Honda Accord vs. Civic Insurance Cost

Does the Honda Accord or the Honda Civic have cheaper car insurance rates? We broke down rates for the 2015 through 2024 model years to discover the answer.

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  • 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.

2024 Model Year Honda Accord vs. Honda Civic Insurance Rates
Model and Trim Level Annual Premium Cost Per Month
$1,854$155
$1,890$158
$1,910$159
$1,932$161
$2,064$172
$2,102$175
$2,148$179
$2,162$180
$2,180$182
$2,220$185
$2,242$187
$2,270$189
$2,276$190
$2,292$191
$2,320$193
$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

Annual and monthly insurance cost by trim level for a 2024 Honda Accord and a 2024 Honda Civic
Annual and monthly insurance cost by trim level for a 2024 Honda Accord and a 2024 Honda Civic

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.

Average car insurance premiums for 2024 Honda Accord and Honda Civic models for different driver ages.
Figure 1: Average car insurance premiums for 2024 Honda Accord and Honda Civic models for different driver ages. Rates updated on June 26, 2025.

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Data Methodology: Rates based on a 2024 model year Honda Accord and Honda Civic. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2024 Honda Accord vs. Honda Civic Insurance Cost
Driver Age Honda Accord Honda Civic
18-Year-Old$7,006$6,291
20-Year-Old$4,552$4,110
25-Year-Old$2,628$2,402
30-Year-Old$2,416$2,214
40-Year-Old$2,262$2,074
50-Year-Old$2,002$1,838
60-Year-Old$1,874$1,718

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2024 model year. Updated June 26, 2025

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

Insurance Rates by Trim Level for a 2024 Honda Accord
2024 Honda Accord TrimsRate
EX-L Hybrid$2,180
Sport Hybrid2,242
Touring Hybrid2,270
EX2,276
Sport-L Hybrid2,292
LX2,320
2024 Honda Accord Average Rate$2,262

2024 Honda Civic

$2,074

Insurance Rates by Trim Level for 2024 Honda Accord
2024 Honda Civic TrimsRate
LX$1,854
LX Hatchback1,890
Sport1,910
Sport Hatchback1,932
Sport Touring Hatchback2,064
EX-L Hatchback2,102
Touring2,148
EX2,162
Si2,220
Type R2,458
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.

2023 Model Year Honda Accord vs. Honda Civic Insurance Rates
Model and Trim Level Annual Premium Cost Per Month
$2,066$172
$2,092$174
$2,114$176
$2,134$178
$2,166$181
$2,178$182
$2,198$183
$2,234$186
$2,280$190
$2,304$192
$2,322$194
$2,324$194
$2,344$195
$2,376$198
$2,384$199
$2,444$204
$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

Annual and monthly insurance cost by trim level for a 2023 Honda Accord and a 2023 Honda Civic
Annual and monthly insurance cost by trim level for a 2023 Honda Accord and a 2023 Honda Civic

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.

Average car insurance premiums for 2023 Honda Accord and Honda Civic models for different driver ages.
Figure 2: Average car insurance premiums for 2023 Honda Accord and Honda Civic models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2023 model year Honda Accord and Honda Civic. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2023 Honda Accord vs. Honda Civic Insurance Cost
Driver Age Honda Accord Honda Civic
18-Year-Old$7,199$6,781
20-Year-Old$4,668$4,428
25-Year-Old$2,678$2,568
30-Year-Old$2,456$2,356
40-Year-Old$2,304$2,214
50-Year-Old$2,038$1,970
60-Year-Old$1,910$1,840

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2023 model year. Updated June 27, 2025

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

Insurance Rates by Trim Level for a 2023 Honda Accord
2023 Honda Accord TrimsRate
Hybrid$2,134
LX2,198
Hybrid Sport2,234
Sport2,280
Hybrid EX-L2,304
Sport Special Edition2,324
Hybrid Touring2,376
EX-L2,384
Touring2,502
2023 Honda Accord Average Rate$2,304

2023 Honda Civic

$2,214

Insurance Rates by Trim Level for 2023 Honda Accord
2023 Honda Civic TrimsRate
Sport$2,066
Sport Hatchback2,092
EX2,114
EX-L Hatchback2,166
Si2,178
Touring2,322
Sport Touring Hatchback2,344
Type R2,444
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.

