The Honda Civic is a compact car that first debuted in the U.S. in 1983 and is known for setting records in longevity, safety, and reliability. The Civic comes in many variations, including hatchback, sedan, hybrid, and sports car, and remains one of the best-selling passenger cars in the country after several decades. No matter which type of Civic you drive, it needs to be protected with the right car insurance.
When it's time to find the best Honda Civic insurance, an independent insurance agent can assist you. These agents know where to get the right insurance for a Honda Civic at a great rate. But first, here's a behind-the-scenes look at how much it costs to insure a Civic by model year and top-rated insurance company in 2026.
Key Takeaways - Honda Civic Car Insurance
Honda Civic insurance costs an average of $1,916 per year, or approximately $160 per month, for full coverage in 2026.
USAA, Progressive, and American Family are the cheapest carriers for model-year 2025 Honda Civic insurance this year.
Honda Civic insurance costs vary considerably by state, with drivers in Wyoming paying an average of only $29 monthly for minimum coverage, while those in Louisiana pay $165.
Your age, location, credit, vehicle trim level, and driving history can all impact the cost of Honda Civic insurance.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Honda Civic model.
What Is Honda Civic Insurance?
Honda Civic insurance is just a type of car insurance policy that includes customized coverage options for your specific vehicle. As a compact sedan, the Civic likely doesn't require any additional coverage beyond that of other standard cars. The Civic's average car insurance rates also trend cheaper than those for similar vehicles in its class.
Recommended coverage options for Honda Civic drivers:
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving a driver who is uninsured or underinsured, or after a hit-and-run.
Add-on coverage options worth considering for a Honda Civic:
- Honda warranty insurance: This can extend Honda's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Honda parts during the repair process.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
- Gap insurance: If you have a new or financed Honda vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
You're likely required to have certain types of car insurance by law in your state. A local independent insurance agent can help you satisfy your state's car insurance requirements for a Honda Civic.
How Much Does Honda Civic Insurance Cost?
The average cost of car insurance for a Honda Civic is $1,916 per year, or approximately $160 per month, for full coverage. However, several factors can influence the cost of Honda insurance, including:
- The specific type of Civic you drive
- The types and amount of coverage you need
- Your credit score (where allowed)
- Your driving history
- Vehicle safety features
- Annual mileage
- Your location
- Your claims history
An independent insurance agent can help you find the most affordable coverage, whether you're looking for Honda Civic full coverage insurance or a basic Honda Civic liability insurance policy.
Is the Honda Civic Expensive to Insure?
No, the Honda Civic isn't expensive to insure on average. The average monthly cost of Honda Civic auto insurance is $160, while the average for other sedans is $203. The Civic's average rates are also cheaper than those of other vehicles by Honda.
| Vehicle | Average Monthly Cost of Car Insurance |
| Honda Civic | $160 |
| All Hondas | $186 |
| All Sedans | $203 |
Honda Civic Insurance Costs by Model Year
Next, we'll break down several model years of the Honda Civic and the average insurance costs for each.
| Model Year | Average Annual Cost of Car Insurance |
| 2026 Honda Civic* | $1,480 |
| 2025 Honda Civic | $1,330 |
| 2024 Honda Civic | $994 |
| 2023 Honda Civic | $578 |
| 2022 Honda Civic | $585 |
| 2021 Honda Civic | $603 |
| 2020 Honda Civic | $748 |
| 2019 Honda Civic | $382 |
| 2018 Honda Civic | $378 |
| 2017 Honda Civic | $501 |
| 2016 Honda Civic | $592 |
| 2015 Honda Civic | $639 |
| 2014 Honda Civic | $587 |
| 2013 Honda Civic | $542 |
| 2012 Honda Civic | $394 |
| 2011 Honda Civic | $436 |
| 2010 Honda Civic | $453 |
*Note: The 2026 Civic's average rates are a projection based on the evaluation of inflation trends and current market data.
