- At an average cost of $2,262 per year, a 2024 Honda Civic has more affordable car insurance rates than a 2024 Honda Accord by an average of $188 per year.
- Average car insurance cost per month for the Honda Accord is 8.8% more expensive than the Honda Civic, at $189 versus $173, a difference of $16.
- If affordable insurance is the most important factor, the EX-L Hybrid and Sport Hybrid trims are the cheapest Honda Accord models to insure, while the LX and LX Hatchback trims are the cheapest Honda Civic models to insure.
Is a Honda Accord or Honda Civic cheaper to insure?
For the 2024 model year, the model with the cheapest average car insurance rates is the Honda Civic. Insurance on the Honda Accord averages $2,262 per year, whereas the Honda Civic costs an average of $2,074 per year.
For the six trims available for the 2024 Honda Accord, the cheapest trim to insure is the EX-L Hybrid model at an average cost of $2,180 per year, or about $182 per month. For the 10 trim levels available for the Honda Civic, the cheapest 2024 trim level to insure is the LX trim at a cost of $1,854.
When comparing both models at a trim-level basis, the cheapest vehicle to insure is the Honda Civic LX at an average of $1,854 per year, and the overall most expensive vehicle to insure is the Honda Civic Type R at an average of $2,458 per year.
The table shown below compares and ranks the yearly and monthly cost of car insurance for 2024 Honda Accord and Honda Civic models, with average rates for each vehicle.
Model and Trim Level | Annual Premium | Cost Per Month |
---|---|---|
Civic LX | $1,854 | $155 |
Civic LX Hatchback | $1,890 | $158 |
Civic Sport | $1,910 | $159 |
Civic Sport Hatchback | $1,932 | $161 |
Civic Sport Touring Hatchback | $2,064 | $172 |
Civic EX-L Hatchback | $2,102 | $175 |
Civic Touring | $2,148 | $179 |
Civic EX | $2,162 | $180 |
Accord EX-L Hybrid | $2,180 | $182 |
Civic Si | $2,220 | $185 |
Accord Sport Hybrid | $2,242 | $187 |
Accord Touring Hybrid | $2,270 | $189 |
Accord EX | $2,276 | $190 |
Accord Sport-L Hybrid | $2,292 | $191 |
Accord LX | $2,320 | $193 |
Civic Type R | $2,458 | $205 |
Data Methodogy: Rated driver is a 40-year-old male with with good credit, a clean driving record, and no claims or at-fault accidents. Premium includes comprehensive and collision coverage with $500 deductibles. Liability limits are 100/300/100 and UM/UIM and medical payments coverage is included. Rates last updated on June 27, 2025
The rate chart below demonstrates the average cost to insure the two models with different ages of drivers. The average cost of car insurance ranges from $2,002 to $4,552 per year for a 2024 Honda Accord, and $1,838 to $4,110 for a 2024 Honda Civic for the example age groups.

The two tables below display the expected annual car insurance cost by trim level for both 2024 models, as well as an average rate for each model. The model with the cheapest average car insurance rates for 2024 is the Honda Civic.
2024 Honda Accord
$2,262
2024 Honda Accord Trims | Rate |
---|---|
EX-L Hybrid | $2,180 |
Sport Hybrid | 2,242 |
Touring Hybrid | 2,270 |
EX | 2,276 |
Sport-L Hybrid | 2,292 |
LX | 2,320 |
2024 Honda Accord Average Rate | $2,262 |
2024 Honda Civic
$2,074
2024 Honda Civic Trims | Rate |
---|---|
LX | $1,854 |
LX Hatchback | 1,890 |
Sport | 1,910 |
Sport Hatchback | 1,932 |
Sport Touring Hatchback | 2,064 |
EX-L Hatchback | 2,102 |
Touring | 2,148 |
EX | 2,162 |
Si | 2,220 |
Type R | 2,458 |
2024 Honda Civic Average Rate | $2,074 |
2023 Honda Accord vs. Honda Civic
For 2023, the model having cheaper average car insurance is the Honda Civic. Average insurance rates for the Honda Accord are $2,304 per year, and insurance for a Honda Civic costs an average of $2,214 per year.
