Key Takeaways
If you think your Honda Civic insurance rates are high, let's learn the different methods to get cheap quotes. Go through the rates for the car model based on model years. And see how to get cheap quotes from online platforms such as the Way app.
Honda Civic insurance costs $129 a month or $1,548 a year. Driver age, car age, and safety features affect Honda Civic rates.
Compare Honda Civic insurance rates from top companies. Then, use Way.com to obtain the best quotation for your driving profile and car. This page can help you determine Honda Civic insurance rates.
| Make and Model | Average Annual Rates | Average Monthly Rates |
|---|---|---|
| Honda Civic | $1,548 | $129 |
| Toyota Corolla | $1,548 | $129 |
| Hyundai Elantra | $1,584 | $132 |
| Nissan Sentra | $1,596 | $133 |
Trim & Model Year: LX, Sport, EX, EX-L, Touring, and Si are the various trims of the Honda Civic. Based on the risk factor, performance, and advanced specs of the car model, the insurance rates vary. Similarly, every Honda Civic has higher insurance premiums. For example, 2020 Honda Civic insurance costs $1,556, while 2013 Honda Civic rates are $802.
Repair & Parts Cost: Honda Civics have a relatively lower repair cost; hence, the factor helps to keep the premium rates lower.
Safety Ratings: The car model has obtained excellent safety ratings from the top testing bodies such as NHTSA and IIHS. The ratings are highly valued by the carrier when calculating the Honda Civic auto insurance costs.
Driving Record: Your driving record influences the Honda Civic car insurance rates. By maintaining the best record, you can get cheaper premium offers.
Credit Score: Many insurers look up your credit score to assess claim frequency. A higher credit score indicates less chance for claims, and hence the insurers offer lower rates.
Theft Rates: The Honda Civic has been featured in the NICB's top stolen vehicle in the US. Though the latest models have higher security features, the history of theft raises the premium rates.
Model year is an integral part of calculating the Honda Civic insurance rate. The higher the age of the car, the lower the premium rate is. The trend might vary when certain model years have a higher risk-value, repair frequency, etc. Find low-cost car insurance deals for selected model years in the table below.
| Honda Civic Model Year | Average Annual Cost | Average Monthly Rate |
|---|---|---|
| 2020 Honda Civic | $1,556 | $130 |
| 2019 Honda Civic | $1,674 | $140 |
| 2018 Honda Civic | $911 | $76 |
| 2017 Honda Civic | $908 | $76 |
| 2016 Honda Civic | $1,357 | $113 |
| 2015 Honda Civic | $866 | $72 |
| 2014 Honda Civic | $830 | $69 |
| 2013 Honda Civic | $802 | $67 |
The factors used to calculate the Honda Civic car insurance rate are similar across insurers. At the same time, each insurer weighs these factors according to its methods. From our research, the insurers in the table below are offering the cheapest insurance rates for the Honda Civic.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Rate |
|---|---|---|
| weekly USAA | $737 | $61 |
| Texas Farm Bureau | $784 | $65 |
| Erie | $798 | $66 |
| State Farm | $819 | $68 |
| Progressive | $854 | $71 |
| Tennessee Farmers | $953 | $79 |
| Vermont Mutual | $968 | $81 |
| Acuity | $1,018 | $85 |
| American Family | $1,026 | $85 |
| Nationwide | $1,069 | $89 |
| Plymouth Rock Insurance | $1,135 | $95 |
| Country | $1,212 | $101 |
The average annual insurance rate for a 2020 Honda Civic is $1,556. The rate is $8 more than the model average. Though the insurance rate is so high, cheaper premiums are offered by Nationwide, USAA, Vermont Mutual, etc. The average lowest insurance rate we found is $1,201 per year, on average, by Nationwide. Find more values in the table below.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Rate |
|---|---|---|
| Nationwide | $1,201 | $100 |
| USAA | $1,208 | $101 |
| Vermont Mutual | $1,246 | $104 |
| Tennessee Farmers | $1,317 | $110 |
| Progressive | $1,354 | $113 |
| State Farm | $1,384 | $115 |
| American Family | $1,427 | $119 |
