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 2023 model years to discover the answer.

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  • At an average cost of $1,832 per year, a 2023 Honda Civic has more affordable car insurance rates than a 2023 Honda Accord by an average of $60 per year.
  • Average car insurance cost per month for the Honda Accord is 3.3% more expensive than the Honda Civic, at $153 versus $148, a difference of $5.
  • If affordable insurance is the most imporant factor, the Hybrid and LX trims are the cheapest Honda Accord models to insure, while the Sport and Sport Hatchback trims are the cheapest Honda Civic models to insure.

Is a Honda Accord or Honda Civic cheaper to insure?

For 2023, the model having cheaper average car insurance is the Honda Civic. Average insurance rates for the Honda Accord are $1,832 per year, and insurance for a Honda Civic costs an average of $1,772 per year.

For a 2023 Honda Accord, average insurance rates range from the cheapest price of $1,696 per year for the Hybrid model up to $1,988 for the Touring model. The cheapest models to insure are the Hybrid, LX, and Hybrid Sport.

For a 2023 Honda Civic, rates range from $1,656 per year for the Sport model up to $1,954 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 Honda Accord vs Honda Civic Insurance Cost by Trim Level
Model and Trim Level Annual Cost Monthly Cost
$1,656$138
$1,676$140
$1,694$141
$1,696$141
$1,734$145
$1,742$145
$1,750$146
$1,774$148
$1,814$151
$1,828$152
$1,850$154
$1,860$155
$1,876$156
$1,886$157
$1,898$158
$1,954$163
$1,988$166

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Table Data Details: Average annual and monthly cost assumes a clean driving record and no at-fault accidents for a 40-year-old driver rated on a 2023 Honda Accord and a 2023 Honda Civic. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 12, 2023
2023 Honda Accord vs Honda Civic Insurance Cost by Trim Level

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 $1,668 to $3,660 per year for the age groups used in the chart. A 2023 Honda Civic costs from $1,614 to $3,506 to insure per year.

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Chart Data Details: Average insurance rates are for a 2023 Honda Accord and a 2023 Honda Civic with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Honda Accord and Honda Civic trim levels.Data last updated on August 12, 2023
2023 Honda Accord vs. 2023 Honda Civic Insurance Cost
2023 Honda Accord vs. Honda Civic Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Honda Accord$3,660$1,932$1,832$1,668
Honda Civic$3,506$1,864$1,772$1,614

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 $1,696 per year, or around $141 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 $1,656 per year, or around $138 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 $1,656 per year. The most expensive vehicle to insure is the Honda Accord Touring at a cost of $1,988 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

$1,832

Insurance Rates by Trim Level for 2023 Honda Accord
2023 Honda Accord TrimsRate
Hybrid$1,696
LX1,750
Hybrid Sport1,774
Sport1,814
Hybrid EX-L1,828
Sport Special Edition1,850
Hybrid Touring1,886
EX-L1,898
Touring1,988
2023 Honda Accord Average Rate$1,832

2023 Honda Civic

$1,772

Insurance Rates by Trim Level for 2023 Honda Accord
2023 Honda Civic TrimsRate
Sport$1,656
Sport Hatchback1,676
EX1,694
EX-L Hatchback1,734
Si1,742
Touring1,860
Sport Touring Hatchback1,876
Type R1,954
2023 Honda Civic Average Rate$1,772

2022 Honda Accord vs. Honda Civic

Car insurance on a 2022 Honda Accord costs an average of $1,774 per year, and the 2022 Honda Civic costs an average of $1,682 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 $1,624 per year for the Hybrid model up to $1,956 for the Touring model.

For a 2022 Honda Civic, rates can range from $1,568 per year for the LX model up to $1,834 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 $1,568 per year. The highest-cost model and trim level is the Honda Accord Touring costing an average of $1,956 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 $131 to $163 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 Honda Accord vs Honda Civic Insurance Cost by Trim Level
Model and Trim Level Annual Cost Monthly Cost
$1,568$131
$1,594$133
$1,606$134
$1,624$135
$1,630$136
$1,644$137
$1,674$140
$1,678$140
$1,684$140
$1,686$141
$1,714$143
$1,728$144
$1,778$148
$1,790$149
$1,800$150
$1,814$151
$1,834$153
$1,852$154
$1,852$154
$1,956$163

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Table Data Details: Average annual and monthly cost assumes a clean driving record and no at-fault accidents for a 40-year-old driver rated on a 2022 Honda Accord and a 2022 Honda Civic. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 12, 2023
2022 Honda Accord vs Honda Civic Insurance Cost by Trim Level