2022 Model Year Honda Accord vs. Honda Civic Insurance Rates
Model and Trim Level Annual Premium Cost Per Month
$1,960$163
$1,996$166
$2,008$167
$2,040$170
$2,044$170
$2,058$172
$2,104$175
$2,110$176
$2,110$176
$2,112$176
$2,150$179
$2,168$181
$2,238$187
$2,242$187
$2,262$189
$2,268$189
$2,300$192
$2,328$194
$2,328$194
$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

Annual and monthly insurance cost by trim level for a 2022 Honda Accord and a 2022 Honda Civic
Annual and monthly insurance cost by trim level for a 2022 Honda Accord and a 2022 Honda Civic

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.

Average car insurance premiums for 2022 Honda Accord and Honda Civic models for different driver ages.
Figure 3: Average car insurance premiums for 2022 Honda Accord and Honda Civic models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2022 model year Honda Accord and Honda Civic. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2022 Honda Accord vs. Honda Civic Insurance Cost
Driver Age Honda Accord Honda Civic
18-Year-Old$6,995$6,466
20-Year-Old$4,534$4,222
25-Year-Old$2,594$2,444
30-Year-Old$2,378$2,244
40-Year-Old$2,228$2,106
50-Year-Old$1,978$1,874
60-Year-Old$1,852$1,754

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2022 model year. Updated June 27, 2025

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

Insurance Rates by Trim Level for a 2022 Honda Accord
2022 Honda Accord TrimsRate
Hybrid$2,044
Hybrid EX-L2,110
LX2,150
Hybrid Sport2,168
Hybrid Touring2,242
Sport2,262
EX-L2,328
Sport Special Edition2,328
Touring2,460
2022 Honda Accord Average Rate$2,228

2022 Honda Civic

$2,106

Insurance Rates by Trim Level for 2022 Honda Accord
2022 Honda Civic TrimsRate
LX$1,960
LX Hatchback1,996
Sport2,008
Sport Hatchback2,040
EX2,058
EX-L Hatchback2,104
Si2,110
Si HPT2,112
Touring2,238
Sport Touring Hatchback2,268
Type R2,300
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.

Average car insurance premiums for 2021 Honda Accord and Honda Civic models for different driver ages.
Figure 4: Average car insurance premiums for 2021 Honda Accord and Honda Civic models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2021 model year Honda Accord and Honda Civic. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2021 Honda Accord vs. Honda Civic Insurance Cost
Driver Age Honda Accord Honda Civic
18-Year-Old$6,692$5,882
20-Year-Old$4,336$3,838
25-Year-Old$2,484$2,222
30-Year-Old$2,280$2,038
40-Year-Old$2,134$1,918
50-Year-Old$1,894$1,710
60-Year-Old$1,776$1,600

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2021 model year. Updated June 27, 2025

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

Insurance Rates by Trim Level for a 2021 Honda Accord
2021 Honda Accord TrimsRate
LX Sedan$1,898
EX Sedan2,028
Sport Sedan2,080
Hybrid Sedan2,112
EX-L Sedan2,136
Hybrid EX Sedan2,176
Hybrid EX-L Sedan2,240
Touring Sedan2,264
Hybrid Touring Sedan2,306
2021 Honda Accord Average Rate$2,134

2021 Honda Civic

$1,918

Insurance Rates by Trim Level for 2021 Honda Accord
2021 Honda Civic TrimsRate
LX Sedan$1,730
LX Hatchback1,762
Sport Sedan1,794
EX Sedan1,826
Sport Hatchback1,826
LX Coupe1,884
EX Hatchback1,892
EX-L Navi Hatchback1,892
EX-L Sedan1,892
EX Coupe1,950
Touring Sedan2,058
Touring Hatchback2,104
Sport Touring Hatchback2,354
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.

