Honda Civic vs Nissan Sentra – Which Has Cheaper Car Insurance?

Is the Honda Civic or Nissan Sentra cheaper to insure? We compared average rates on every trim level back to 2015 to give you the answer.

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  • For 2022 models, a Nissan Sentra has more affordable car insurance rates than a Honda Civic by an average of $22 per year.
  • For a 2022 Honda Civic, average insurance rates range from $1,400 to $1,650 per year, while a 2022 Nissan Sentra ranges from $1,430 to $1,556.
  • Out of 20 models in the 2022 small car segment, the Honda Civic ranks #8 and the Nissan Sentra ranks #5 for insurance affordability.
  • If the cheapest auto insurance rates are your top priority, the LX and LX Hatchback trims are the cheapest Honda Civic models to insure, while the S and SV trims are the cheapest Nissan Sentra models to insure.

Does a Honda Civic or Nissan Sentra cost less to insure?

Insurance rates on a 2022 Honda Civic cost an average of $1,510 per year, while insurance for a 2022 Nissan Sentra costs an average of $1,488 per year, making the Nissan Sentra the cheaper of the two models to insure.

The exact cost of insurance can vary greatly for different trim levels, however.

For a 2022 Honda Civic, car insurance rates range from $1,400 per year for the LX model up to the most expensive rate of $1,650 for the Type R model. For a 2022 Nissan Sentra, rates can range from $1,430 per year for the S model up to $1,556 for the SR Premium model.

When comparing rates by trim level for both models, the lowest-cost model and trim is the Honda Civic LX at an average of $1,400 per year, and the most expensive vehicle to insure is the Honda Civic Type R at a cost of $1,650 per year.

For a 2022 Honda Civic, the cheapest models are the LX, LX Hatchback, and Sport. The cheapest Nissan Sentra models include the S, SV, and SR.

Insurance rates for all 2022 Honda Civic and Nissan Sentra trim levels range from $117 to $138 per month.

The rate table below compares and ranks the yearly and monthly cost of car insurance for 2022 Honda Civic and Nissan Sentra models, showing average cost by trim level for each model.

2022 Honda Civic vs Nissan Sentra Insurance Cost by Trim Level
Model and Trim Level Annual Cost Monthly Cost
$1,400$117
$1,428$119
$1,430$119
$1,436$120
$1,458$122
$1,470$123
$1,476$123
$1,486$124
$1,488$124
$1,504$125
$1,508$126
$1,508$126
$1,556$130
$1,612$134
$1,626$136
$1,650$138

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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 Civic and a 2022 Nissan Sentra. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on November 15, 2022
2022 Honda Civic vs Nissan Sentra Insurance Cost by Trim Level

The bar chart below compares the Honda Civic insurance cost to Nissan Sentra insurance cost for 2022 models and different driver ages.

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Chart Data Details: Average insurance rates are for a 2022 Honda Civic and a 2022 Nissan Sentra 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 Civic and Nissan Sentra trim levels.Data last updated on November 15, 2022
2022 Honda Civic vs. 2022 Nissan Sentra Insurance Cost
2022 Honda Civic vs. 2022 Nissan Sentra Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Honda Civic$2,982$1,584$1,510$1,376
Nissan Sentra$2,916$1,552$1,488$1,354

The tables below detail insurance rates for all trim levels of 2022 Civic and Sentra models. The 2022 Honda Civic has an average insurance cost of $1,510 and the 2022 Nissan Sentra is $1,488, making the Nissan Sentra cheaper by $22 per year.

2022 Honda Civic

$1,510

Insurance Rates by Trim Level for 2022 Honda Civic
2022 Honda Civic TrimsRate
LX$1,400
LX Hatchback1,428
Sport1,436
Sport Hatchback1,458
EX1,470
EX-L Hatchback1,504
Si1,508
Si HPT1,508
Touring1,612
Sport Touring Hatchback1,626
Type R1,650
2022 Honda Civic Average Rate$1,510

2022 Nissan Sentra

$1,488

Insurance Rates by Trim Level for 2022 Honda Civic
2022 Nissan Sentra TrimsRate
S$1,430
SV1,476
SR1,486
SR Midnight Edition1,488
SR Premium1,556
2022 Nissan Sentra Average Rate$1,488

2021 Honda Civic vs. Nissan Sentra

For the 2021 Honda Civic and Nissan Sentra models, the Nissan Sentra has cheaper car insurance rates by an average of $32 per year.