For a 2023 Honda Accord, average insurance rates range from the cheapest price of $2,134 per year for the Hybrid model up to $2,502 for the Touring model. The cheapest models to insure are the Hybrid, LX, and Hybrid Sport.
For a 2023 Honda Civic, rates range from $2,066 per year for the Sport model up to $2,444 for the most expensive Type R model. The cheapest Honda Civic models to insure include the Sport, Sport Hatchback, and EX.
The next table compares the cost of car insurance for 2023 Honda Accord and Honda Civic models, showing average premium cost for each trim level.
Model and Trim Level | Annual Premium | Cost Per Month |
---|---|---|
Civic Sport | $2,066 | $172 |
Civic Sport Hatchback | $2,092 | $174 |
Civic EX | $2,114 | $176 |
Accord Hybrid | $2,134 | $178 |
Civic EX-L Hatchback | $2,166 | $181 |
Civic Si | $2,178 | $182 |
Accord LX | $2,198 | $183 |
Accord Hybrid Sport | $2,234 | $186 |
Accord Sport | $2,280 | $190 |
Accord Hybrid EX-L | $2,304 | $192 |
Civic Touring | $2,322 | $194 |
Accord Sport Special Edition | $2,324 | $194 |
Civic Sport Touring Hatchback | $2,344 | $195 |
Accord Hybrid Touring | $2,376 | $198 |
Accord EX-L | $2,384 | $199 |
Civic Type R | $2,444 | $204 |
Accord Touring | $2,502 | $209 |
Data Methodogy: Rated driver is a 40-year-old male with with good credit, a clean driving record, and no claims or at-fault accidents. Premium includes comprehensive and collision coverage with $500 deductibles. Liability limits are 100/300/100 and UM/UIM and medical payments coverage is included. Rates last updated on June 27, 2025
The chart shown below illustrates the average cost to insure both 2023 models for four different driver age groups. For a 2023 Honda Accord, average car insurance cost ranges from $2,038 to $4,668 per year for the age groups used in the chart. A 2023 Honda Civic costs from $1,970 to $4,428 to insure per year.

For the nine trim levels available for the 2023 Honda Accord, the cheapest trim to insure is the Hybrid trim at an average cost of $2,134 per year, or around $178 per month. For the eight trim levels available for the Honda Civic, the cheapest 2023 trim to insure is the Sport trim at a cost of $2,066 per year, or around $172 per month.
When rates are compared for the 17 trim levels of both 2023 models, the overall cheapest vehicle to insure is the Honda Civic Sport at an average of $2,066 per year. The most expensive vehicle to insure is the Honda Accord Touring at a cost of $2,502 per year.
The two tables below display the average insurance cost by trim level for both 2023 models, plus the average rate for each model.
2023 Honda Accord
$2,304
2023 Honda Accord Trims | Rate |
---|---|
Hybrid | $2,134 |
LX | 2,198 |
Hybrid Sport | 2,234 |
Sport | 2,280 |
Hybrid EX-L | 2,304 |
Sport Special Edition | 2,324 |
Hybrid Touring | 2,376 |
EX-L | 2,384 |
Touring | 2,502 |
2023 Honda Accord Average Rate | $2,304 |
2023 Honda Civic
$2,214
2023 Honda Civic Trims | Rate |
---|---|
Sport | $2,066 |
Sport Hatchback | 2,092 |
EX | 2,114 |
EX-L Hatchback | 2,166 |
Si | 2,178 |
Touring | 2,322 |
Sport Touring Hatchback | 2,344 |
Type R | 2,444 |
2023 Honda Civic Average Rate | $2,214 |
2022 Honda Accord vs. Honda Civic
Car insurance on a 2022 Honda Accord costs an average of $2,228 per year, and the 2022 Honda Civic costs an average of $2,106 per year, making the Honda Civic the model with the cheapest overall car insurance rates.