| Auto Owners | $1,434 | $120 |
| Erie | $1,510 | $126 |
| Mercury | $1,569 | $131 |
| Country | $1,586 | $132 |
The 2019 Honda Civic insurance rate will cost you, on average, $1,674 per year. However, you can find the cheapest insurance rates in the table below. Insurers mentioned in the table below are the cheapest carriers for the car model year.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Rate |
|---|---|---|
| USAA | $1,076 | $90 |
| Cincinnati Insurance | $1,217 | $101 |
| Auto Owners | $1,288 | $107 |
| Erie | $1,356 | $113 |
| American Family | $1,378 | $115 |
| Nationwide | $1,431 | $119 |
| State Farm | $1,454 | $121 |
| Country | $1,522 | $127 |
| Progressive | $1,535 | $128 |
| Mercury | $1,537 | $128 |
| Plymouth Rock Insurance | $1,567 | $131 |
The 2018 Honda Civic insurance cost is $911 on average, per year. The cheapest carrier for the car model year is USAA. The average annual premium offered by the insurer is $590. Go through other cheap Honda Civic insurance rates for the 2018 model year in the table below.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Rate |
|---|---|---|
| USAA | $590 | $49 |
| State Farm | $626 | $52 |
| Erie | $632 | $53 |
| Progressive | $706 | $59 |
| Nationwide | $935 | $78 |
| American Family | $948 | $79 |
| Tennessee Farmers | $961 | $80 |
| Plymouth Rock Insurance | $1,100 | $92 |
| Country | $1,112 | $93 |
| Vermont Mutual | $1,115 | $93 |
| Acuity | $1,147 | $96 |
State Farm offers the cheapest insurance rate for the 2017 Honda Civic. The average annual offer by the carrier is $631, which is 30% less than the overall rate of $908. USAA, Erie, Progressive, and some other providers also offer cheap rates. Find the average monthly and annual rates in the table below.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Rate |
|---|---|---|
| State Farm | $631 | $53 |
| USAA | $632 | $53 |
| Erie | $647 | $54 |
| Progressive | $732 | $61 |
| Texas Farm Bureau | $833 | $69 |
| American Family | $914 | $76 |
| Tennessee Farmers | $985 | $82 |
| Nationwide | $998 | $83 |
| Plymouth Rock Insurance | $1,074 | $90 |
| Vermont Mutual | $1,099 | $92 |
| Country | $1,124 | $94 |
Being the 10th-generation Civic, Honda brought changes to the design. As a result, many warranty issues arise along with higher repair costs. This has obviously added to the insurers' concerns, hence leading to higher insurance costs. Therefore, the average annual insurance rate for a 2016 Honda Civic is $1,357, and the cheapest insurer is Texas Farm Bureau, offering $793.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Rate |
|---|---|---|
| Texas Farm Bureau | $793 | $66 |
| Vermont Mutual | $1,034 | $86 |
| Erie | $1,179 | $98 |
| USAA | $1,189 | $99 |
| Nationwide | $1,257 | $105 |
| State Farm | $1,259 | $105 |
| American Family | $1,308 | $109 |
| Amica | $1,363 | $114 |
| Country | $1,366 | $114 |
| Grange Insurance | $1,374 | $115 |
| Plymouth Rock Insurance | $1,424 | $119 |
The average annual cost to insure a 2015 Honda Civic is $866. Erie is the cheapest carrier for the car model year. The table below shows cheap rates from carriers such as USAA, State Farm, Progressive, etc.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Rate |
|---|---|---|
| Erie | $580 | $48 |
| USAA | $613 | $51 |
| State Farm | $619 | $52 |
| Progressive | $742 | $62 |
| Texas Farm Bureau | $801 | $67 |
| American Family | $898 | $75 |
| Tennessee Farmers | $919 | $77 |
| Vermont Mutual | $924 | $77 |
| Nationwide | $1,020 | $85 |
| Plymouth Rock Insurance | $1,024 | $85 |
| Country | $1,043 | $87 |
The average 2014 Honda Civic insurance rate is $830 per year. Erie offers $543, which is the cheapest for the car model year. The cheap monthly rates range between $45 and $86. Find the rates by respective carriers in the table below.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Rate |
|---|---|---|
| Erie | $543 | $45 |
| USAA | $560 | $47 |
| State Farm | $590 | $49 |
| Progressive | $700 | $58 |
| Texas Farm Bureau | $834 | $70 |
| American Family | $887 | $74 |
| Vermont Mutual | $906 | $76 |
| Tennessee Farmers | $907 | $76 |