Cheapest Honda Civic Car Insurance Companies for 2026
Many car insurance companies across the nation offer affordable Honda Civic auto insurance. These top-rated car insurance carriers provide the cheapest model-year 2025 Honda Civic insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| USAA | $1,699 |
| Progressive | $1,711 |
| American Family | $1,828 |
| Erie | $2,106 |
| Nationwide | $2,262 |
| Allstate | $4,335 |
Honda Civic Car Insurance Rates by State
Location is one of the biggest factors that influence car insurance costs. Here are some average auto insurance rates for the Honda Civic by state for 2026.
| State | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| Alabama | $68 | $128 |
| Alaska | $58 | $124 |
| Arizona | $97 | $181 |
| Arkansas | $65 | $144 |
| California | $78 | $158 |
| Colorado | $77 | $183 |
| Connecticut | $115 | $198 |
| Delaware | $118 | $198 |
| Florida | $109 | $251 |
| Georgia | $122 | $201 |
| Hawaii | $44 | $98 |
| Idaho | $45 | $91 |
| Illinois | $74 | $138 |
| Indiana | $52 | $102 |
| Iowa | $43 | $105 |
| Kansas | $58 | $134 |
| Kentucky | $102 | $173 |
| Louisiana | $165 | $354 |
| Maine | $41 | $86 |
| Maryland | $128 | $216 |
| Massachusetts | $84 | $177 |
| Michigan | $125 | $240 |
| Minnesota | $66 | $137 |
| Mississippi | $69 | $137 |
| Missouri | $92 | $184 |
| Montana | $55 | $131 |
| Nebraska | $58 | $131 |
| Nevada | $148 | $267 |
| New Hampshire | $57 | $100 |
| New Jersey | $136 | $224 |
| New Mexico | $66 | $147 |
| New York | $100 | $179 |
| North Carolina | $67 | $131 |
| North Dakota | $47 | $102 |
| Ohio | $61 | $119 |
| Oklahoma | $74 | $163 |
| Oregon | $103 | $179 |
| Pennsylvania | $68 | $160 |
| Rhode Island | $102 | $181 |
| South Carolina | $84 | $157 |
| South Dakota | $42 | $127 |
| Tennessee | $63 | $128 |
| Texas | $103 | $211 |
| Utah | $88 | $150 |
| Vermont | $36 | $86 |
| Virginia | $77 | $125 |
| Washington | $76 | $140 |
| West Virginia | $69 | $140 |
| Wisconsin | $52 | $114 |
| Wyoming | $29 | $90 |
Average Honda Civic Insurance Rates by Driver Age and Profile
Your age, credit, and driving history are also major factors that can influence the cost of car insurance. Teens and young drivers pay the most, by far, on average for Honda Civic insurance. Drivers with poor credit or traffic violations on their records also tend to pay much more for auto insurance.
Car insurance rates typically begin to drop dramatically around age 25. Once a driver reaches about age 65, car insurance costs start to gradually climb again through their senior years. Here are some average insurance rates for the Honda Civic by driver age and profile for 2026.
| Driver Age | Clean Record | Accident on Record | Poor Credit |
| 18 | $7,248 | $10,688 | $12,483 |
| 20 | $5,640 | $8,296 | $9,650 |
| 25 | $3,323 | $4,879 | $5,639 |
| 30 | $2,557 | $3,803 | $4,407 |
| 35 | $2,447 | $3,508 | $4,149 |
| 40 | $2,304 | $3,419 | $3,951 |
| 45 | $2,250 | $3,323 | $3,875 |
| 55 | $2,095 | $2,979 | $3,584 |
| 65 | $2,105 | $3,200 | $3,643 |
| 75 | $2,679 | $3,997 | $4,692 |
Average Honda Civic Insurance Rates by Trim Level
Your vehicle's specific trim level can also affect the cost of auto insurance. For example, the Honda Civic Sport has an average monthly minimum coverage premium of only $104, while the Honda Civic SI's average monthly premium is $116, and the Honda Civic Type R's is $174. Here are some average rates for Honda Civic insurance by trim level in 2026.
