Honda Accord vs. Civic Insurance Cost

• 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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

Additional Honda Accord and Honda Civic Resources

• Honda Accord Insurance Rates
• Honda Civic Insurance Rates
• Midsize Car Insurance Rate Comparisons
• Small Car Insurance Rate Comparisons