On average, car insurance for a Honda Civic costs between $1,600 and $2,400 per year in the U.S.. That works out to about $135–$200 per month. The exact price depends on factors like your age, driving history, coverage level, state of residence, and even which Civic model and trim you drive. For example, a younger driver with a Civic Type R will pay much more than a 40-year-old driver with a Civic LX.
Because the Civic is one of the most insured vehicles in America, insurers use a lot of data to set rates. In this guide, we’ll break down the average cost of insurance for different Honda Civic models, explore what impacts the price, compare state-to-state averages, and share tips for lowering premiums. By the end, you’ll know what to expect if you’re planning to insure a Honda Civic.
Average Cost of Car Insurance for a Honda Civic
Car insurance costs for a Honda Civic vary widely, but here’s a general national breakdown:
| Coverage Type | Average Annual Premium | Average Monthly Cost |
| Minimum liability only | $1,050 | $88 |
| Full coverage (average Civic) | $1,900 | $158 |
| Civic LX (base model) | $1,750 | $146 |
| Civic Sport | $1,950 | $162 |
| Civic EX / Touring | $2,100 | $175 |
| Civic Si | $2,350 | $196 |
| Civic Type R | $2,750+ | $229+ |
These are averages. Your actual premium could be higher or lower depending on personal and regional factors.
Why the Honda Civic Costs What It Does to Insure
Even though the Civic is not a luxury vehicle, it is one of the most expensive compact cars to insure. Here’s why:
- Popularity and Theft Rates – The Civic is among the most stolen vehicles in the U.S. That increases comprehensive insurance costs.
- Driver Demographics – Many young drivers choose Civics, and younger drivers have higher accident rates. Insurers price policies accordingly.
- Repair Costs – While Civics are relatively affordable to repair, newer models with advanced safety tech can be expensive to fix.
- Crash Statistics – Insurers look at national accident data. Civics are frequently involved in claims because of how many are on the road.
- Performance Models – Sport trims like the Civic Si and Type R attract drivers who may be considered higher-risk.
State-by-State Cost of Insuring a Honda Civic
Insurance costs also depend heavily on where you live. Michigan, Florida, and Louisiana tend to be the most expensive states, while Maine, Ohio, and Vermont are some of the cheapest.
| State | Average Annual Premium for Civic |
| Michigan | $3,200 |
| Florida | $2,800 |
| Louisiana | $2,700 |
| California | $2,400 |
| Texas | $2,200 |
| New York | $2,150 |
| Illinois | $1,850 |
| Ohio | $1,500 |
| Maine | $1,450 |
| Vermont | $1,400 |
This shows how geography alone can change your premium by more than $1,500 a year.
Insurance Costs by Driver Profile
Young Drivers
- 16–20 years old: $4,000–$6,000 annually for full coverage.
- Insurers see teens and young adults as high-risk.
Adult Drivers
- 25–40 years old: $1,700–$2,300 annually.
- Rates stabilize as driving experience increases.
Senior Drivers
- 60+ years old: $1,600–$2,000 annually.
- Slight increases may occur due to slower reaction times or health concerns.
Impact of Trim Level and Year on Insurance Costs
Not all Civics are equal when it comes to insurance.
- Older Civics (2010–2015): Cheaper to insure ($1,400–$1,700 annually).
- New Civics (2020+): More expensive ($1,800–$2,200) due to higher replacement value.
- Civic Si and Type R: Highest rates, sometimes $2,700+. Performance features make them riskier.
- Hybrid or eco models: Can sometimes lower premiums due to safety features.
Factors That Influence Your Honda Civic Premium
Several factors beyond the car itself determine your rate:
- Age and gender – Younger male drivers typically pay more.
- Location – Urban areas have higher rates than rural ones.
- Driving history – Tickets and accidents can raise costs significantly.
- Credit score – Many insurers use credit to determine risk.
- Annual mileage – More miles means more exposure to accidents.
- Deductibles – Higher deductibles mean lower monthly premiums.
- Discounts – Bundling, safe driver programs, and telematics can reduce costs.
For a deeper dive into rating factors, you can check factors that affect car insurance rates.
How Coverage Choice Affects Honda Civic Insurance
Your coverage level plays a huge role in costs:
- Liability-only insurance: Cheapest option, covers others’ injuries and damages if you cause an accident.
- Full coverage insurance: Includes liability, collision, and comprehensive. Recommended if your Civic is newer or financed.
- Comprehensive-only: For older cars, covers theft, vandalism, weather damage.
Most Civic drivers with cars less than 10 years old choose full coverage.
Ways to Save Money on Honda Civic Insurance
Although Civics can be pricey to insure, you can take steps to save:
- Compare providers regularly. Different insurers rate Civics differently.
- Increase deductibles if you can afford higher out-of-pocket costs.
- Maintain good credit for better risk scores.
- Install anti-theft devices since Civics are often targeted for theft.
- Bundle policies (auto + renters or home).
- Use telematics programs that reward safe driving with discounts.
You can also look into car insurance discounts available from top providers.
Honda Civic Insurance vs. Other Similar Cars
It helps to compare Civics to other compact cars:
| Vehicle | Average Annual Premium |
| Honda Civic | $1,900 |
| Toyota Corolla | $1,750 |
| Hyundai Elantra | $1,720 |
| Nissan Sentra | $1,780 |
| Mazda 3 | $1,810 |
The Civic is slightly more expensive than its main competitors, mostly because of theft rates and popularity among younger drivers.
Pros and Cons of Insuring a Honda Civic
Pros:
- Wide availability of coverage options.
- Strong safety ratings help reduce some costs.
- Discounts available for anti-theft and safe driving.
Cons:
- High theft rates make premiums more expensive.
- Sport trims like Si and Type R raise rates.
- Young driver demographics push costs higher.
FAQs
Generally, the Civic is cheaper. The Accord has a higher starting price and more expensive trims, which increase insurance costs.
Yes, slightly. Theft rates and driver demographics make Civics a bit pricier.
The base LX and older models tend to be the cheapest, often around $1,700 annually.
Yes. As your Civic depreciates, the cost of full coverage drops. Many drivers switch to liability-only after 10 years.
Yes, but expect higher rates. Discounts for good grades, telematics, and defensive driving courses can help.
Conclusion
So, how much is car insurance for a Honda Civic? On average, between $1,600 and $2,400 per year, though it can be much higher for young drivers or high-performance trims like the Type R. Factors such as age, driving history, location, and coverage choices all play major roles in determining your premium.
Although Civics are slightly more expensive to insure than some competitors, you can still save by comparing quotes, bundling policies, raising deductibles, and using discounts. With its reliability and popularity, the Civic remains a solid choice for many drivers — and with smart insurance planning, you can keep costs manageable.
For the best rates, you can compare free quotes from multiple providers through Alias Insurance and choose a policy that fits your budget.
Related Articles from Alias Insurance