| Trim Level | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| DX Hatchback 2D | $63 | $121 |
| CX Hatchback 2D | $63 | $121 |
| SI Mugen Sedan 4D | $65 | $125 |
| EX Special Edition Sedan 4D | $67 | $129 |
| DX Sedan 4D | $73 | $140 |
| VP Sedan 4D | $73 | $141 |
| HX Coupe 2D | $74 | $143 |
| LX Coupe 2D | $76 | $146 |
| Hybrid Sedan 4D | $76 | $146 |
| HF Sedan 4D | $77 | $148 |
| GX Sedan 4D | $77 | $149 |
| EX Coupe 2D | $78 | $150 |
| LX Sedan 4D | $79 | $152 |
| EX-L Sedan 4D | $80 | $154 |
| EX-L Coupe 2D | $80 | $154 |
| EX-T Coupe 2D | $80 | $155 |
| LX Special Edition Coupe 2D | $80 | $155 |
| EX Sedan 4D | $80 | $155 |
| SI Coupe 2D | $81 | $156 |
| Touring Coupe 2D | $81 | $157 |
| SI Sedan 4D | $83 | $161 |
| EX Hatchback 4D | $84 | $162 |
| Type R Touring Hatchback Sedan 4D | $84 | $163 |
| Sport Hatchback 4D | $85 | $164 |
| SE Sedan 4D | $85 | $165 |
| LX Hatchback 4D | $86 | $166 |
| Sport Sedan 4D | $86 | $167 |
| Value Sedan 4D | $87 | $168 |
| Sport Coupe 2D | $88 | $170 |
| Touring Sedan 4D | $89 | $172 |
| EX-L Hatchback 4D | $91 | $177 |
| Sport Touring Hatchback 4D | $93 | $180 |
| LX | $94 | $182 |
| SI Hatchback 2D | $100 | $192 |
| EX | $103 | $200 |
| Sport | $104 | $203 |
| EX-L | $109 | $211 |
| SI | $116 | $224 |
| Touring | $116 | $224 |
| Sport Touring | $121 | $235 |
| Type R Touring Hatchback Sedan 4D | $145 | $281 |
| Type R Limited Edition Hatchback Sedan 4D | $155 | $301 |
| Type R Hatchback Sedan 4D | $171 | $331 |
| Type R | $174 | $338 |
Best Honda Civic Insurance Discounts: How to Lower Your Honda Civic Insurance Premiums
Though Honda Civic insurance tends to be affordable, why not save even more money when possible? Follow any of these easy steps below to increase your Honda Civic insurance savings:
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Ask about Honda Civic insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Ask about telematics programs: Your insurance company or Honda may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Compare quotes from multiple carriers: Comparing Honda Civic insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Honda Civic insurance from a trusted carrier near you.
Working with a local independent insurance agent is the best way to save the most money possible on Honda Civic insurance. They know where to find the biggest discounts and even more ways to score huge savings.
An Independent Insurance Agent Can Help You Get the Best Honda Civic Insurance Quotes
When it's time to find the most affordable Honda Civic insurance, no one's better equipped to help than a local independent insurance agent. Your agent knows which local carriers deliver the best overall blend of Honda Civic insurance coverage and cost.
Even better, they'll help you score any discounts you're eligible for to bring your premium rates down even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Honda Civic Insurance
How much does Honda Civic insurance cost per year?
The average annual cost of full coverage for a Honda Civic is $1,916 per year, or approximately $160 per month. The cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase Honda Civic insurance premiums?
If you've filed claims in the past, have accidents or other violations on your driving record, have poor credit, drive an expensive trim model, or live in a high-theft area, these factors can all increase the cost of Honda Civic insurance.
Is the Honda Civic expensive to insure?
No, the Honda Civic isn't expensive to insure on average. The cost of a six-month full coverage policy is only $958.
What are the best and cheapest carriers for Honda Civic insurance in 2026?
We found that USAA, Progressive, and American Family are the best and cheapest car insurance companies for model-year 2025 Honda Civic insurance this year.
Is insurance cheaper for the Civic than for other sedans?
Yes, the Honda Civic's average insurance rates are cheaper than those for other sedans. While the Civic's average full coverage rates are just $160 per month, other sedans average $203 per month.
How can I get cheaper Honda Civic insurance?
Finding cheaper Honda Civic insurance is easy when you work with an independent insurance agent, who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
Sources
https://www.moneygeek.com/insurance/auto/honda-civic-insurance/
https://www.thezebra.com/auto-insurance/vehicles/honda/civic/
https://www.insuranceopedia.com/auto-insurance/honda-civic-car-insurance