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 $1,614 to $3,548 per year for the age groups used in the chart. A 2022 Honda Civic costs from $1,530 to $3,330 to insure per year.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average insurance rates are for a 2022 Honda Accord and a 2022 Honda Civic with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Honda Accord and Honda Civic trim levels.Data last updated on August 12, 2023
2022 Honda Accord vs. 2022 Honda Civic Insurance Cost
2022 Honda Accord vs. Honda Civic Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Honda Accord$3,548$1,868$1,774$1,614
Honda Civic$3,330$1,762$1,682$1,530

How does insurance cost for a 2022 Honda Accord compare to a Honda Civic?

  • A low deductible policy could cost up to $538 more per year for the Honda Accord and $474 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 $6,004 per year and Honda Civic insurance costs an average of $5,656 per year, a difference of $348 per year.
  • Being a safe driver could earn a discount of around $226 for the Honda Accord and $218 for the Honda Civic.
  • For an 18-year-old driver, insurance on a Honda Accord costs an average of $5,608 per year and Honda Civic insurance costs an average of $5,272 per year, a difference of $336 per year.
  • Getting a minor traffic violation could increase average rates as much as $472 per year for the Honda Accord and $442 for the Honda Civic.
  • The cheapest 2022 Honda Accord insurance is on the Hybrid costing $1,624 per year. The cheapest 2022 Honda Civic to insure is the LX costing $1,568 per year.
  • Average car insurance cost per month for the Honda Accord is 5.6% more expensive than the Honda Civic, at $148 versus $140.

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 $1,774 and the 2022 Honda Civic is $1,682, making the Honda Civic cheaper by $92 per year.

2022 Honda Accord

$1,774

Insurance Rates by Trim Level for 2022 Honda Accord
2022 Honda Accord TrimsRate
Hybrid$1,624
Hybrid EX-L1,674
LX1,714
Hybrid Sport1,728
Hybrid Touring1,778
Sport1,800
EX-L1,852
Sport Special Edition1,852
Touring1,956
2022 Honda Accord Average Rate$1,774

2022 Honda Civic

$1,682

Insurance Rates by Trim Level for 2022 Honda Accord
2022 Honda Civic TrimsRate
LX$1,568
LX Hatchback1,594
Sport1,606
Sport Hatchback1,630
EX1,644
EX-L Hatchback1,678
Si1,684
Si HPT1,686
Touring1,790
Sport Touring Hatchback1,814
Type R1,834
2022 Honda Civic Average Rate$1,682

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 $170 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 $1,548 to $3,392 per year for the included driver ages. A 2021 Honda Civic costs from $1,390 to $3,020 to insure per year.

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Chart Data Details: Average insurance rates are for a 2021 Honda Accord and a 2021 Honda Civic with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Honda Accord and Honda Civic trim levels.Data last updated on August 11, 2023
2021 Honda Accord vs. 2021 Honda Civic Insurance Cost
2021 Honda Accord vs. Honda Civic Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Honda Accord$3,392$1,784$1,696$1,548
Honda Civic$3,020$1,598$1,526$1,390

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 $1,504 per year, or around $125 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 $1,376 per year, or $115 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 $1,376 per year. The highest-cost model and trim level is the Honda Civic Sport Touring Hatchback costing an average of $1,882 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

$1,696

Insurance Rates by Trim Level for 2021 Honda Accord
2021 Honda Accord TrimsRate
LX Sedan$1,504
EX Sedan1,606
Sport Sedan1,648
Hybrid Sedan1,682
EX-L Sedan1,692
Hybrid EX Sedan1,730
Hybrid EX-L Sedan1,782
Touring Sedan1,792
Hybrid Touring Sedan1,830
2021 Honda Accord Average Rate$1,696

2021 Honda Civic

$1,526

Insurance Rates by Trim Level for 2021 Honda Accord
2021 Honda Civic TrimsRate
LX Sedan$1,376
LX Hatchback1,400
Sport Sedan1,424
EX Sedan1,450
Sport Hatchback1,450
EX Hatchback1,500
EX-L Navi Hatchback1,500
EX-L Sedan1,500
LX Coupe1,506
EX Coupe1,554
Touring Sedan1,640
Touring Hatchback1,676
Sport Touring Hatchback1,882
2021 Honda Civic Average Rate$1,526

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 $160 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 $1,526 to $3,350 per year for a 2020 Honda Accord, and $1,380 to $3,002 for a 2020 Honda Civic.

