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Honda Civic insurance rates

Average insurance cost for your Civic: $162. But how low can your rates go? See our sample quotes.

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How much does insurance cost?See sample rates

The average cost of car insurance for a 2021 Honda Civic is $162.24 a month —or $1,946.82 a year. However, your actual costs depend on your driving history, car model, location and other factors.

Filter car insurance companies by states served, roadside assistance, accident forgiveness and more to get a quote.

Name Product Finder Rating Roadside assistance New car protection Accident forgiveness Available states
Allstate
Optional
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Progressive
Optional
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
The AARP Auto Insurance Program from The Hartford
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All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Root
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
Savvy
Optional
Depends on provider
All states & DC
Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.
Liberty Mutual
Optional
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
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Honda Civic insurance rates

We pulled Honda Civic car insurance quotes from top insurance companies to find that the average monthly cost to insure a 2021 Honda Civic is $162.24. However, an older model may score you lower rates.

Model YearProgressiveGeicoState FarmFarmersAverage
2011 Honda Civic$107.74$92.52$152.24$158.12$127.66
2016 Honda Civic$131.91$104.86$184.57$180.08$150.36
2021 Honda Civic$119.07$118.18$198.44$213.25$162.24

How we got these rates

Our rates are based on a single 30-year old driver with a clean driving history living in California. California is one of seven states that don’t use gender to determine car insurance costs. We chose full coverage car insurance with liability limits that exceed the California state minimum requirements, which include:

  • Bodily injury liability per person: $50,000
  • Bodily injury liability per accident: $100,000
  • Property damage liability: $50,000
  • Comprehensive deductible: $500
  • Collision deductible: $500
  • Medical payments: $5,000
  • Uninsured motorist bodily injury: $50,000/$100,000

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Does the Honda Civic qualify for auto insurance discounts?

The Civic comes with an array of safety features that may be eligible for auto insurance discounts, so you should include these details to get accurate estimates. The exact discounts you can get vary based on your location and insurance company.

  • New car discount
  • Anti-lock brake discount
  • Anti-theft discount
  • Passive restraint discount (Airbags, motorized seat belts, etc.)
  • Emergency roadside assistance discount

Which Civic is the cheapest to insure?

The Civic sedan and hatchback should be cheaper to insure compared to the coupe, although 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.

Honda Civic safety & reliability ratings

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.

Bottom line

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.

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    4 Responses

      Default Gravatar
      AndrewJanuary 2, 2019

      I’m a 19 year old new driver and am planning on getting a Honda Civic somewhere in between the years of 2010-2016. I understand insurance rates are much higher because of my age which is why I’m hesitating on buying one. How much would I be paying for insurance if I were to get one? I’d be getting it with my grandmother due to here great credit and flawless driving record, don’t know if that makes a difference for me. Thank you!

        Avatarfinder Customer Care
        AdrienneJanuary 2, 2019Staff

        Hi Andrew,

        Thanks for your question. You’re right, insurance rates generally can be higher for younger drivers. Also, a cosigner with great credit and a good driving record may help. But we recommend getting a quote from a range of providers to compare your options. To see prices and quotes tailored to your situation, try filling out the form at the bottom of this page (click the green “get quote” button): https://www.finder.com/car-insurance/auto-insurance-finder

        I hope this helps.

        Best,

        Adrienne Fuller

      Default Gravatar
      JoschmoSeptember 17, 2017

      For older civics anywhere between 2007-2012, with over 100K miles, and a car value a little over 5K, should one pay $200 to insure? Just thinking with that amount you can be paying on a new car with an extra 50-100 dollars, granted car insurance would be separate.. just a general question for all individual that have older civics how much should one pay for insurance and is this scenario I painted something good or paying too much?

        Default Gravatar
        DanielleSeptember 17, 2017

        Hi Joschmo,

        Thank you for contacting Finder. We are a comparison website and general information service, we’re more than happy to offer general advice.

        The average insurance rates vary by state and insurers will also consider a lot of factors that will affect your car insurance premium such as your age, model, and age of your car, the size of your car’s engine, your driving history, and activity, to name a few.

        You will have to get quotes from various insurers and compare their rates along with other benefits that their cover offers to find the one that best suits your needs. As a reminder, please ensure that you meet all the eligibility criteria and read through the Product Disclosure Statements/Terms and Conditions before applying and making a decision on whether it is right for you.

        I hope this helps.

        Cheers,
        Danielle

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