The chart below illustrates the average cost to insure both models using drivers aged 20 to 50. For a 2021 Honda Civic, insurance cost ranges from $1,242 to $2,692 per year for the included age groups. A 2021 Nissan Sentra costs from $1,212 to $2,606 to insure per year.

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Chart Data Details: Average insurance rates are for a 2021 Honda Civic and a 2021 Nissan Sentra 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 Civic and Nissan Sentra trim levels.Data last updated on November 15, 2022
2021 Honda Civic vs. 2021 Nissan Sentra Insurance Cost
2021 Honda Civic vs. 2021 Nissan Sentra Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Honda Civic$2,692$1,430$1,364$1,242
Nissan Sentra$2,606$1,394$1,332$1,212

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 $1,228 per year, or about $102 per month.

For the five trims available for the Nissan Sentra, the cheapest 2021 trim to insure is the S Sedan model at a cost of $1,276 per year, or $106 per month.

When comparing both models at a trim-level basis, the lowest-cost model and trim level to insure is the Honda Civic LX Sedan at an average rate of $1,228 per year. The most expensive trim is the Honda Civic Sport Touring Hatchback at an average of $1,676 per year.

The next two rate tables display trim level insurance cost averages for both 2021 models, including the average rate for each model. The 2021 Nissan Sentra has cheaper average car insurance rates than the 2021 Honda Civic.

2021 Honda Civic

$1,364

Insurance Rates by Trim Level for 2021 Honda Civic
2021 Honda Civic TrimsRate
LX Sedan$1,228
LX Hatchback1,252
Sport Sedan1,274
EX Sedan1,296
Sport Hatchback1,296
LX Coupe1,338
EX Hatchback1,342
EX-L Navi Hatchback1,342
EX-L Sedan1,342
EX Coupe1,384
Touring Sedan1,462
Touring Hatchback1,492
Sport Touring Hatchback1,676
2021 Honda Civic Average Rate$1,364

2021 Nissan Sentra

$1,332

Insurance Rates by Trim Level for 2021 Honda Civic
2021 Nissan Sentra TrimsRate
S Sedan$1,276
SR Sedan1,320
SV Sedan1,320
SR Premium Sedan1,366
SV Premium Sedan1,366
2021 Nissan Sentra Average Rate$1,332

2020 Honda Civic vs. Nissan Sentra

When comparing car insurance rates for the 2020 Honda Civic and Nissan Sentra models, the Nissan Sentra has cheaper rates by an average of $36 per year.

The chart below displays the average cost to insure both 2020 models for drivers aged 20 to 50. For a 2020 Honda Civic, average car insurance cost ranges from $1,226 to $2,664 per year. A 2020 Nissan Sentra costs from $1,190 to $2,564 to insure per year.

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Chart Data Details: Average insurance rates are for a 2020 Honda Civic and a 2020 Nissan Sentra 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 Civic and Nissan Sentra trim levels.Data last updated on November 15, 2022
2020 Honda Civic vs. 2020 Nissan Sentra Insurance Cost
2020 Honda Civic vs. 2020 Nissan Sentra Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Honda Civic$2,664$1,410$1,344$1,226
Nissan Sentra$2,564$1,368$1,308$1,190

Out of 17 trims for the 2020 Honda Civic, the cheapest average insurance prices are on the LX Sedan trim at a cost of $1,208 per year. For the five trim levels available for the Nissan Sentra, the cheapest 2020 trim to insure is the S Sedan model at a cost of $1,254.

When average car insurance prices for all 22 trim levels for both 2020 models are compared, the cheapest trim to insure is the Honda Civic LX Sedan at an average rate of $1,208 per year, and the highest-cost model and trim level is the Honda Civic Sport Touring Hatchback at an average cost of $1,650 per year.

