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Jerry Data & Research
Cheapest 2016 Honda Civic Car Insurance (May 2024)
Cheapest 2016 Honda Civic Car Insurance (May 2024)
Jerry shops for and compares auto insurance quotes from dozens of trusted providers—including State Farm, GEICO, USAA, Progressive, and Liberty Mutual—to help you lock in cheap car insurance for your 2016 Honda Civic
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Maria Cruz
Expert Insurance Writer & Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Sarah Gray, Licensed Insurance Agent — Expert Insurance Writer and Editor
What's on this page?
- How much does car insurance cost for a 2016 Honda Civic ?
- Compare the cheapest 2016 Honda Civic car insurance quotes
- The best car insurance companies for 2016 Honda Civic owners
- How expensive is 2016 Honda Civic insurance compared to other years?
- Are 2016 Honda Civics expensive to insure?
- Methodology
- Meet our experts
Load full table of contents
How much does car insurance cost for a 2016 Honda Civic ?
On average, it costs $1,202 annually for state minimum coverage on a 2016 Honda Civic ,but car insurance rates ultimately come down to a few determining factors like car make, model, safety features, and a driver’s profile.
Compare the cheapest 2016 Honda Civic car insurance quotes
Many Honda Civic drivers use Jerry to find and secure the cheapest auto insurance rates for their vehicle from top insurance providers. The average Jerry user saves $1,804 every year on their insurance, and below are just a few of the free quotes the app found.
| Date | Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|---|
April 29, 2024 | Allstate | $67 | Mike, 37 | • State Minimum Liability | |
April 29, 2024 | Nationwide | $95 | Bruce, 29 | • 50,000/100,000 Liability • Comp / Collision | |
April 28, 2024 | Progressive | $73 | Cole, 29 | • 50,000/100,000 Liability • Comp / Collision | |
April 20, 2024 | Travelers | $180 | Flora, 34 Toledo, IA | • 100,000/300,000 Liability • Comp / Collision | |
April 17, 2024 | Infinity | $194 | Cynthia, 24 | • State Minimum Liability |
Last Updated Apr 29, 2024That said, the cost of insurance typically boils down to a number of factors, not just the kind of vehicle you have. The only way to lock in the best rates for you is to get quotes from at least three different insurance companies.
The best car insurance companies for 2016 Honda Civic owners
Because every driver is different, there isn’t one provider who offers the best rates for every motorist. However, Jerry conducted the largest insurance shopping survey in the nation to help drivers find what makes the most sense for them—not only in price, but in customer service as well.
Have a look at how 2016 Honda Civic owners rated different providers.
| Insurance Company | Overall Rating | Price | Claims Experience | Customer Service |
|---|---|---|---|---|
| Safeco | 4.6 | 4.4 | 4 | 4.5 |
| Travelers | 4.5 | 4.2 | 4.4 | 4.5 |
| Progressive | 4.3 | 3.9 | 3.9 | 4.3 |
| AAA | 4.2 | 4 | 3.8 | 4.4 |
| Allstate | 4.2 | 3.6 | 3.8 | 4.2 |
| USAA | 4 | 3.5 | 4.5 | 4.2 |
| State Farm | 4 | 3.4 | 3.8 | 4.2 |
| Farmers | 4 | 3.4 | 4.1 | 3.9 |
| Geico | 3.9 | 3.3 | 3.9 | 4 |
Liberty Mutual | 3.7 | 3.2 | 3.5 | 3.7 |
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'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.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average 2016 Honda Civic insurance costs
The average cost of insurance for a 2016 Honda Civic is $89 per month for minimum liability insurance coverage, or $1,068 annually. If you’re looking to upgrade to full coverage, the cost can climb to an average of $189 every month, or $2,268 each year.
| Insurance Coverage | Average insurance cost (monthly) | Average insurance cost (yearly) |
|---|---|---|
State minimum coverage | $89 | $1,068 |
Full coverage | $189 | $2,268 |
State minimum liability coverage
is insurance mandated by state laws, and only covers motorists up to the bare minimum limits. State minimums typically include some form of liability insurance
, and in some states may require uninsured/underinsured motorist coverage
and/or personal injury protection
.On the other hand,
full coverage
offers collision
and comprehensive coverage
, which often aren’t required by law, but may be required by lenders if you lease your vehicle. Full coverage insurance also provides a wider range of protection for your car against accidents, vandalism, theft, or even acts of god.Compare insurance information for other Hondas
2016 Honda Civic insurance costs by trim level
Insurance on your Civic is also influenced by your trim level. Upper trims often come with more advanced safety features or luxurious upgrades, both of which can raise the vehicle’s MSRP, insurance prices, and repair costs.
| Car Model & Trim | Average full coverage insurance cost | Average minimum coverage insurance cost |
|---|---|---|
2016 EX | $190 | $80 |
2016 EXL | $200 | $99 |
2016 LX | $186 | $96 |
2016 Touring | $181 | $88 |
How expensive is 2016 Honda Civic insurance compared to other years?
New vehicles are generally more expensive to insure than older models on account of improved components that are more costly to repair or replace. On the flip side, newer models tend to come with better safety features and higher Insurance Institute for Highway Safety (IIHS) ratings, which can lower the cost of car insurance. Some providers also offer motorists a discount if their vehicle model is less than three years old.
