harbor City, CA State Minimum No
Last Updated Nov, 2024

2015 Honda Civic car insurance quotes

Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
Has Full Coverage
Civic 2015 Bluefire $406 Ian, 21, Mabank, TX State Minimum Yes
Civic 2015 National General $154 Jay, 53, Long Beach, CA State Minimum Yes
Civic 2015 Progressive $74 Jose, 42, El Paso, TX State Minimum No
Civic 2015 National General $482 Verna, 21, Atlanta, GA State Minimum Yes
Civic 2015 Progressive $168 Jeremy, 27, Orlando, FL State Minimum No
Last Updated Nov, 2024

2014 Honda Civic car insurance quotes

Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
Has Full Coverage
Civic 2014 Progressive $88 Lillie, 23, Dayton, OH State Minimum No
Civic 2014 Gainsco $372 Fanny, 42, Summerville, SC State Minimum No
Civic 2014 Bristol West $204 Lela, 31, Phoenix, AZ State Minimum No
Civic 2014 National General $87 Fanny, 26, Azusa, CA State Minimum Yes
Civic 2014 Progressive $119 Antonio, 26, Washington, DC State Minimum No
Last Updated Nov, 2024

2013 Honda Civic car insurance quotes

Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
Has Full Coverage
Civic 2013 Anchor General $132 Josie, 29, Apple Valley, CA State Minimum No
Civic 2013 Progressive $240 Stephen, 31, Oakland Park, FL State Minimum No
Civic 2013 Progressive $403 Louise, 20, Providence, RI State Minimum No
Civic 2013 Electric $147 Chad, 46, Richmond, VA 30/60 No
Civic 2013 Progressive $209 Andrew, 22, Royse City, TX 50/100 No
Last Updated Nov, 2024

Are Honda Civics expensive to insure?

The average Honda Civic insurance rate is $97 per month. Compared to the national average for other models from a similar price range, it is 18% more expensive to insure a Honda Civic.

CarMonthly minimum coverage costMonthly full coverage cost
Honda Civic$97$180
Mitsubishi Lancer$103$186
Subaru Crosstrek$82$144
Fiat 500L$83$149
Mazda Protege$97$138

Why are similar cars more or less expensive to insure? When calculating the cost of your insurance, insurance companies take many factors into consideration. MSRP, trim level, model year, and the cost of repairs are some of the many factors that can influence how much your insurance costs.

Honda Civic safety ratings

Insurance companies also consider the safety ratings of a particular car to determine insurance premiums.

The two best-known vehicle safety rating organizations are:

  • Insurance Institute for Highway Safety (IIHS): The IIHS assesses the safety of a vehicle using two factors: how well vehicle occupants are protected in the event of a car crash, and how well the technology in the vehicle can prevent or reduce the severity of crashes.
  • National Highway Traffic Safety Administration (NHTSA): The NHTSA’s 5-Star Safety Rating is based on how vehicles perform in frontal, side and rollover crash tests.

See the tables below for a detailed look at safety ratings for the Honda Civic.

Insurance Institute for Highway Safety (IIHS) Rating

Rating typeRating
Small overlap front: driver-sideGood
Small overlap front: passenger-sideGood
Moderate overlap front: original testGood
Side: original testGood
Side: updated testAcceptable
Roof strengthGood
Head restraints & seatsGood
HeadlightsGood
Front crash prevention: vehicle-to-vehicleSuperior
Front crash prevention: vehicle-to-vehicle (day)Superior
Front crash prevention: vehicle-to-vehicle (night)Advanced
Moderate overlap front: updated testAcceptable
Seat belt remindersGood
LATCH ease of useGood

Honda Civic safety features

The safety features of a model will also impact your insurance costs.

A vehicle with more advanced safety features poses a lower risk to insurance companies. As a result, insurance costs will be lower for vehicles with more (and better) safety features.

The Honda Civic has a variety of safety features. Learn more about them below.

