Jane Dotson
Honda Civic insurance rates vary depending on several factors, including the driver's age, location, driving history, and chosen coverage. Generally, Honda Civics are considered expensive to insure, with some owners reporting monthly insurance payments of over $500. The cost to insure a Honda Civic is relatively high due to the vehicle's high theft rates and the likelihood of it being parked outside, in unsecured parking, or in neighbourhoods with higher crime rates. The age of the vehicle also plays a role, with newer Honda Civics typically costing more to insure than older models. However, collector and classic vehicles can be more expensive to insure. Safety features can help lower insurance costs, and the Honda Civic's impressive safety ratings and crash test scores may reduce its insurance premium.
| Characteristics | Values |
|---|---|
| Average insurance cost for a Honda Civic per year | 2,410 |
| Average insurance cost for a Honda Civic per month | $119 |
| Average insurance cost for a Honda Civic for a 40-year-old male with a clean driving record per year | $1,423 |
| Average insurance cost for a Honda Civic for a 40-year-old male with a clean driving record per month | $119 |
| Average insurance cost for a Honda Civic for a 40-year-old per year | $1,435 |
| Average insurance cost for a Honda Civic for a 16-year-old per year | $6,237 |
| Average insurance cost for an 18-year-old driving a Honda Civic per year | $9,014 |
| Average insurance cost for a Honda Civic in New York City per year | $2,316 |
| Average insurance cost for a Honda Civic in Los Angeles per year | $3,961 |
| Cheapest insurance for a Honda Civic per year | $92 (State Farm) |
| Cheapest insurance for a Honda Civic per month | $77 (State Farm) |
| Average insurance cost for a Honda Civic for a 26-year-old male with a clean driving record per month | $136 (Farm Bureau) |
| Average insurance cost for a Honda Civic for a 22-year-old male with a clean driving record per month | $155 (GEICO) |
| Average insurance cost for a Honda Civic for a 23-year-old with a Canadian license obtained at 21 per month | $305 (CAD) |
| Average insurance cost for a Honda Civic for a 24-year-old with a speeding ticket per year | $350 (USAA) |
| Average insurance cost for a Honda Civic for a 24-year-old with a clean driving record per month | $210 |
| Average insurance cost for a Honda Civic for a 22-year-old male per month | $170 |
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What You'll Learn
Honda Civic insurance costs vary by state
The insurance cost of a Honda Civic varies depending on several factors, including the state in which the car is registered. The average insurance cost for a Honda Civic in 2025 is $2,410 per year. However, this cost can vary significantly depending on the state. For example, in the top 10 US cities by population, the rates for a Honda Civic range from $2,316 in New York City to $3,961 in Los Angeles.
State laws and a state's no-fault vs tort classification also impact insurance rates. States like Michigan tend to have higher insurance rates for Honda Civics because they mandate much higher coverage levels. On the other hand, states like California, Hawaii, and Massachusetts do not allow providers to adjust rates based on credit history, which can result in lower insurance costs for Honda Civic owners in those states.
Other factors that influence Honda Civic insurance rates include the age of the driver, driving record, credit score, garaging address, annual mileage, past insurance claims, model of the vehicle, and coverage limits. Additionally, insurance rates can differ between providers for the same coverage, so it is essential to compare quotes from multiple companies to find the most competitive cost.
It is worth noting that vehicles with anti-theft features, such as the Honda Civic's standard security system, may qualify for lower insurance premiums. Furthermore, older models of the Honda Civic tend to have lower insurance costs, with full coverage for a 2022 model averaging $1,556 annually, while a 2009 model costs around $1,286.
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Young drivers pay more for Honda Civic insurance
The Honda Civic is one of the most popular cars in the US, with the average insurance cost being $2,410 per year. However, insurance rates can vary significantly depending on various factors, including the driver's age, location, driving history, and chosen coverage.
Younger drivers, typically those aged 16 to 25, pay higher insurance rates for the Honda Civic. For example, a 16-year-old driver can expect to pay an average of $6,237 per year for full coverage, while a 40-year-old driver with a clean record would pay around $1,423 annually. The cost of insurance for an 18-year-old driver of a Honda Civic is even higher, averaging $9,014 per year.
Age is a critical factor in determining insurance rates because younger drivers are considered riskier due to their lack of experience. Additionally, insurance companies use vehicle model and trim level information to assess the risk of the driver and the potential financial loss. Sportier models, such as two-door coupes, tend to be more expensive to insure than sedans.
Location also plays a significant role in insurance rates. For instance, insurance rates in Los Angeles can be at least $1,321 more per year than in the Midwest. Furthermore, state laws and no-fault versus tort classifications impact insurance costs, with states like Michigan mandating higher coverage levels, resulting in more expensive rates.
It is worth noting that insurance rates for the Honda Civic can vary across different insurance providers. Comparing quotes from multiple companies can help drivers find the most competitive rates. Additionally, factors such as driving history, credit score, and safety features can influence the overall cost of insurance.
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Honda Civic safety features and ratings
The Honda Civic has received strong safety ratings from various organisations and in customer reviews. The Insurance Institute for Highway Safety (IIHS) awarded the 2024 Honda Civic Sedan the TOP SAFETY PICK+ (TSP+) rating, and the 2024 Honda Civic Hatchback the TOP SAFETY PICK (TSP) rating. The 2025 Honda Civic also earned the IIHS TOP SAFETY PICK+ rating. These ratings include the Honda Civic hybrid models, the Civic Si, and the Civic Type R.