You can use the table below to compare average insurance costs of a 2016 Civic and other Honda Civic model years.
| Car | Minimum Coverage | Full Coverage |
|---|---|---|
1988 Honda Civic | $56 | $154 |
1991 Honda Civic | $36 | $49 |
1995 Honda Civic | $78 | $157 |
1997 Honda Civic | $81 | $159 |
1998 Honda Civic | $100 | $127 |
1999 Honda Civic | $93 | $178 |
2000 Honda Civic | $101 | $198 |
2001 Honda Civic | $95 | $169 |
2002 Honda Civic | $99 | $149 |
2003 Honda Civic | $95 | $190 |
2004 Honda Civic | $104 | $142 |
2005 Honda Civic | $101 | $172 |
2006 Honda Civic | $95 | $164 |
2007 Honda Civic | $96 | $176 |
2008 Honda Civic | $95 | $159 |
2009 Honda Civic | $96 | $152 |
2010 Honda Civic | $95 | $154 |
2011 Honda Civic | $90 | $162 |
2012 Honda Civic | $94 | $168 |
2013 Honda Civic | $95 | $179 |
2014 Honda Civic | $109 | $162 |
2015 Honda Civic | $102 | $173 |
2016 Honda Civic | $89 | $189 |
2017 Honda Civic | $107 | $195 |
2018 Honda Civic | $98 | $200 |
2019 Honda Civic | $105 | $195 |
2020 Honda Civic | $99 | $190 |
2021 Honda Civic | $93 | $187 |
2022 Honda Civic | $92 | $212 |
2023 Honda Civic | $102 | $193 |
Are 2016 Honda Civics expensive to insure?
The average cost of insurance for a 2016 Honda Civic is $89 every month. Compared to similar models, the Civic has some of the cheapest car insurance.
| Model | Avg. Minimal Coverage Insurance Cost | Avg. Full Coverage Insurance Cost |
|---|---|---|
2016 Subaru Forester | $72 | $137 |
2016 Fiat 500 | $74 | $149 |
2016 Mitsubishi Outlander | $88 | $198 |
2016 Honda Civic | $89 | $189 |
2016 Mazda 3 | $94 | $185 |
Let’s take a look at how the safety features of a Honda Civic break down, according to the National Highway Traffic Safety Administration safety ratings.
| Rating Type | Rating |
|---|---|
Driver's | |
Passenger's | |
Overall Front | |
Overall Side | |
Overall Rollover Rating | |
Overall | |
Side - Pole | |
Side Barrier Rating Driver | |
Side Barrier Rating Passenger Rear Seat | |
Side - Barrier | |
Side - Pole Barrier combined (FRONT) | |
Side - Pole Barrier combined (REAR) | |
Front Seat | |
Rear Seat |
What other factors affect 2016 Honda Civic insurance rates?
When providers determine final quotes, here are some of the major factors they consider:
- Vehicle type: Full coverage often costs more for luxury, sports, or high-performance vehicles.
- Driver age: Younger and more senior drivers tend to pay more for insurance as they’re frequently considered higher liability risks on the road.
- Your record. Your driving history will also play a role in how much you pay because any violations will spike your insurance costs.
- Car storage. Insurance rates vary across states and even ZIP codes, meaning if you store your vehicle in a location with higher theft rates or accidents, you’ll usually pay more.
2016 Honda Civic insurance costs for young drivers
The Honda Civic is a popular car among young drivers, but insurance will still be quite expensive for a few years. On average,
teen drivers
pay the highest rates because providers see them as bigger risks on the road.
Herbert (24 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$111
per month
Joseph (22 years old)
Coverage25,000 per person
50,000 per accident bodily injury
Comp / Collision
$615
per month
2016 Honda Civic insurance costs for senior drivers
On the other hand, senior motorists tend to pay the lowest rates for insurance because providers consider them established drivers. The only catch is that motorists over the age of 70 could experience a rate hike as slowing reflexes lead to a higher likelihood of accidents or driver error.
Leroy (66 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$346
per month
2016 Honda Civic insurance cost for drivers with driving violations
A spotty driving record can lead to higher insurance, particularly for violations or any recent claims you may have filed.
Here are some Honda Civic insurance rates Jerry users were able to secure, even with violations on their record.
| Violation | Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|---|
Illegal Turn | Progressive | $136 | Micheal, 32 | • State Minimum Liability • Comp / Collision | |
Defective Equipment | Allstate | $173 | Marguerite, 31 | • 100,000/300,000 Liability • Comp / Collision | |
Failure to Obey Signal | Safeco | $106 | Cecilia, 39 | • State Minimum Liability • Comp / Collision | |
Cell Phone | National General | $60 | Carl, 32 | • State Minimum Liability | |
Careless Driving | Nationwide | $82 | Travis, 34 | • 50,000/100,000 Liability • Comp / Collision | |
Driving on Sus. License | Clearcover | $123 | Cameron, 38 | • 100,000/300,000 Liability • Comp / Collision | |
Failure to Yield | Progressive | $104 | Erik, 35 | • State Minimum Liability • Comp / Collision | |
Improper Passing | Progressive | $270 | Mollie, 24 | • State Minimum Liability • Comp / Collision |
Last Updated May 1, 2024How can I lower the cost of insurance for my 2016 Honda Civic?
There are several ways you can save further on insurance, both through
smart shopping strategies
and car insurance discounts
:- Compare quotes: You should always compare at least three different quotes before choosing which provider you want to go with.
- Use a broker:Brokerswork for you, not for a provider, so they always have your best interest in mind.
- Bundle policies. More often than not, an insurance provider has discounts in place for policyholders whobundletheir auto insurance policy with homeowner or renters insurance.
- Look into discounts: Many insurance companies have discounts in place to help you save, oftentimes for low effort things like going paperless, buying a new vehicle, or setting up autopay.
- Enroll in usage-based programs: Major insurance companies often offer policyholders a discount for engaging in telematics systems that track their driving.
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.
Meet our experts
Maria Cruz
Expert Insurance Writer & Editor
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.
Sarah Gray
Licensed Insurance Agent — Expert Insurance Writer and Editor
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.
Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*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.
