Enter your ZIP code below and click Compare to see the cheapest rates in your area.
We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.
Average Honda Civic insurance rates
Originally released in 1972, the Honda Civic has since become one of the best selling vehicles in the US. The Civic is currently in its tenth generation, which is available as a coupe, sedan or hatchback. Packed with a number of safety and driver assistance features, finding coverage for the Honda Civic should be no problem.
The average cost of insurance for a Honda Civic is $153 a month or $1,836 a year, about $500 above the national average. However, your actual cost could vary depending on your driving record, annual mileage, location, and more, making it important to get quotes that reflect your situation.
Online quotes & claims
Bundle and save
Our top pick: Progressive
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
A 2017 Honda Civic starts at a base price of $18,740. With the average insurance rate at $1,836 per year, the annual insurance cost–to–base car price ratio is 9.8%.
Monthly insurance rate
Base car price
To determine our estimated cost, we aggregated quotes from insurance companies using this profile:
2017 Honda Civic
10,001–15,000 miles driven yearly
No accidents in the past five years
Anti-theft device on vehicle
Driver located in New York
Our estimated price is for basic coverage, which we define as two times the state required minimum and the addition of bodily injury, property damage, uninsured motorist, bodily injury and personal injury protection.
Other factors that can affect your auto insurance rate
Honda Civic model year
Amount of coverage you need
Estimated miles you drive in a year
Vehicle’s safety and anti-theft features
Driver’s credit score and location
Driver’s age, marital status and gender
Driving history in the past five years
Whether the driver rents, leases or owns the vehicle
How to compare insurance for the Honda Civic
Shopping for auto insurance is no fun; it’s an expensive purchase that you hope to never use, which isn’t a great combination. But since coverage is mandatory in almost every state, you’ll have to do some research to find out what coverage is right for you. Here are a few factors to consider when shopping around.
Price. In order to accurately compare prices, it’s important to use the same information when getting quotes from providers.
Deductible. Your deductible amount can directly affect the cost of your monthly premiums. Generally speaking, higher deductibles make for lower premiums, and lower deductibles make for higher premiums.
Minimum coverage. Since minimum coverage amounts can vary by state, it’s important to find out if a potential policy meets your state’s minimums before you commit.
Additional coverage. Additional coverage may be available through your provider. If you choose to add any of these options, make sure you include them when getting quotes.
Extras. Roadside assistance and vanishing deductible are two of many extras you may come across. Find out what features your policy includes and which ones you’ll need to pay extra for.
Restrictions. Find out if any restrictions apply to your policy to avoid gaps in coverage or denied claims.
Manufacturer offer or loyalty discount. Ask your dealership if you are eligible for any manufacturer offers or loyalty discounts and you may be able to save on auto insurance.
Warranty. Find out what’s covered by your manufacturer or extended warranty to avoid paying for overlapping coverage.
Car insurance rates for Honda Civic by year
What factors affect car insurance rates for Honda Civic?
Insurance providers consider your driving history, location, annual mileage and many other factors when calculating your premiums. However, one of the most important factors is the actual vehicle you drive. This is because performance, safety features, theft rates and other elements can vary between makes and models. Here’s how the Honda Civic’s characteristics could affect the cost of car insurance.
Body type. The Civic is available in a coupe, sedan, or hatchback. The sedan and hatchback versions should be cheaper to insure.
Type of car. The Honda Civic is designed for light use like family trips and daily driving. Its low-risk profile could reduce the cost of insurance.
Theft. Earlier Honda Civics were frequently stolen, but the newer models come equipped with great security features. That said, sedans are stolen more frequently than any other type of vehicle, so choosing that option could lead to more expensive auto insurance.
Repairs. Parts and service should be easy to find and affordable. This could bring down the cost of insurance.
Safety ratings. The Honda Civic holds near-perfect safety ratings in almost every category, which may reduce the cost of your premiums.
Fuel type. Gas vehicles are generally cheaper to insure than diesel or hybrid vehicles. Since the Civic runs on gas, insurance premiums should be cheaper.
Trim & packages. Choosing packages that increase power or overall value could raise the cost of insurance. However, features that improve visibility and safety may reduce the cost.
Honda Civic money-saving safety features
You could save money on car insurance for your Honda Civic if it comes equipped with these safety features.