Within each different model, however, rates vary quite a bit depending on the vehicle trim level.
For a 2022 Honda Accord, insurance rates range from $2,044 per year for the Hybrid model up to $2,460 for the Touring model.
For a 2022 Honda Civic, rates can range from $1,960 per year for the LX model up to $2,300 for the most expensive Type R model.
When comparing both models, the most affordable model and trim level is the Honda Civic LX at an average rate of $1,960 per year. The highest-cost model and trim level is the Honda Accord Touring costing an average of $2,460 per year.
For a 2022 Honda Accord, the cheapest models are the Hybrid, Hybrid EX-L, and LX. The cheapest Honda Civic models include the LX, LX Hatchback, and Sport. On a monthly basis, insurance rates for all 2022 Honda Accord and Honda Civic models range from $163 to $205 per month.
The table below compares the annual and monthly cost of car insurance for 2022 Honda Accord and Honda Civic models, showing average cost for every trim level.
Model and Trim Level | Annual Premium | Cost Per Month |
---|---|---|
Civic LX | $1,960 | $163 |
Civic LX Hatchback | $1,996 | $166 |
Civic Sport | $2,008 | $167 |
Civic Sport Hatchback | $2,040 | $170 |
Accord Hybrid | $2,044 | $170 |
Civic EX | $2,058 | $172 |
Civic EX-L Hatchback | $2,104 | $175 |
Accord Hybrid EX-L | $2,110 | $176 |
Civic Si | $2,110 | $176 |
Civic Si HPT | $2,112 | $176 |
Accord LX | $2,150 | $179 |
Accord Hybrid Sport | $2,168 | $181 |
Civic Touring | $2,238 | $187 |
Accord Hybrid Touring | $2,242 | $187 |
Accord Sport | $2,262 | $189 |
Civic Sport Touring Hatchback | $2,268 | $189 |
Civic Type R | $2,300 | $192 |
Accord EX-L | $2,328 | $194 |
Accord Sport Special Edition | $2,328 | $194 |
Accord Touring | $2,460 | $205 |
Data Methodogy: Rated driver is a 40-year-old male with with good credit, a clean driving record, and no claims or at-fault accidents. Premium includes comprehensive and collision coverage with $500 deductibles. Liability limits are 100/300/100 and UM/UIM and medical payments coverage is included. Rates last updated on June 27, 2025
The chart shown below illustrates the average cost to insure the two models rated for a variety of different driver ages. For a 2022 Honda Accord, average insurance cost ranges from $1,978 to $4,534 per year for the age groups used in the chart. A 2022 Honda Civic costs from $1,874 to $4,222 to insure per year.

How does insurance cost for a 2022 Honda Accord compare to a Honda Civic?
- A low deductible policy could cost up to $690 more per year for the Honda Accord and $604 for the Honda Civic when compared to a higher deductible.
- For a 17-year-old driver, insurance on a Honda Accord costs an average of $7,807 per year and Honda Civic insurance costs an average of $7,287 per year, a difference of $520 per year.
- Being a safe driver could earn a discount of around $288 for the Honda Accord and $272 for the Honda Civic.
- For an 18-year-old driver, insurance on a Honda Accord costs an average of $6,995 per year and Honda Civic insurance costs an average of $6,466 per year, a difference of $529 per year.
- Getting a minor traffic violation could increase average rates as much as $602 per year for the Honda Accord and $564 for the Honda Civic.
- The cheapest 2022 Honda Accord insurance is on the Hybrid costing $2,044 per year. The cheapest 2022 Honda Civic to insure is the LX costing $1,960 per year.
- Average car insurance cost per month for the Honda Accord is 5.5% more expensive than the Honda Civic, at $186 versus $176.
The tables below detail insurance rates for all trim levels of 2022 Accord and Civic models. The 2022 Honda Accord has an average insurance cost of $2,228 and the 2022 Honda Civic is $2,106, making the Honda Civic cheaper by $122 per year.
