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Cheapest 2016 Honda Civic Car Insurance (Feb 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
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Maria Cruz
Expert Insurance Writer & Editor
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Sarah Gray, Licensed Insurance Agent — Expert Insurance Writer and Editor

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.
To find an accurate estimate on Honda Civic insurance premiums, use
Jerry
to comparison shop.

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.
DateCarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
February 23, 2024
Allstate
$67
• State Minimum Liability
February 23, 2024
Nationwide
$95
• 50,000/100,000 Liability
• Comp / Collision
February 14, 2024
Travelers
$180
• 100,000/300,000 Liability
• Comp / Collision
February 10, 2024
Plymouth Rock
$236
• 15,000/30,000 Liability
• Comp / Collision
February 10, 2024
Progressive
$141
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Feb 23, 2024
That 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 CompanyOverall RatingPriceClaims ExperienceCustomer 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
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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.
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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 CoverageAverage 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.

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 & TrimAverage full coverage insurance costAverage minimum coverage insurance cost
$190
$80
$200
$99
$186
$96
$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.
CarMinimum CoverageFull 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.
ModelAvg. Minimal Coverage Insurance CostAvg. Full Coverage Insurance Cost
2016 Mitsubishi Outlander
$88
$198
2016 Subaru Legacy
$88
$158
2016 Honda Civic
$89
$189
2016 Fiat 500X
$101
$197
2016 Mazda CX-9
$106
$184

2016 Honda Civic
NHTSA safety ratings

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 TypeRating
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.
card cover
Jeremy (24 years old)
coverageCoverage
State Minimum
locationFalls Creek, PA
$130
per month
card cover
Herbert (24 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$111
per month
card cover
Isabel (24 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationWest Liberty, IA
$94
per month
card cover
Joseph (22 years old)
coverageCoverage
25,000 per person
50,000 per accident bodily injury
Comp / Collision
$615
per month
card cover
Darrell (23 years old)
coverageCoverage
State Minimum
$215
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.
card cover
Leroy (66 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$346
per month
card cover
Clearcover
Cory (80 years old)
coverageCoverage
State Minimum
$137
per month
card cover
Mayme (77 years old)
coverageCoverage
State Minimum
$63
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.
ViolationCarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Illegal Turn
Progressive
$136
• State Minimum Liability
• Comp / Collision
Defective Equipment
Allstate
$173
• 100,000/300,000 Liability
• Comp / Collision
Failure to Obey Signal
Safeco
$106
• State Minimum Liability
• Comp / Collision
Cell Phone
National General
$60
• State Minimum Liability
Careless Driving
Nationwide
$82
• 50,000/100,000 Liability
• Comp / Collision
Driving on Sus. License
Clearcover
$123
• 100,000/300,000 Liability
• Comp / Collision
Failure to Yield
Progressive
$104
• State Minimum Liability
• Comp / Collision
Improper Passing
Progressive
$270
• State Minimum Liability
• Comp / Collision
coverageLast Updated Feb 25, 2024

How 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:
    Brokers
    work 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 who
    bundle
    their 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

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R.E. Fulton
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Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
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Lina Zhang
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Licensed Insurance Agent
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Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
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Josh Damico
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Head Of Insurance Operations
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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.