Surround view camera system
Daytime running lights
Electronic stability control
Rear backup sensors
Lane-departure warning systems
Adaptive cruise control
Does the Honda Civic qualify for auto insurance discounts?
Your vehicle may be eligible for various auto insurance discounts depending on which provider you choose. However, the exact discounts you receive may vary depending on location, provider, options, and other factors. Here are a few that should apply to the Honda Civic:
According to U.S. News and J.D. Power, the 2018 Honda Civic holds a perfect 10/10 for safety. The IIHS gives it near-perfect ratings in almost every category, while the NHTSA awards it 5 out of 5 stars.
U.S. News and J.D. Power give the 2018 Honda Civic a 3/5 star rating for reliability, which is about average for other vehicles in its class.
The Honda Civic has been around since 1972. This model has always been known to be one of the best American cars on the market. The Honda Civic is known for its overall low cost, safety features and fuel efficiency. The 2017 Honda Civic sets the standard for being one of the best compact cars in its class.
Honda Civic maintenance
The Civic is an affordable daily driver that’s designed to run smoothly with little maintenance. While it won’t require maintenance as often as a sports car would, keeping a routine service schedule is always a good idea. Even standard procedures like oil changes, replacing air filters and inspecting parts can extend the life of your vehicle and prevent it from breaking down unexpectedly. Here’s what to expect in terms of maintenance:
Honda doesn’t have a recommended oil change schedule for the Civic. This is because newer vehicles come with the Maintenance Minder System, which notifies you when oil and other parts need to be replaced.
The average cost of an oil change for a Civic is between $75 and $125, but your cost may differ depending on mileage, your location and other factors.
Speak with your Honda dealer or consult your owner’s manual to find out more details on the Honda Civic maintenance schedule.
Is an extended warranty worth it for the Honda Civic?
The Honda Civic is backed by Honda’s standard 3-year/36,000-mile Limited Vehicle Warranty and 5-year/60,000-mile Powertrain Limited Warranty. The warranty also covers genuine Honda accessories for 3 years or 36,000 miles, as long as they are installed when the vehicle is purchased. Additionally, the Civic comes with a 5-year/Unlimited-miles corrosion warranty and 24/7 emergency roadside assistance.
Instead of extended warranties, Honda offers something called Vehicle Service Contracts, which cover components, powertrains and other benefits like roadside assistance, OEM part replacements, rental car allowances and more. Although the Civic is fairly reliable, extended service plans can provide peace of mind and additional protection once the initial limited warranty expires.
Compare Honda competitors
Find out what else Honda has to offer or explore other manufacturers to find vehicles similar to the Honda Civic.
The Honda Civic is one of the most popular compact cars, and for good reason. The Civic is available in multiple models and trims, each packed with a suite of safety, security and driver assistance features. It holds near-perfect safety ratings in almost every category, meaning it might even be eligible for auto insurance discounts. Get quotes from multiple providers and compare your options to find out how much you’ll pay for auto insurance.
Frequently asked questions about the Honda Civic
Auto insurance is never one-size-fits-all, so the best way to find the best auto insurance provider is to get multiple quotes and compare your options. The Civic comes with an array of safety features that may be eligible for auto insurance discounts, so you should include all details when getting quotes in order to get accurate estimates.
The Civic sedan and hatchback should be cheaper to insure compared to the coupe, but your experience may vary. Regardless, your vehicle’s value and price can affect the cost of insurance, so keep in mind that you’ll pay less for Civic models that cost less. All Civic models include great safety features, so you should compare your options to find out if your vehicle is eligible for any auto insurance discounts.
You can learn more about state minimums here, or you can speak with your provider to find a policy that suits your needs. When shopping around, it’s essential to find a policy that fits into your budget but also fulfills your state’s minimum requirements.
Which car insurance provider is best for me?
Looking to save on car insurance? Answer these three questions to find a provider that best fits your needs and budget.
Wielding a degree in Economics from Dalhousie University, Peter Carleton is a writer that covers banking and investing at finder.com. From savings accounts to cutting-edge banking apps, robo-advisors and beyond, he breaks down what you need to know about where you put your money. When Peter's not thinking about bank accounts and investing tools, he runs a creative agency and spends his spare time cooking or reading.
How likely would you be to recommend finder to a friend or colleague?
Very UnlikelyExtremely Likely
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.