The next two tables illustrate the expected annual car insurance cost by trim level for both 2020 models, including an overall average cost for each model. The cheapest model to insure for the 2020 model year is the Nissan Sentra.

2020 Honda Civic

$1,344

Insurance Rates by Trim Level for 2020 Honda Civic
2020 Honda Civic TrimsRate
LX Sedan$1,208
LX Hatchback1,228
Sport Sedan1,250
EX Sedan1,274
Sport Hatchback1,274
SI Sedan1,290
EX Hatchback1,316
EX-L Navi Hatchback1,316
EX-L Sedan1,316
LX Coupe1,316
Sport Coupe1,338
EX Coupe1,360
Touring Coupe1,408
SI Coupe1,434
Touring Sedan1,434
Touring Hatchback1,466
Sport Touring Hatchback1,650
2020 Honda Civic Average Rate$1,344

2020 Nissan Sentra

$1,308

Insurance Rates by Trim Level for 2020 Honda Civic
2020 Nissan Sentra TrimsRate
S Sedan$1,254
SR Sedan1,298
SV Sedan1,298
SR Premium Sedan1,342
SV Premium Sedan1,342
2020 Nissan Sentra Average Rate$1,308

2019 Honda Civic vs. Nissan Sentra

For the 2019 Honda Civic and Nissan Sentra models, the Honda Civic has cheaper car insurance rates by an average of $24 per year.

The rate chart below demonstrates the average cost to insure the two models using a range of rated driver ages. For a 2019 Honda Civic, the average car insurance cost ranges from $1,208 to $2,628 per year for the included age groups. A 2019 Nissan Sentra costs from $1,228 to $2,644 to insure per year.

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Chart Data Details: Average insurance rates are for a 2019 Honda Civic and a 2019 Nissan Sentra 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 Civic and Nissan Sentra trim levels.Data last updated on November 15, 2022
2019 Honda Civic vs. 2019 Nissan Sentra Insurance Cost
2019 Honda Civic vs. 2019 Nissan Sentra Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Honda Civic$2,628$1,386$1,326$1,208
Nissan Sentra$2,644$1,400$1,350$1,228

The 2019 Honda Civic has 18 trims available, with the cheapest trim to insure being the SI Sedan model at an average cost of $1,154 per year, or around $96 per month.

The 2019 Nissan Sentra has five trim levels available, with the cheapest trim level to insure being the S Sedan model at an average cost of $1,258 per year.

When all 23 trims of both models are combined and compared, the lowest-cost model and trim level to insure is the Honda Civic SI Sedan at an average rate of $1,154 per year. The overall most expensive vehicle to insure is the Honda Civic Sport Touring Hatchback at an average cost of $1,508 per year.

The tables below show trim level insurance cost averages for both 2019 models, along with an average cost for each model. The model with cheapest car insurance rates for 2019 is the Honda Civic.

2019 Honda Civic

$1,326

Insurance Rates by Trim Level for 2019 Honda Civic
2019 Honda Civic TrimsRate
SI Sedan$1,154
LX Hatchback1,244
LX Sedan1,244
LX Coupe1,256
Sport Coupe1,256
Sport Sedan1,266
EX Hatchback1,286
EX Sedan1,286
Sport Hatchback1,286
EX Coupe1,298
EX-L Sedan1,328
EX-L Navigation Hatchback1,374
Touring Coupe1,374
Touring Sedan1,374
SI Coupe1,404
Touring Hatchback1,404
Type-R Hatchback1,488
Sport Touring Hatchback1,508
2019 Honda Civic Average Rate$1,326

2019 Nissan Sentra

$1,350

Insurance Rates by Trim Level for 2019 Honda Civic
2019 Nissan Sentra TrimsRate
S Sedan$1,258
SV Sedan1,302
SL Sedan1,386
SR Sedan1,386
Nismo Sedan1,416
2019 Nissan Sentra Average Rate$1,350

2018 Honda Civic vs. