2018 Honda Civic Car Insurance Calculator

Learn in real-time how life choices impact car insurance rates for a 2018 Honda Civic. Play around with factors like vehicle usage, driver gender, marital status, and the state you live in. Know immediately if your changes have a favorable or unfavorable effect on the rates.

The average estimated car insurance premium for a 2018 Honda Civic is $1,790 per year, or about $149 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

$1,790

Cost Per Month

$149

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 2018 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.

$1,790
Average Rate
Your Rate
$1,790

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 2018 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 2018 Honda Civic is $1,790.

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.

2018 Honda Civic vs. the Small Car Segment

The table below compares insurance rates for the 2018 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.

2018 Honda Civic Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Chrysler Fiat 500$1,452-$338
2Ford Fiesta$1,496-$294
3Fiat 124 Spider$1,552-$238
4Smart Fortwo$1,570-$220
5Mazda 3$1,580-$210
6Volkswagen Golf$1,600-$190
7Subaru Impreza$1,610-$180
8Toyota Yaris$1,614-$176
9Chevrolet Spark$1,618-$172
10Honda Fit$1,622-$168
11Hyundai Accent$1,630-$160
12Nissan Sentra$1,760-$30
13Nissan Versa$1,768-$22
14Honda Civic$1,790--
2018 Small Car Average$1,814$24
15Toyota Prius$1,850$60
16Volkswagen Beetle$1,868$78
17Toyota Corolla$1,874$84
18Hyundai Ioniq$1,880$90
19Nissan Leaf$1,886$96
20Chevrolet Sonic$1,894$104
21Volkswagen GTI$1,930$140
22Chevrolet Cruze$1,940$150
23Chevrolet Volt$1,972$182
24Volkswagen E-Golf$1,988$198
25Honda Clarity$1,998$208
26Kia Rio$2,014$224
27Ford Focus$2,046$256
28Hyundai Elantra$2,064$274
29Kia Forte$2,072$282
30Volkswagen Jetta$2,078$288
31Toyota 86$2,214$424

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.

2018 Civic Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2018 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.

2018 Honda Civic Insurance Rates by Trim Level
2018 Honda Civic Trim Level Annual Premium Cost Per Month
SI Sedan$1,512$126
LX Coupe$1,648$137
EX-T Coupe$1,704$142
LX-P Coupe$1,704$142
LX Sedan$1,716$143
Type-R Hatchback$1,736$145
LX Hatchback$1,754$146
EX-L Coupe$1,760$147
EX Sedan$1,772$148
EX-T Sedan$1,772$148
LX Honda Sensing Sedan$1,772$148
Sport Hatchback$1,800$150
EX Hatchback$1,828$152
EX Honda Sensing Sedan$1,828$152
EX-T Honda Sensing Sedan$1,828$152
EX-TL Sedan$1,828$152
SI Coupe$1,842$154
Touring Coupe$1,854$155
EX-TL Honda Sensing Sedan$1,884$157
EX-L Hatchback$1,912$159
Touring Sedan$1,940$162
Sport Touring Hatchback$1,978$165

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 2018 Honda Civic for different driver ages.

2018 Honda Civic Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,500$542
17$6,226$519
18$5,453$454
19$5,019$418
20$3,819$318
21$3,644$304
22$3,245$270
23$2,720$227
24$2,551$213
25$2,070$173
30$1,896$158
35$1,844$154
40$1,790$149
45$1,684$140
50$1,602$134
55$1,494$125
60$1,496$125
65$1,586$132
70$1,740$145
75$2,078$173
80$2,556$213

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.