2022 Honda Accord
$2,228
2022 Honda Accord Trims | Rate |
---|---|
Hybrid | $2,044 |
Hybrid EX-L | 2,110 |
LX | 2,150 |
Hybrid Sport | 2,168 |
Hybrid Touring | 2,242 |
Sport | 2,262 |
EX-L | 2,328 |
Sport Special Edition | 2,328 |
Touring | 2,460 |
2022 Honda Accord Average Rate | $2,228 |
2022 Honda Civic
$2,106
2022 Honda Civic Trims | Rate |
---|---|
LX | $1,960 |
LX Hatchback | 1,996 |
Sport | 2,008 |
Sport Hatchback | 2,040 |
EX | 2,058 |
EX-L Hatchback | 2,104 |
Si | 2,110 |
Si HPT | 2,112 |
Touring | 2,238 |
Sport Touring Hatchback | 2,268 |
Type R | 2,300 |
2022 Honda Civic Average Rate | $2,106 |
2021 Honda Accord vs. Honda Civic
For 2021 Honda Accord and Honda Civic models, the Honda Civic is cheaper to insure by an average of $216 per year for this comparison year.
The next chart illustrates the average cost to insure both 2021 models rated for different driver ages. For a 2021 Honda Accord, the average cost of car insurance ranges from $1,894 to $4,336 per year for the included driver ages. A 2021 Honda Civic costs from $1,710 to $3,838 to insure per year.

The 2021 Honda Accord has nine trim levels available, with the cheapest model to insure being the LX Sedan model at an average cost of $1,898 per year, or around $158 per month.
The 2021 Honda Civic has 13 trim levels available, with the cheapest trim to insure being the LX Sedan trim at an average cost of $1,730 per year, or $144 per month.
When average insurance prices for all 22 trim levels for the 2021 model year of both models are compared, the lowest-cost model and trim to insure is the Honda Civic LX Sedan at an average rate of $1,730 per year. The highest-cost model and trim level is the Honda Civic Sport Touring Hatchback costing an average of $2,354 per year.
The next tables display average car insurance rates for each trim level, along with an average cost for each model. The model with the cheapest average car insurance rates for 2021 is the Honda Civic.
2021 Honda Accord
$2,134
2021 Honda Accord Trims | Rate |
---|---|
LX Sedan | $1,898 |
EX Sedan | 2,028 |
Sport Sedan | 2,080 |
Hybrid Sedan | 2,112 |
EX-L Sedan | 2,136 |
Hybrid EX Sedan | 2,176 |
Hybrid EX-L Sedan | 2,240 |
Touring Sedan | 2,264 |
Hybrid Touring Sedan | 2,306 |
2021 Honda Accord Average Rate | $2,134 |
2021 Honda Civic
$1,918
2021 Honda Civic Trims | Rate |
---|---|
LX Sedan | $1,730 |
LX Hatchback | 1,762 |
Sport Sedan | 1,794 |
EX Sedan | 1,826 |
Sport Hatchback | 1,826 |
LX Coupe | 1,884 |
EX Hatchback | 1,892 |
EX-L Navi Hatchback | 1,892 |
EX-L Sedan | 1,892 |
EX Coupe | 1,950 |
Touring Sedan | 2,058 |
Touring Hatchback | 2,104 |
Sport Touring Hatchback | 2,354 |
2021 Honda Civic Average Rate | $1,918 |
2020 Honda Accord vs Civic
When comparing insurance rates for the 2020 Honda Accord and Honda Civic models, the Honda Civic is cheaper by an average of $202 per year.
The chart shown below demonstrates the average cost to insure both 2020 models for drivers from age 20 to 50. The average cost of car insurance ranges from $1,842 to $4,216 per year for a 2020 Honda Accord, and $1,670 to $3,752 for a 2020 Honda Civic.

Out of nine Honda Accord trims, the cheapest 2020 trim level to insure is the LX Sedan trim at an average cost of $1,846 per year.
