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Honda Civic insurance rates

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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.

Companies that offer auto insurance for Honda Civic

Geico. Geico is the second largest auto insurance provider in the US, best known for its Gecko mascot that promises to save you 15% or more. Besides its competitive pricing, Geico offers a wide range of policies and an innovative mobile app.

State Farm. State Farm insures over 45 million drivers, making it the largest auto insurance provider in the country. It’s home to a massive network of over 18,000 independent agents that can help you find the best price on the coverage you need.

Esurance. Although Esurance has only been in business for about 20 years, it’s one of the most popular providers around. It offers an assortment of customizable coverage options, a 24/7 claims service and a convenient mobile app for when you’re on the go.

Compare insurance providers that cover Honda Civic

Name Product Roadside assistance New car protection
Liberty Mutual
Included free
Yes, cars under 1 year old & 15,000 miles
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Esurance
Optional
Yes, cars under 1 year old & 15,000 miles
Esurance offers a modern online and mobile experience that helps you take your insurance on the go.
Allstate
Included free
Yes, cars under 2 years old
Enjoy having your own dedicated agent to help you get the best discounts and coverage.

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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.

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:

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

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.

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.

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.

About the Honda Civic

Honda Civic Insurance FinderThe 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.

Insurance companies determine the insurance cost for a Honda Civic based on safety ratings, theft rates, replacement costs and overall damage susceptibility. Insurance rates can change based on a driver’s history and location. Honda shoppers should grab quotes from several insurance companies to find the lowest premium possible before they commit. Honda Civic shoppers should also do their research and see if they qualify for insurance discounts with each insurance company.

Random Honda Facts

  • Honda was founded in 1946 and became the world’s biggest motorcycle manufacturer by 1964.
  • Honda prices start at $16,000 and can go up to $60,000.
  • The 2017 Honda Civic, Civic, Fit, HR-V, Pilot, Ridgeline and Odyssey have been awarded 5-Star Overall Vehicle Scores from the National Highway Traffic Safety Administration.
  • Honda cars that were manufactured from 1990 to 2000 is always on the top of the list of the most stolen cars in America.
  • Honda’s vision is to cut collisions in half by the time their 2020 models are released.

Honda Civic price

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%.

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    2 Responses

    1. 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.

        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

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