2016 Honda Civic Car Insurance Calculator

Get instant feedback how changes to different risk factors influence insurance rates for a 2016 Honda Civic. Customize driver gender, whether you're married or single, the state and city you live in, and homeowner status to learn how each affects rates. Instantly see if and why the choice you make has an impact on insurance rates.

The average estimated car insurance premium for a 2016 Honda Civic is $1,586 per year, or about $132 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$1,586

Cost Per Month

$132

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Honda Civic Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2016 Honda Civic.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$1,586
Average Rate
Your Rate
$1,586

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2016 Honda Civic trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2016 Honda Civic is $1,586.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2016 Honda Civic vs. the Small Car Segment

The table below compares insurance rates for the 2016 Honda Civic against all other models in the small car segment. The Honda Civic is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Honda Civic, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Honda Civic.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2016 Honda Civic Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Smart Fortwo$1,254-$332
2Chrysler Fiat 500$1,360-$226
3Honda Fit$1,386-$200
4Toyota Yaris$1,394-$192
5Nissan Versa$1,396-$190
6Ford Fiesta$1,408-$178
7Subaru Impreza$1,472-$114
8Scion IM$1,488-$98
9Chevrolet Spark$1,500-$86
10Hyundai Accent$1,504-$82
11Volkswagen Golf$1,518-$68
12Mazda 3$1,538-$48
13Scion IA$1,540-$46
14Honda CR-Z$1,576-$10
15Honda Civic$1,586--
16Nissan Sentra$1,590$4
17Kia Rio$1,612$26
18Toyota Corolla$1,628$42
2016 Small Car Average$1,636$50
19Nissan Leaf$1,642$56
20Toyota Prius$1,644$58
21Hyundai Veloster$1,650$64
22Chevrolet Sonic$1,668$82
23Volkswagen Beetle$1,694$108
24Volkswagen GTI$1,706$120
25Chevrolet Volt$1,708$122
26Chevrolet Cruze$1,712$126
27Volkswagen EOS$1,716$130
28Kia Forte$1,724$138
29Ford Focus$1,744$158
30Hyundai Elantra$1,760$174
31Scion FR-S$1,778$192
32Mitsubishi Lancer$1,838$252
33Volkswagen E-Golf$1,852$266
34Volkswagen Jetta$1,924$338
35Dodge Dart$1,968$382
36Scion TC$2,022$436
37Toyota Mirai$2,036$450

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2016 Civic Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2016 Honda Civic.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2016 Honda Civic Insurance Rates by Trim Level
2016 Honda Civic Trim Level Annual Premium Cost Per Month
LX Sedan$1,490$124
LX Coupe$1,504$125
EX Sedan$1,546$129
EX-T Sedan$1,570$131
EX-TL Sedan$1,594$133
EX-L Coupe$1,600$133
EX-T Coupe$1,600$133
LX-P Coupe$1,600$133
Touring Sedan$1,666$139
Touring Coupe$1,682$140

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2016 Honda Civic for different driver ages.

2016 Honda Civic Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$5,737$478
17$5,486$457
18$4,785$399
19$4,416$368
20$3,361$280
21$3,207$267
22$2,856$238
23$2,404$200
24$2,253$188
25$1,830$153
30$1,674$140
35$1,634$136
40$1,586$132
45$1,492$124
50$1,422$119
55$1,324$110
60$1,326$111
65$1,406$117
70$1,544$129
75$1,840$153
80$2,262$189

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Honda Civic trim levels.