Average car insurance premiums for 2020 Honda Accord and Honda Civic models for different driver ages.
Figure 5: Average car insurance premiums for 2020 Honda Accord and Honda Civic models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2020 model year Honda Accord and Honda Civic. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2020 Honda Accord vs. Honda Civic Insurance Cost
Driver Age Honda Accord Honda Civic
18-Year-Old$6,500$5,747
20-Year-Old$4,216$3,752
25-Year-Old$2,414$2,170
30-Year-Old$2,214$1,992
40-Year-Old$2,076$1,874
50-Year-Old$1,842$1,670
60-Year-Old$1,726$1,562

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2020 model year. Updated June 27, 2025

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

Insurance Rates by Trim Level for a 2020 Honda Accord
2020 Honda Accord TrimsRate
LX Sedan$1,846
EX Sedan1,968
Sport Sedan2,022
Hybrid Sedan2,054
EX-L Sedan2,074
Hybrid EX Sedan2,116
Hybrid EX-L Sedan2,178
Touring Sedan2,198
Hybrid Touring Sedan2,240
2020 Honda Accord Average Rate$2,076

2020 Honda Civic

$1,874

Insurance Rates by Trim Level for 2020 Honda Accord
2020 Honda Civic TrimsRate
LX Sedan$1,680
LX Hatchback1,712
Sport Sedan1,740
EX Sedan1,772
Sport Hatchback1,772
SI Sedan1,798
EX Hatchback1,834
EX-L Navi Hatchback1,834
EX-L Sedan1,834
LX Coupe1,834
Sport Coupe1,864
EX Coupe1,894
Touring Coupe1,964
SI Coupe2,000
Touring Sedan2,000
Touring Hatchback2,042
Sport Touring Hatchback2,290
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.

Average car insurance premiums for 2019 Honda Accord and Honda Civic models for different driver ages.
Figure 6: Average car insurance premiums for 2019 Honda Accord and Honda Civic models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2019 model year Honda Accord and Honda Civic. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2019 Honda Accord vs. Honda Civic Insurance Cost
Driver Age Honda Accord Honda Civic
18-Year-Old$6,244$5,580
20-Year-Old$4,048$3,644
25-Year-Old$2,316$2,100
30-Year-Old$2,122$1,924
40-Year-Old$1,994$1,812
50-Year-Old$1,768$1,616
60-Year-Old$1,658$1,514

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2019 model year. Updated June 27, 2025

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

Insurance Rates by Trim Level for a 2019 Honda Accord
2019 Honda Accord TrimsRate
LX Sedan$1,846
Hybrid Sedan1,868
Hybrid EX Sedan1,946
EX Sedan1,966
Hybrid EX-L Sedan2,004
EX-L Sedan2,064
Hybrid Touring Sedan2,064
Sport Sedan2,064
Touring Sedan2,124
2019 Honda Accord Average Rate$1,994

2019 Honda Civic

$1,812

Insurance Rates by Trim Level for 2019 Honda Accord
2019 Honda Civic TrimsRate
SI Sedan$1,584
LX Hatchback1,702
LX Sedan1,702
LX Coupe1,720
Sport Coupe1,720
Sport Sedan1,732
EX Hatchback1,762
EX Sedan1,762
Sport Hatchback1,762
EX Coupe1,780
EX-L Sedan1,822
EX-L Navigation Hatchback1,882
Touring Coupe1,882
Touring Sedan1,882
SI Coupe1,924
Touring Hatchback1,924
Type-R Hatchback2,040
Sport Touring Hatchback2,062
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.

Average car insurance premiums for 2018 Honda Accord and Honda Civic models for different driver ages.
Figure 7: Average car insurance premiums for 2018 Honda Accord and Honda Civic models for different driver ages. Rates updated on June 26, 2025.