Safety featureDescription
PretensionersSeatbelt pretensioners automatically tighten seatbelts to place the occupant in the optimal seating position during a collision.
Stability controlStability control automatically senses when the vehicles handling limits have been exceeded and reduces engine power and/or applies select brakes to help prevent the driver from losing control of the vehicle.
Security systemThe vehicle is equipped with a means of anticipating and/or detecting unwanted vehicle intrusion. The vehicle is equipped with an ignition disable device that will prevent the engine from starting if the correct original manufacturer key is not used.
Overhead airbagsOverhead airbags are used to protect the occupant’s heads in the event of a side collision or rollover.
Anti-lock brakesABS brakes automatically sense when a tire has stopped rotating under extreme braking, and will modulate the brake pressure to allow the tire to rotate. This increases the vehicles ability to turn while braking.
Side impact airbagsSide impact airbags for the front and rear seats have been designed to protect the torso during a side impact collision.
Knee airbagsKnee airbags help to protect the occupants lower extremities from serious injury in the event of an accident.
Front-impact airbagsFront-impact airbags for the driver and passenger have been designed to protect the head during a frontal crash.

What other factors affect Honda Civic insurance rates?

Many factors influence your car insurance rate, such as:

  • The kind of car you have: Collision and comprehensive coverage are more costly for luxury, high-performance, and sports cars.
  • Your age: Driver age affects insurance rates too. Drivers under 25 years of age will pay higher insurance rates. Insurance companies consider young drivers to be high risks due to their limited driving experience.
  • Your driving record and claims history: Insurance companies will charge more if you have a history of accidents or tickets.

Honda Civic insurance cost for young drivers

Teen drivers between the ages of 16 and 19 face the highest insurance costs out of any age group. For teen car owners driving a newer car, full coverage insurance offers better financial protection, since teenagers are more likely to get into accidents.

Honda Civic insurance cost for senior drivers

As you enter your mid-70s, car insurance costs begin to climb again. Car insurance rates for seniors tend to be higher for several reasons.

Older drivers are more likely to be involved in accidents, and are also more vulnerable to severe injuries in the event of a collision, leading to significant medical expenses and other increased costs for insurance providers.

Honda Civic insurance cost for drivers with driving violations

Your driving record impacts your auto insurance quotes. Those with a clean driving record are rewarded with lower insurance premiums.

If insurance companies notice a history of violations, they’ll see you as a higher risk and charge you a steeper rate. Some common violations that could increase your insurance rates include:

  • Speeding
  • DUIs
  • At fault accident
  • Reckless driving
  • Driving on a suspended license

Cheapest car insurance for Honda Civic drivers with speeding ticket

There are varying degrees of speeding. For example, speeding 1-5 MPH over the limit, 6-10 MPH over the limit generally won’t raise your rates as much as speeding over 21 MPH over the limit.

Jerry is proud to help Honda Civic drivers with varying speeding tickets save on car insurance.

Speeding Type
Car
Insurance Company
Premium (monthly)
Customer
Insurance coverage
Has Full Coverage
Speeding Violation-Minor Honda Civic Lx Bristol West $391 Sally, 26, Loganville, GA State Minimum Yes
Speeding Violation-Major Honda Civic Sport Trexis $97 Jacob, 26, Fayetteville, AR 25/50 No
Speeding Violation-Major Honda Civic Lx Bluefire $406 Ian, 21, Mabank, TX State Minimum Yes
Speeding 16-20 Honda Civic Si National General $82 Alex, 32, Mechanicsville, VA 30/60 Yes
Speeding Violation-Major Honda Civic Ex Progressive $248 Jeffery, 36, San Antonio, TX 50/100 Yes
Last Updated Nov, 2024

Cheapest car insurance for Honda Civic drivers with a DUI record

If you have a DUI offense on your record, car insurance rates can vary significantly from one insurance company to another.

You may need to compare rates from many insurance companies to find low-cost options after a DUI. Jerry has helped many Honda Civic drivers obtain affordable auto insurance rates after a DUI.