| Plymouth Rock Insurance | $992 | $83 |
| Nationwide | $1,004 | $84 |
| Country | $1,033 | $86 |
2013 Honda Civic annual insurance costs you $802, on average. Erie tops the table for the cheapest carriers for the car model year. The annual average insurance offered by the insurer is $528. Find more insurers in the table below.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Rate |
|---|---|---|
| Erie | $528 | $44 |
| USAA | $537 | $45 |
| State Farm | $569 | $47 |
| Progressive | $680 | $57 |
| Texas Farm Bureau | $793 | $66 |
| Vermont Mutual | $850 | $71 |
| Tennessee Farmers | $871 | $73 |
| American Family | $891 | $74 |
| Plymouth Rock Insurance | $964 | $80 |
| Acuity | $982 | $82 |
| Nationwide | $987 | $82 |
More safety features on your Honda Civic mean more discounts. The Honda Civic has:
The Honda Civic has long been one of the most well-liked and best-selling cars, especially for Honda.
Honda Civic has a solid reputation for durability and dependability. Civic owners appreciate minimal maintenance costs, effective fuel savings, and pleasant ride quality.
The most recent Honda Civic has improved airbags as standard equipment, brake controls with braking aid, car stability assistance, daytime running lights, and a multi-angle rearview camera. It also has a specially constructed body structure that can withstand more stress.
Here is an overview of the outcomes based on the comprehensive safety tests by the IIHS.
| IIHS Test Type | Safety Ratings |
|---|---|
| Small overlap front: driver-side | Good |
| Small overlap front: passenger-side | Good |
| Moderate overlap front: original test | Good |
| Side: original test | Good |
| Roof strength | Good |
| Head restraints & seats | Good |
| Headlights | Good - Poor |
| Front crash prevention: vehicle-to-vehicle | Superior |
| Front crash prevention: pedestrian (day) | Superior |
| LATCH ease of use | Acceptable |
The safety tests conducted by the NHTSA also awarded top ratings for the Honda Civic. Go through the overview of the ratings in the table below.
| NHTSA Test Type | Safety Ratings |
|---|---|
| Frontal Barrier Driver Side | 5 Star |
| Frontal Barrier Passenger Side | 4 Star |
| Side Barrier Front Seat | 5 Star |
| Side Barrier Rear Seat | 4 Star |
| Side Pole Test | 5 Star |
| Combined Side Barrier and Side Pole Front Seat | 5 Star |
| Combined Side Barrier and Side Pole Rear Seat | 4 Star |
| Rollover Resistance | 5 Star |
| Dynamic Tip Result | No Tip |
| Rollover Risk | 9.30% |
Safe driver discount: Maintain a spotless driving record to receive a discount.
Multi-policy discount: This discount is given when combining several insurance policies, such as homeowners and auto insurance.
Discount for multiple vehicles: Save money by insuring all of your cars under one policy.
Discount for good students: If you have a young driver on your insurance who maintains a B average, you may be eligible for this reduction.
Low-mileage discount: You can save money on auto insurance if you don't drive your car too often.
You value reliability, practicality, and lasting quality if you drive a Honda. The same goes for insurance. See which providers fit your budget with good customer service. Comparing companies' offers can be intimidating.
Way.com is the best platform to find affordable coverage. You may compare and select coverage options from top-rated insurers in less than a minute. In addition, Way.com monitors prices every six months to ensure you get the latest coverage.
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Way.com’s Insurance Broker Quote Data
Honda Civic insurance costs $1,548 annually or $129 each month. These prices are a little above average for the compact car class.
Honda Civic insurance costs $1,548 annually or $129 each month.
Due to a severe inventory shortfall at dealers around the nation, Hondas are pricey. As Hondas come with the latest technology, they are more expensive than usual. Also, the Civic model has a high risk of theft, which also makes it expensive to insure.
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