Data Methodology: Rates based on a 2018 model year Honda Accord and Honda Civic. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2018 Honda Accord vs. Honda Civic Insurance Cost
Driver Age Honda Accord Honda Civic
18-Year-Old$5,931$5,453
20-Year-Old$3,850$3,572
25-Year-Old$2,208$2,070
30-Year-Old$2,020$1,896
40-Year-Old$1,900$1,790
50-Year-Old$1,690$1,602
60-Year-Old$1,586$1,496

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2018 model year. Updated June 26, 2025

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

Insurance Rates by Trim Level for a 2018 Honda Accord
2018 Honda Accord TrimsRate
LX Sedan$1,774
Hybrid Sedan1,788
Hybrid EX Sedan1,868
EX Sedan1,886
Hybrid EX-L Sedan1,904
Sport Sedan1,904
EX-L Sedan1,916
Hybrid EX-L Navigation Sedan1,916
Hybrid Touring Sedan1,962
EX-L Navigation Sedan1,972
Touring Sedan2,034
2018 Honda Accord Average Rate$1,900

2018 Honda Civic

$1,790

Insurance Rates by Trim Level for 2018 Honda Accord
2018 Honda Civic TrimsRate
SI Sedan$1,512
LX Coupe1,648
EX-T Coupe1,704
LX-P Coupe1,704
LX Sedan1,716
Type-R Hatchback1,736
LX Hatchback1,754
EX-L Coupe1,760
EX Sedan1,772
EX-T Sedan1,772
LX Honda Sensing Sedan1,772
Sport Hatchback1,800
EX Hatchback1,828
EX Honda Sensing Sedan1,828
EX-T Honda Sensing Sedan1,828
EX-TL Sedan1,828
SI Coupe1,842
Touring Coupe1,854
EX-TL Honda Sensing Sedan1,884
EX-L Hatchback1,912
Touring Sedan1,940
Sport Touring Hatchback1,978
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.

Average car insurance premiums for 2017 Honda Accord and Honda Civic models for different driver ages.
Figure 8: Average car insurance premiums for 2017 Honda Accord and Honda Civic models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2017 model year Honda Accord and Honda Civic. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2017 Honda Accord vs. Honda Civic Insurance Cost
Driver Age Honda Accord Honda Civic
18-Year-Old$5,620$5,191
20-Year-Old$3,660$3,402
25-Year-Old$2,104$1,972
30-Year-Old$1,926$1,808
40-Year-Old$1,814$1,706
50-Year-Old$1,616$1,530
60-Year-Old$1,514$1,426

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2017 model year. Updated June 27, 2025

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

Insurance Rates by Trim Level for a 2017 Honda Accord
2017 Honda Accord TrimsRate
LX Sedan$1,710
LX Sensing Sedan1,710
EX Sedan1,762
Sport Sedan1,762
Sport Special Edition Sedan1,762
LX-S Coupe1,778
LX-S Sensing Coupe1,778
Hybrid Sedan1,788
EX Sensing Sedan1,814
Sport Sensing Sedan1,814
Touring Sedan1,814
EX Coupe1,830
EX Sensing Coupe1,830
EX-L Coupe1,830
Hybrid EX-L Sedan1,840
EX-L Sedan1,852
EX-L Navi/Sensing Coupe1,884
Hybrid Touring Sedan1,892
EX-L Navi/Sensing Sedan1,904
Touring Coupe1,936
2017 Honda Accord Average Rate$1,814

2017 Honda Civic

$1,706

Insurance Rates by Trim Level for 2017 Honda Accord
2017 Honda Civic TrimsRate
SI Sedan$1,404
LX Coupe1,594
LX-P Coupe1,594
EX Coupe1,648
LX Hatchback1,664
LX Sedan1,664
Type-R Touring Hatchback1,668
EX-L Coupe1,700
EX Sedan1,718
Sport Hatchback1,718
SI Coupe1,726
EX-L Sedan1,762
EX Hatchback1,770
Touring Coupe1,790
EX-L Hatchback1,822
Touring Sedan1,876
Sport Touring Hatchback1,912
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.