Cheapest car insurance for Honda Civic drivers after an accident

One of the most important factors affecting car insurance rates is your car accident or claim history.

If you were involved in an at-fault accident in the recent past, your car insurance rates could skyrocket. Jerry has helped many Honda Civic drivers save on car insurance after car accidents.

Accident type
Car
Insurance Company
Premium (monthly)
Customer
Insurance coverage
Has Full Coverage
At Fault With No Injury Honda Civic Lx Gainsco $415 Edwin, 23, Nashville, TN State Minimum Yes
At Fault With No Injury Honda Civic Lx National General $90 Della, 63, Kissimmee, FL No Coverage Yes
Not At Fault Honda Civic Lx Bristol West $391 Sally, 26, Loganville, GA State Minimum Yes
At Fault With No Injury Honda Civic Lx Bristol West $274 Ruby, 27, Glendale, AZ State Minimum Yes
At Fault With No Injury Honda Civic Lx Bristol West $475 Sadie, 48, West Palm Beach, FL 100/300 Yes
Last Updated Nov, 2024

Cheapest car insurance for Honda Civic drivers with other driving violations on their record

Other driving violations have the power to impact the cost of your insurance, too. In addition to speeding tickets and DUIs, other violations such as reckless driving and driving on a suspended license can also cause your car insurance costs to increase.

We’ve compiled a list of various other driving violations and how we helped Honda Civic drivers with these violations save on their car insurance.

Violation
Car
Insurance Company
Premium (monthly)
Customer
Insurance coverage
Has Full Coverage
Other Minor Honda Civic Lx Bristol West $475 Sadie, 48, West Palm Beach, FL 100/300 Yes
Other Minor Honda Civic Lx National General $406 Landon, 29, Saint Paul, MN State Minimum Yes
Driving Left of Center Honda Civic Si Trexis $298 Lela, 24, Dover, TN State Minimum Yes
DUI Honda Civic Lx National General $94 Sylvia, 34, Wayzata, MN State Minimum No
Other Minor Honda Civic Lx Assurance America $184 Bessie, 35, Winter Garden, FL No Coverage No
Last Updated Nov, 2024

How can I lower the cost of insurance for my car?

There are a variety of ways to lower insurance costs for your vehicle.

  • Shop around: Shopping around for insurance coverage by comparing quotes from different insurance providers allows you to find the best coverage at the best price. Jerry makes this process easy by gathering quotes from over 55 top insurance companies in minutes, so you can compare prices. If you find a better deal, Jerry can even help you buy your new policy and cancel your old one.
  • Raise your deductible: Your car insurance deductible is the amount of money you pay out of pocket before your collision or comprehensive coverage kicks in. Raising your deductible reduces monthly insurance payments—but avoid raising it higher than you can afford to pay.
  • Reduce your coverage: If you have any older cars, you can reduce coverage on them to lower your bill. This is a good idea if your car is worth less than 10 times the premium you’re paying.
  • Research discounts: All insurance companies offer discounts, but they’re not always advertised, and your eligibility may vary from provider to provider. Check with your current insurer to see what discounts you might be missing out on.
  • Bundle your insurance policies: Bundling your homeowners and auto insurance with the same company can amount to a lower overall bill.

FAQ

  • How much is car insurance for a Honda Civic?
  • What are some tips for finding affordable insurance for a Honda Civic?
  • What factors affect the cost of insurance for a Honda Civic?
  • What are the most affordable insurance options for a Honda Civic?
MEET OUR EXPERTS
meet-experts-thumbnail
Maria Cruz

Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.

meet-experts-thumbnail
Kianna Walpole

Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.

meet-experts-thumbnail
Josh Damico

As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.

Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.

Josh holds a bachelor’s degree in business administration and management from Medaille College.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.

Insurance research

We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).

We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.

For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.

Team

The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

For illustrative purposes only, results may vary

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article represent the author’s personal opinions and do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.