For the 17 trim levels available for the Honda Civic, the cheapest 2020 trim level to insure is the LX Sedan trim at a cost of $1,680.
When trim-level rates for both models are compared, the lowest-cost model and trim level to insure is the Honda Civic LX Sedan at an average rate of $1,680 per year. The most expensive vehicle to insure is the Honda Civic Sport Touring Hatchback at a cost of $2,290 per year.
The next tables display all the available trims for both 2020 models, plus an average rate for each model.
2020 Honda Accord
$2,076
2020 Honda Accord Trims | Rate |
---|---|
LX Sedan | $1,846 |
EX Sedan | 1,968 |
Sport Sedan | 2,022 |
Hybrid Sedan | 2,054 |
EX-L Sedan | 2,074 |
Hybrid EX Sedan | 2,116 |
Hybrid EX-L Sedan | 2,178 |
Touring Sedan | 2,198 |
Hybrid Touring Sedan | 2,240 |
2020 Honda Accord Average Rate | $2,076 |
2020 Honda Civic
$1,874
2020 Honda Civic Trims | Rate |
---|---|
LX Sedan | $1,680 |
LX Hatchback | 1,712 |
Sport Sedan | 1,740 |
EX Sedan | 1,772 |
Sport Hatchback | 1,772 |
SI Sedan | 1,798 |
EX Hatchback | 1,834 |
EX-L Navi Hatchback | 1,834 |
EX-L Sedan | 1,834 |
LX Coupe | 1,834 |
Sport Coupe | 1,864 |
EX Coupe | 1,894 |
Touring Coupe | 1,964 |
SI Coupe | 2,000 |
Touring Sedan | 2,000 |
Touring Hatchback | 2,042 |
Sport Touring Hatchback | 2,290 |
2020 Honda Civic Average Rate | $1,874 |
2019 Honda Accord vs Civic
When comparing average insurance rates for 2019 models, a Honda Accord costs an average of $1,994 per year to insure and a Honda Civic costs $1,812, making the Honda Civic cheaper to insure by $182 per year.
The next chart displays the average cost to insure the two models for drivers from age 20 to 50. For a 2019 Honda Accord, insurance cost ranges from $1,768 to $4,048 per year for the age groups used in the chart. A 2019 Honda Civic costs from $1,616 to $3,644 to insure per year.

The 2019 Honda Accord has nine trim levels available, with the cheapest trim to insure being the LX Sedan trim at an average cost of $1,846 per year, or about $154 per month.
For the 18 trim levels available for the Honda Civic, the cheapest 2019 trim level to insure is the SI Sedan model at a cost of $1,584.
When comparing aggregated rates for both models from a trim-level perspective, the cheapest vehicle to insure is the Honda Civic SI Sedan at an average cost of $1,584 per year, and the most expensive model and trim level is the Honda Accord Touring Sedan at an average cost of $2,124 per year.
The next two rate tables show average car insurance rates for every trim level for both 2019 models, plus an average rate for each model. The model with the cheapest overall car insurance cost for 2019 is the Honda Civic.
2019 Honda Accord
$1,994
2019 Honda Accord Trims | Rate |
---|---|
LX Sedan | $1,846 |
Hybrid Sedan | 1,868 |
Hybrid EX Sedan | 1,946 |
EX Sedan | 1,966 |
Hybrid EX-L Sedan | 2,004 |
EX-L Sedan | 2,064 |
Hybrid Touring Sedan | 2,064 |
Sport Sedan | 2,064 |
Touring Sedan | 2,124 |
2019 Honda Accord Average Rate | $1,994 |
2019 Honda Civic
$1,812
2019 Honda Civic Trims | Rate |
---|---|
SI Sedan | $1,584 |
LX Hatchback | 1,702 |
LX Sedan | 1,702 |
LX Coupe | 1,720 |
Sport Coupe | 1,720 |
Sport Sedan | 1,732 |
EX Hatchback | 1,762 |
EX Sedan | 1,762 |
Sport Hatchback | 1,762 |
EX Coupe | 1,780 |
EX-L Sedan | 1,822 |
EX-L Navigation Hatchback | 1,882 |
Touring Coupe | 1,882 |
Touring Sedan | 1,882 |
SI Coupe | 1,924 |
Touring Hatchback | 1,924 |
Type-R Hatchback | 2,040 |
Sport Touring Hatchback | 2,062 |
2019 Honda Civic Average Rate | $1,812 |
2018 Honda Accord vs Civic
For 2018 Honda Accord and Honda Civic models, the Honda Civic is cheaper to insure by an average of $110 per year for this comparison year.
