2023 Honda Civic Car Insurance Calculator

View in real-time how different factors affect car insurance rates for a 2023 Honda Civic. Fine-tune factors like driver gender, whether you're married or single, the state and city you live in, and homeowner status. Instantly see if your choice increases or decreases premium and learn exactly why.

The average estimated car insurance premium for a 2023 Honda Civic is $2,214 per year, or about $185 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

$2,214

Cost Per Month

$185

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 2023 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.

$2,214
Average Rate
Your Rate
$2,214

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 2023 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 2023 Honda Civic is $2,214.

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.

2023 Honda Civic vs. the Small Car Segment

The table below compares insurance rates for the 2023 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.

2023 Honda Civic Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Subaru Impreza$1,886-$328
2Volkswagen Jetta$2,074-$140
3Nissan Sentra$2,108-$106
4Toyota Corolla$2,136-$78
5Volkswagen Golf$2,142-$72
6Toyota Prius$2,148-$66
7Mazda 3$2,180-$34
8Honda Civic$2,214--
9Kia Forte$2,230$16
10Mitsubishi Mirage G4$2,242$28
2023 Small Car Average$2,265$51
11Nissan Leaf$2,294$80
12Nissan Versa$2,416$202
13Hyundai Elantra$2,482$268
14Toyota GR Corolla$2,588$374
15Toyota Mirai$2,830$616

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.

2023 Civic Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2023 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.

2023 Honda Civic Insurance Rates by Trim Level
2023 Honda Civic Trim Level Annual Premium Cost Per Month
Sport$2,066$172
Sport Hatchback$2,092$174
EX$2,114$176
EX-L Hatchback$2,166$181
Si$2,178$182
Touring$2,322$194
Sport Touring Hatchback$2,344$195
Type R$2,444$204

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 2023 Honda Civic for different driver ages.

2023 Honda Civic Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,905$659
17$7,626$636
18$6,781$565
19$6,200$517
20$4,744$395
21$4,528$377
22$4,050$338
23$3,357$280
24$3,164$264
25$2,568$214
30$2,356$196
35$2,278$190
40$2,214$185
45$2,074$173
50$1,970$164
55$1,836$153
60$1,840$153
65$1,956$163
70$2,124$177
75$2,510$209
80$3,084$257

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.