Average car insurance premiums for 2016 Honda Accord and Honda Civic models for different driver ages.
Figure 9: Average car insurance premiums for 2016 Honda Accord and Honda Civic models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2016 model year Honda Accord and Honda Civic. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2016 Honda Accord vs. Honda Civic Insurance Cost
Driver Age Honda Accord Honda Civic
18-Year-Old$5,350$4,785
20-Year-Old$3,494$3,146
25-Year-Old$2,016$1,830
30-Year-Old$1,842$1,674
40-Year-Old$1,738$1,586
50-Year-Old$1,556$1,422
60-Year-Old$1,454$1,326

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2016 model year. Updated June 27, 2025

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

Insurance Rates by Trim Level for a 2016 Honda Accord
2016 Honda Accord TrimsRate
LX Sedan$1,620
LX Sensing Sedan1,620
EX Sedan1,668
Sport Sedan1,668
Sport Sensing Sedan1,668
LX-S Coupe1,704
EX Sensing Sedan1,716
EX-L Sedan1,716
EX Coupe1,750
LX-S Sensing Coupe1,750
EX-L Navi/Sensing Sedan1,764
EX-L Sensing Sedan1,764
EX Sensing Coupe1,798
EX-L Coupe1,798
Touring Sedan1,814
EX-L Navi/Sensing Coupe1,848
Touring Coupe1,896
2016 Honda Accord Average Rate$1,738

2016 Honda Civic

$1,586

Insurance Rates by Trim Level for 2016 Honda Accord
2016 Honda Civic TrimsRate
LX Sedan$1,490
LX Coupe1,504
EX Sedan1,546
EX-T Sedan1,570
EX-TL Sedan1,594
EX-L Coupe1,600
EX-T Coupe1,600
LX-P Coupe1,600
Touring Sedan1,666
Touring Coupe1,682
2016 Honda Civic Average Rate$1,586

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.

Average car insurance premiums for 2015 Honda Accord and Honda Civic models for different driver ages.
Figure 10: Average car insurance premiums for 2015 Honda Accord and Honda Civic models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2015 model year Honda Accord and Honda Civic. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2015 Honda Accord vs. Honda Civic Insurance Cost
Driver Age Honda Accord Honda Civic
18-Year-Old$4,703$4,368
20-Year-Old$3,082$2,876
25-Year-Old$1,780$1,664
30-Year-Old$1,628$1,524
40-Year-Old$1,540$1,446
50-Year-Old$1,384$1,304
60-Year-Old$1,290$1,214

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2015 model year. Updated June 27, 2025

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

Insurance Rates by Trim Level for a 2015 Honda Accord
2015 Honda Accord TrimsRate
LX Sedan$1,394
Sport Sedan1,394
EX Sedan1,438
Crosstour EX 2WD1,452
LX-S Coupe1,482
EX Coupe1,528
EX-L Sedan1,528
Crosstour EX-L 2WD1,542
Crosstour EX-L 4WD1,542
Hybrid Sedan1,590
EX-L Coupe1,604
Crosstour EX-L Navigation 2WD1,618
Crosstour EX-L Navigation 4WD1,618
Touring Sedan1,618
Hybrid EX-L Sedan1,634
Hybrid Touring Sedan1,678
2015 Honda Accord Average Rate$1,540

2015 Honda Civic

$1,446

Insurance Rates by Trim Level for 2015 Honda Accord
2015 Honda Civic TrimsRate
LX Sedan$1,298
SE Sedan1,298
EX Sedan1,342
HF Sedan1,342
EX-L Sedan1,390
SI Sedan1,390
CNG Sedan1,448
LX Coupe1,504
Hybrid L Sedan1,530
EX Coupe1,540
Hybrid Sedan1,540
EX-L Coupe1,588
SI Coupe1,588
2015 Honda Civic Average Rate$1,446

Additional Honda Accord and Honda Civic Resources