The next chart illustrates the average cost to insure both 2018 models for the 20, 30, 40, and 50-year-old driver age groups. For a 2018 Honda Accord, insurance cost ranges from $1,690 to $3,850 per year for these driver ages. A 2018 Honda Civic costs from $1,602 to $3,572 to insure per year.

Out of 11 Honda Accord trim levels, the cheapest 2018 trim level to insure is the LX Sedan model at an average cost of $1,774 per year.
The 2018 Honda Civic has 22 trims available, with the cheapest trim to insure being the SI Sedan trim at an average cost of $1,512 per year.
When rates are compared for the 33 trim levels of both 2018 models, the cheapest trim to insure is the Honda Civic SI Sedan at a cost of $1,512 per year. The most expensive vehicle to insure is the Honda Accord Touring Sedan costing $2,034 per year.
The next two tables show trim level insurance cost averages for both 2018 models, along with an average cost for each model. The 2018 Honda Civic has cheaper average car insurance rates than the 2018 Honda Accord.
2018 Honda Accord
$1,900
2018 Honda Accord Trims | Rate |
---|---|
LX Sedan | $1,774 |
Hybrid Sedan | 1,788 |
Hybrid EX Sedan | 1,868 |
EX Sedan | 1,886 |
Hybrid EX-L Sedan | 1,904 |
Sport Sedan | 1,904 |
EX-L Sedan | 1,916 |
Hybrid EX-L Navigation Sedan | 1,916 |
Hybrid Touring Sedan | 1,962 |
EX-L Navigation Sedan | 1,972 |
Touring Sedan | 2,034 |
2018 Honda Accord Average Rate | $1,900 |
2018 Honda Civic
$1,790
2018 Honda Civic Trims | Rate |
---|---|
SI Sedan | $1,512 |
LX Coupe | 1,648 |
EX-T Coupe | 1,704 |
LX-P Coupe | 1,704 |
LX Sedan | 1,716 |
Type-R Hatchback | 1,736 |
LX Hatchback | 1,754 |
EX-L Coupe | 1,760 |
EX Sedan | 1,772 |
EX-T Sedan | 1,772 |
LX Honda Sensing Sedan | 1,772 |
Sport Hatchback | 1,800 |
EX Hatchback | 1,828 |
EX Honda Sensing Sedan | 1,828 |
EX-T Honda Sensing Sedan | 1,828 |
EX-TL Sedan | 1,828 |
SI Coupe | 1,842 |
Touring Coupe | 1,854 |
EX-TL Honda Sensing Sedan | 1,884 |
EX-L Hatchback | 1,912 |
Touring Sedan | 1,940 |
Sport Touring Hatchback | 1,978 |
2018 Honda Civic Average Rate | $1,790 |
2017 Honda Accord vs Civic
When comparing average insurance rates for the 2017 Honda Accord and Honda Civic models, the Honda Civic is cheaper to insure by an average of $108 per year for this model year.
The next chart demonstrates the average cost to insure the two models using a range of rated driver ages. Insurance cost ranges from $1,616 to $3,660 per year for a 2017 Honda Accord, and $1,530 to $3,402 for a 2017 Honda Civic for the age groups used in this illustration.