The National Highway Traffic Safety Administration (NHTSA) gave the Honda Civic a 5-Star Safety Rating as part of its New Car Assessment Program. The Euro NCAP also gave the Honda Civic strong safety ratings, with maximum points scored in side barrier and side pole tests, and good protection of all critical body areas. The bonnet and bumper also provided good protection to the head and legs of pedestrians, although weaker results were recorded along the base of the windscreen and the windscreen pillars.
The Honda Civic comes equipped with a range of active and passive safety features. Active safety features include a Multi-Angle Rearview Camera with Dynamic Guidelines, Lane Keeping Assist System (LKAS), and Vehicle Stability Assist™ (VSA®) with Traction Control. The latter adjusts steering and braking if the driver crosses lanes without signalling, and can notify drivers of posted speed limits. Passive safety features include airbags, safety belts, and the Advanced Compatibility Engineering™ (ACE™) body structure, which helps protect occupants in frontal collisions. Honda's exclusive body design enhances occupant protection and crash compatibility in frontal collisions by distributing crash energy more evenly throughout the front of the vehicle.
The Honda Civic also has a range of advanced safety features, including Forward Collision Warning, Road Departure Mitigation (RDM), and an autonomous emergency braking system that can detect pedestrians and other vehicles. The 11th-generation Honda Civic was also the first passenger vehicle to use a new driver's airbag designed to reduce head rotation in a collision, thus reducing the likelihood of brain injury.
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Honda Civic theft rates
Honda Civic insurance rates vary depending on several factors, including the driver's age, location, driving history, and vehicle model. The average insurance cost for a Honda Civic in 2025 is $2,410 per year. However, insurance rates in certain locations may differ significantly. For example, in the top 10 US cities by population, rates range from $2,316 in New York to $3,961 in Los Angeles.
The Honda Civic has been a popular car model and, unfortunately, a target for car thieves. According to some sources, the Honda Civic is one of the most stolen vehicles in America. This may be due to its popularity, as thieves target vehicles with high sales numbers to cater to the large market for parts. Additionally, sedans like the Honda Civic are generally considered a higher theft risk than trucks or SUVs because of their smaller size and increased vulnerability in crashes with larger vehicles.
While newer Honda Civic models have improved security features, such as immobilizers, older models were more susceptible to theft using methods like shaved keys. Some owners have expressed concerns about the effectiveness of the stock alarm system, recommending the addition of aftermarket security measures like shock or tilt sensors.
Theft rates can impact insurance costs, and some Civic owners have noted higher insurance rates due to the perceived risk of theft. However, it's important to note that insurance rates are influenced by various factors, and individual rates may vary based on personal circumstances and the chosen insurance provider.
To mitigate the risk of theft, Honda Civic owners are advised to properly insure their vehicles, take photographs, maintain purchase receipts, and consider additional security measures to deter thieves.
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Honda Civic insurance discounts
The cost of insuring a Honda Civic can vary significantly depending on various factors, including age, location, credit score, driving record, and insurance provider.
Age
Teens and young adults tend to pay the highest rates for car insurance due to their lack of driving experience and higher risk profile. For instance, the average cost of car insurance for an 18-year-old driving a Honda Civic is $9,014 per year. In contrast, a 40-year-old driver with a clean driving record can expect to pay around $1,423 for full coverage annually.
Location
Insurance rates also differ by state and even within specific cities. For example, in the top 10 US cities by population, insurance rates for a Honda Civic range from $2,316 in New York City to $3,961 in Los Angeles. Additionally, certain states, like Michigan, mandate higher coverage levels, resulting in more expensive insurance premiums.
Credit Score
Individuals with lower credit scores may pay more for car insurance as credit-based insurance scores are considered when calculating rates.
Driving Record
A good driving record can help keep insurance costs down. Conversely, recent accidents, traffic violations, and auto insurance claims can increase insurance premiums.
Insurance Provider
Insurance rates for a Honda Civic can vary significantly between different providers for the same coverage. It is advisable to compare quotes from several companies to find the most competitive cost. For example, USAA and Erie are known for offering lower-cost insurance for Honda Civics.
Vehicle Factors
The age and model of your Honda Civic can also impact insurance rates, with older models typically costing less to insure than newer ones. Additionally, cars with smaller engines and more safety features tend to be cheaper to insure.
While there may not be specific discounts directly associated with insuring a Honda Civic, understanding these factors can help you minimize insurance costs and maximize savings.
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Frequently asked questions
Honda Civic insurance is expensive due to a variety of factors, including the vehicle's relatively high theft rate, the age and demographics of the driver, and the location of the insured.
The cost of insuring a Honda Civic varies depending on several factors, including the age of the driver, their location, and the model year of the vehicle. On average, insurance for a Honda Civic costs around $1,423 per year for full coverage and $628 per year for minimum coverage.
There are several ways to get cheaper insurance for your Honda Civic. One way is to compare quotes from multiple insurance providers and choose the most competitive offer. Additionally, maintaining a good credit score, raising your auto insurance deductible, and taking advantage of safety features and discounts can help reduce insurance costs.