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Chart Data Details: Average insurance rates are for a 2020 Honda Accord and a 2020 Honda Civic with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Honda Accord and Honda Civic trim levels.Data last updated on August 11, 2023
2020 Honda Accord vs. 2020 Honda Civic Insurance Cost
2020 Honda Accord vs. Honda Civic Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Honda Accord$3,350$1,758$1,674$1,526
Honda Civic$3,002$1,584$1,514$1,380

Out of nine Honda Accord trims, the cheapest 2020 trim level to insure is the LX Sedan trim at an average cost of $1,486 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 $1,356.

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 $1,356 per year. The most expensive vehicle to insure is the Honda Civic Sport Touring Hatchback at a cost of $1,860 per year.

The next tables display all the available trims for both 2020 models, plus an average rate for each model.

2020 Honda Accord

$1,674

Insurance Rates by Trim Level for 2020 Honda Accord
2020 Honda Accord TrimsRate
LX Sedan$1,486
EX Sedan1,584
Sport Sedan1,626
Hybrid Sedan1,660
EX-L Sedan1,666
Hybrid EX Sedan1,708
Hybrid EX-L Sedan1,756
Touring Sedan1,766
Hybrid Touring Sedan1,804
2020 Honda Accord Average Rate$1,674

2020 Honda Civic

$1,514

Insurance Rates by Trim Level for 2020 Honda Accord
2020 Honda Civic TrimsRate
LX Sedan$1,356
LX Hatchback1,382
Sport Sedan1,406
EX Sedan1,430
Sport Hatchback1,430
SI Sedan1,452
EX Hatchback1,480
EX-L Navi Hatchback1,480
EX-L Sedan1,480
LX Coupe1,486
Sport Coupe1,510
EX Coupe1,534
Touring Coupe1,590
SI Coupe1,618
Touring Sedan1,618
Touring Hatchback1,652
Sport Touring Hatchback1,860
2020 Honda Civic Average Rate$1,514

2019 Honda Accord vs Civic

When comparing average insurance rates for 2019 models, a Honda Accord costs an average of $1,620 per year to insure and a Honda Civic costs $1,478, making the Honda Civic cheaper to insure by $142 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 $1,478 to $3,240 per year for the age groups used in the chart. A 2019 Honda Civic costs from $1,348 to $2,930 to insure per year.

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Chart Data Details: Average insurance rates are for a 2019 Honda Accord and a 2019 Honda Civic with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Honda Accord and Honda Civic trim levels.Data last updated on August 11, 2023
2019 Honda Accord vs. 2019 Honda Civic Insurance Cost
2019 Honda Accord vs. Honda Civic Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Honda Accord$3,240$1,702$1,620$1,478
Honda Civic$2,930$1,542$1,478$1,348

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 $1,506 per year, or about $126 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 $1,282.

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 $1,282 per year, and the most expensive model and trim level is the Honda Accord Touring Sedan at an average cost of $1,728 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

$1,620

Insurance Rates by Trim Level for 2019 Honda Accord
2019 Honda Accord TrimsRate
LX Sedan$1,506
Hybrid Sedan1,516
Hybrid EX Sedan1,576
EX Sedan1,600
Hybrid EX-L Sedan1,624
Hybrid Touring Sedan1,670
EX-L Sedan1,680
Sport Sedan1,680
Touring Sedan1,728
2019 Honda Accord Average Rate$1,620

2019 Honda Civic

$1,478

Insurance Rates by Trim Level for 2019 Honda Accord
2019 Honda Civic TrimsRate
SI Sedan$1,282
LX Hatchback1,392
LX Sedan1,392
LX Coupe1,406
Sport Coupe1,406
Sport Sedan1,414
EX Hatchback1,440
EX Sedan1,440
Sport Hatchback1,440
EX Coupe1,454
EX-L Sedan1,486
EX-L Navigation Hatchback1,534
Touring Coupe1,534
Touring Sedan1,534
SI Coupe1,566
Touring Hatchback1,566
Type-R Hatchback1,662
Sport Touring Hatchback1,684
2019 Honda Civic Average Rate$1,478