Out of 20 trims for the 2017 Honda Accord, the cheapest average insurance prices are on the LX Sedan model at a cost of $1,710 per year. The 2017 Honda Civic has 17 trim levels available, with the cheapest trim level to insure being the SI Sedan trim at an average cost of $1,404 per year, or $117 per month.
When rates are compared for the 37 trim levels of both 2017 models, the lowest-cost model and trim to insure is the Honda Civic SI Sedan at a cost of $1,404 per year. The most expensive model and trim level is the Honda Accord Touring Coupe at an average of $1,936 per year.
The next two tables display trim level insurance rates for each 2017 model, including an overall average cost for each model. The 2017 Honda Civic takes the win over the 2017 Honda Accord for cheapest car insurance cost.
2017 Honda Accord
$1,814
2017 Honda Accord Trims | Rate |
---|---|
LX Sedan | $1,710 |
LX Sensing Sedan | 1,710 |
EX Sedan | 1,762 |
Sport Sedan | 1,762 |
Sport Special Edition Sedan | 1,762 |
LX-S Coupe | 1,778 |
LX-S Sensing Coupe | 1,778 |
Hybrid Sedan | 1,788 |
EX Sensing Sedan | 1,814 |
Sport Sensing Sedan | 1,814 |
Touring Sedan | 1,814 |
EX Coupe | 1,830 |
EX Sensing Coupe | 1,830 |
EX-L Coupe | 1,830 |
Hybrid EX-L Sedan | 1,840 |
EX-L Sedan | 1,852 |
EX-L Navi/Sensing Coupe | 1,884 |
Hybrid Touring Sedan | 1,892 |
EX-L Navi/Sensing Sedan | 1,904 |
Touring Coupe | 1,936 |
2017 Honda Accord Average Rate | $1,814 |
2017 Honda Civic
$1,706
2017 Honda Civic Trims | Rate |
---|---|
SI Sedan | $1,404 |
LX Coupe | 1,594 |
LX-P Coupe | 1,594 |
EX Coupe | 1,648 |
LX Hatchback | 1,664 |
LX Sedan | 1,664 |
Type-R Touring Hatchback | 1,668 |
EX-L Coupe | 1,700 |
EX Sedan | 1,718 |
Sport Hatchback | 1,718 |
SI Coupe | 1,726 |
EX-L Sedan | 1,762 |
EX Hatchback | 1,770 |
Touring Coupe | 1,790 |
EX-L Hatchback | 1,822 |
Touring Sedan | 1,876 |
Sport Touring Hatchback | 1,912 |
2017 Honda Civic Average Rate | $1,706 |
2016 Honda Accord vs Civic
When comparing insurance cost for 2016 models, a Honda Accord costs an average of $1,738 per year to insure and a Honda Civic costs $1,586, making the Honda Civic cheaper to insure by $152 per year.
The next chart displays the average cost to insure both 2016 models using a range of rated driver ages. Average insurance cost ranges from $1,556 to $3,494 per year for a 2016 Honda Accord, and $1,422 to $3,146 for a 2016 Honda Civic.

The 2016 Honda Accord has 17 trim levels available, with the cheapest trim level to insure being the LX Sedan model at an average cost of $1,620 per year.
Out of the 10 trims available for the Honda Civic, the cheapest 2016 trim level to insure is the LX Sedan trim at a cost of $1,490.
When comparing rates by trim level for both models, the most affordable model and trim level to insure is the Honda Civic LX Sedan at an average cost of $1,490 per year, and the most expensive trim is the Honda Accord Touring Coupe at an average cost of $1,896 per year.
The next two rate tables display average car insurance cost by trim level for each 2016 model, along with an average cost for each model. The cheapest model to insure for the 2016 model year is the Honda Civic.
