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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.
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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%.
Model
Monthly insurance rate
Base car price
Accord
$151
$22,455
Civic
$153
$18,740
Clarity
$197
$59,365
CR-V
$197
$24,045
Fit
$145
$16,090
HR-V
$147
$19,465
Odyssey
$132
$29,850
Pilot
$137
$30,745
Ridgeline
$191
$29,475
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
Good credit
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
Vehicle’s trim
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
Year
Progressive
Geico
State Farm
Average
2009
$205
$234
$207
$215
2010
$209
$237
$202
$216
2011
$209
$205
$163
$192
2012
$209
$237
$156
$201
2013
$208
$204
$211
$208
2014
$207
$210
$220
$212
2015
$324
$270
$230
$275
2016
$335
$280
$228
$281
2017
$344
$300
$280
$308
2018
$345
$320
$298
$321
2019
$363
$334
$300
$332
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.
Airbags
Anti-lock brakes
Anti-theft device
Parking sensors
Surround view camera system
Daytime running lights
Electronic stability control
Seatbelt pretensioners
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.
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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.
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!
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
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?
Thank you for contacting finder. We are a comparison website and general information service, we’re more than happy to offer general advice.
You may refer to this page as a reference guide. Or you may also forward your concern to Honda Civic Insurance directly so that they can pull up your information and further assist you.
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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!
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
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?
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.
You may refer to this page as a reference guide. Or you may also forward your concern to Honda Civic Insurance directly so that they can pull up your information and further assist you.
I hope this helps.
Cheers,
Danielle