2018 Honda Accord vs Civic

For 2018 Honda Accord and Honda Civic models, the Honda Civic is cheaper to insure by an average of $84 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 $1,434 to $3,146 per year for these driver ages. A 2018 Honda Civic costs from $1,356 to $2,938 to insure per year.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average insurance rates are for a 2018 Honda Accord and a 2018 Honda Civic with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Honda Accord and Honda Civic trim levels.Data last updated on August 12, 2023
2018 Honda Accord vs. 2018 Honda Civic Insurance Cost
2018 Honda Accord vs. Honda Civic Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Honda Accord$3,146$1,646$1,572$1,434
Honda Civic$2,938$1,544$1,488$1,356

Out of 11 Honda Accord trim levels, the cheapest 2018 trim level to insure is the LX Sedan model at an average cost of $1,470 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 $1,248 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 $1,248 per year. The most expensive vehicle to insure is the Honda Accord Touring Sedan costing $1,682 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

$1,572

Insurance Rates by Trim Level for 2018 Honda Accord
2018 Honda Accord TrimsRate
LX Sedan$1,470
Hybrid Sedan1,476
Hybrid EX Sedan1,540
EX Sedan1,560
Hybrid EX-L Sedan1,570
Sport Sedan1,576
Hybrid EX-L Navigation Sedan1,580
EX-L Sedan1,584
Hybrid Touring Sedan1,616
EX-L Navigation Sedan1,630
Touring Sedan1,682
2018 Honda Accord Average Rate$1,572

2018 Honda Civic

$1,488

Insurance Rates by Trim Level for 2018 Honda Accord
2018 Honda Civic TrimsRate
SI Sedan$1,248
LX Coupe1,368
EX-T Coupe1,414
LX-P Coupe1,414
Type-R Hatchback1,430
LX Sedan1,432
EX-L Coupe1,458
LX Hatchback1,460
EX Sedan1,478
EX-T Sedan1,478
LX Honda Sensing Sedan1,478
Sport Hatchback1,500
EX Hatchback1,522
EX Honda Sensing Sedan1,522
EX-T Honda Sensing Sedan1,522
EX-TL Sedan1,522
SI Coupe1,528
Touring Coupe1,536
EX-TL Honda Sensing Sedan1,568
EX-L Hatchback1,590
Touring Sedan1,612
Sport Touring Hatchback1,644
2018 Honda Civic Average Rate$1,488

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 $82 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 $1,370 to $2,994 per year for a 2017 Honda Accord, and $1,294 to $2,800 for a 2017 Honda Civic for the age groups used in this illustration.

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Chart Data Details: Average insurance rates are for a 2017 Honda Accord and a 2017 Honda Civic with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Honda Accord and Honda Civic trim levels.Data last updated on August 12, 2023
2017 Honda Accord vs. 2017 Honda Civic Insurance Cost
2017 Honda Accord vs. Honda Civic Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Honda Accord$2,994$1,568$1,500$1,370
Honda Civic$2,800$1,476$1,418$1,294

Out of 20 trims for the 2017 Honda Accord, the cheapest average insurance prices are on the LX Sedan model at a cost of $1,420 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 $1,156 per year, or $96 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 $1,156 per year. The most expensive model and trim level is the Honda Accord Touring Coupe at an average of $1,602 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

$1,500

Insurance Rates by Trim Level for 2017 Honda Accord
2017 Honda Accord TrimsRate
LX Sedan$1,420
LX Sensing Sedan1,420
EX Sedan1,462
Sport Sedan1,462
Sport Special Edition Sedan1,462
Hybrid Sedan1,472
LX-S Coupe1,476
LX-S Sensing Coupe1,476
EX Sensing Sedan1,506
Sport Sensing Sedan1,506
Touring Sedan1,506
Hybrid EX-L Sedan1,514
EX Coupe1,518
EX Sensing Coupe1,518
EX-L Coupe1,518
EX-L Sedan1,536
Hybrid Touring Sedan1,556
EX-L Navi/Sensing Coupe1,560
EX-L Navi/Sensing Sedan1,576
Touring Coupe1,602
2017 Honda Accord Average Rate$1,500

2017 Honda Civic

$1,418

Insurance Rates by Trim Level for 2017 Honda Accord
2017 Honda Civic TrimsRate
SI Sedan$1,156
LX Coupe1,328
LX-P Coupe1,328
EX Coupe1,368
Type-R Touring Hatchback1,370
LX Hatchback1,390
LX Sedan1,390
EX-L Coupe1,410
EX Sedan1,430
Sport Hatchback1,430
SI Coupe1,432
EX-L Sedan1,468
EX Hatchback1,474
Touring Coupe1,484
EX-L Hatchback1,516
Touring Sedan1,558
Sport Touring Hatchback1,588
2017 Honda Civic Average Rate$1,418

2016 Honda Accord vs Civic

When comparing insurance cost for 2016 models, a Honda Accord costs an average of $1,482 per year to insure and a Honda Civic costs $1,348, making the Honda Civic cheaper to insure by $134 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 $1,354 to $2,946 per year for a 2016 Honda Accord, and $1,228 to $2,656 for a 2016 Honda Civic.