2016 Honda Accord
$1,738
2016 Honda Accord Trims | Rate |
---|---|
LX Sedan | $1,620 |
LX Sensing Sedan | 1,620 |
EX Sedan | 1,668 |
Sport Sedan | 1,668 |
Sport Sensing Sedan | 1,668 |
LX-S Coupe | 1,704 |
EX Sensing Sedan | 1,716 |
EX-L Sedan | 1,716 |
EX Coupe | 1,750 |
LX-S Sensing Coupe | 1,750 |
EX-L Navi/Sensing Sedan | 1,764 |
EX-L Sensing Sedan | 1,764 |
EX Sensing Coupe | 1,798 |
EX-L Coupe | 1,798 |
Touring Sedan | 1,814 |
EX-L Navi/Sensing Coupe | 1,848 |
Touring Coupe | 1,896 |
2016 Honda Accord Average Rate | $1,738 |
2016 Honda Civic
$1,586
2016 Honda Civic Trims | Rate |
---|---|
LX Sedan | $1,490 |
LX Coupe | 1,504 |
EX Sedan | 1,546 |
EX-T Sedan | 1,570 |
EX-TL Sedan | 1,594 |
EX-L Coupe | 1,600 |
EX-T Coupe | 1,600 |
LX-P Coupe | 1,600 |
Touring Sedan | 1,666 |
Touring Coupe | 1,682 |
2016 Honda Civic Average Rate | $1,586 |
Be sure to see our comprehensive 2016 Honda Civic insurance cost article.
2015 Honda Accord vs Civic
When comparing insurance rates for 2015 models, the Honda Accord costs an average of $1,540 per year to insure and the Honda Civic costs $1,446, making the Honda Civic the winner by $94 for the 2015 comparison year.
The chart shown below illustrates the average cost to insure the two models using drivers aged 20 to 50. Average car insurance cost ranges from $1,384 to $3,082 per year for a 2015 Honda Accord, and $1,304 to $2,876 for a 2015 Honda Civic for these driver ages.

The 2015 Honda Accord has 16 trim levels available, with the cheapest trim to insure being the LX Sedan trim at an average cost of $1,394 per year, or around $116 per month. For the 13 trim levels available for the Honda Civic, the cheapest 2015 trim to insure is the LX Sedan trim at a cost of $1,298.
When car insurance rates for all 29 trim levels for the 2015 model year of both models are compared, the overall cheapest vehicle to insure is the Honda Civic LX Sedan at a cost of $1,298 per year. The most expensive model and trim level is the Honda Accord Hybrid Touring Sedan at an average cost of $1,678 per year.
The next two rate tables display both 2015 models and all trim levels available for each one, including an overall average cost for each model. The cheapest model to insure for the 2015 model year is the Honda Civic.
2015 Honda Accord
$1,540
2015 Honda Accord Trims | Rate |
---|---|
LX Sedan | $1,394 |
Sport Sedan | 1,394 |
EX Sedan | 1,438 |
Crosstour EX 2WD | 1,452 |
LX-S Coupe | 1,482 |
EX Coupe | 1,528 |
EX-L Sedan | 1,528 |
Crosstour EX-L 2WD | 1,542 |
Crosstour EX-L 4WD | 1,542 |
Hybrid Sedan | 1,590 |
EX-L Coupe | 1,604 |
Crosstour EX-L Navigation 2WD | 1,618 |
Crosstour EX-L Navigation 4WD | 1,618 |
Touring Sedan | 1,618 |
Hybrid EX-L Sedan | 1,634 |
Hybrid Touring Sedan | 1,678 |
2015 Honda Accord Average Rate | $1,540 |
2015 Honda Civic
$1,446
2015 Honda Civic Trims | Rate |
---|---|
LX Sedan | $1,298 |
SE Sedan | 1,298 |
EX Sedan | 1,342 |
HF Sedan | 1,342 |
EX-L Sedan | 1,390 |
SI Sedan | 1,390 |
CNG Sedan | 1,448 |
LX Coupe | 1,504 |
Hybrid L Sedan | 1,530 |
EX Coupe | 1,540 |
Hybrid Sedan | 1,540 |
EX-L Coupe | 1,588 |
SI Coupe | 1,588 |
2015 Honda Civic Average Rate | $1,446 |