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Chart Data Details: Average insurance rates are for a 2016 Honda Accord and a 2016 Honda Civic with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Honda Accord and Honda Civic trim levels.Data last updated on August 12, 2023
2016 Honda Accord vs. 2016 Honda Civic Insurance Cost
2016 Honda Accord vs. Honda Civic Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Honda Accord$2,946$1,538$1,482$1,354
Honda Civic$2,656$1,396$1,348$1,228

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 $1,380 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 $1,268.

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 $1,268 per year, and the most expensive trim is the Honda Accord Touring Coupe at an average cost of $1,616 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

$1,482

Insurance Rates by Trim Level for 2016 Honda Accord
2016 Honda Accord TrimsRate
LX Sedan$1,380
LX Sensing Sedan1,380
EX Sedan1,420
Sport Sedan1,420
Sport Sensing Sedan1,420
LX-S Coupe1,454
EX Sensing Sedan1,460
EX-L Sedan1,460
EX Coupe1,494
LX-S Sensing Coupe1,494
EX-L Navi/Sensing Sedan1,502
EX-L Sensing Sedan1,502
EX Sensing Coupe1,536
EX-L Coupe1,536
Touring Sedan1,542
EX-L Navi/Sensing Coupe1,576
Touring Coupe1,616
2016 Honda Accord Average Rate$1,482

2016 Honda Civic

$1,348

Insurance Rates by Trim Level for 2016 Honda Accord
2016 Honda Civic TrimsRate
LX Sedan$1,268
LX Coupe1,280
EX Sedan1,316
EX-T Sedan1,336
EX-TL Sedan1,356
EX-L Coupe1,362
EX-T Coupe1,362
LX-P Coupe1,362
Touring Sedan1,418
Touring Coupe1,430
2016 Honda Civic Average Rate$1,348

2015 Honda Accord vs Civic

When comparing insurance rates for 2015 models, the Honda Accord costs an average of $1,316 per year to insure and the Honda Civic costs $1,242, making the Honda Civic the winner by $74 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 $1,204 to $2,604 per year for a 2015 Honda Accord, and $1,136 to $2,446 for a 2015 Honda Civic for these driver ages.

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Chart Data Details: Average insurance rates are for a 2015 Honda Accord and a 2015 Honda Civic with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Honda Accord and Honda Civic trim levels.Data last updated on August 12, 2023
2015 Honda Accord vs. 2015 Honda Civic Insurance Cost
2015 Honda Accord vs. Honda Civic Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Honda Accord$2,604$1,362$1,316$1,204
Honda Civic$2,446$1,280$1,242$1,136

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 $1,196 per year, or around $100 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 $1,120.

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 $1,120 per year. The most expensive model and trim level is the Honda Accord Hybrid Touring Sedan at an average cost of $1,430 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

$1,316

Insurance Rates by Trim Level for 2015 Honda Accord
2015 Honda Accord TrimsRate
LX Sedan$1,196
Sport Sedan1,196
EX Sedan1,232
Crosstour EX 2WD1,242
LX-S Coupe1,268
EX Coupe1,304
EX-L Sedan1,304
Crosstour EX-L 2WD1,316
Crosstour EX-L 4WD1,316
Hybrid Sedan1,356
EX-L Coupe1,368
Crosstour EX-L Navigation 2WD1,380
Crosstour EX-L Navigation 4WD1,380
Touring Sedan1,380
Hybrid EX-L Sedan1,392
Hybrid Touring Sedan1,430
2015 Honda Accord Average Rate$1,316

2015 Honda Civic

$1,242

Insurance Rates by Trim Level for 2015 Honda Accord
2015 Honda Civic TrimsRate
LX Sedan$1,120
SE Sedan1,120
EX Sedan1,158
HF Sedan1,158
EX-L Sedan1,192
SI Sedan1,192
CNG Sedan1,242
LX Coupe1,298
Hybrid L Sedan1,310
Hybrid Sedan1,318
EX Coupe1,326
EX-L Coupe1,364
SI Coupe1,364
2015 Honda Civic Average Rate$1,242

Additional Honda Accord and Honda Civic Resources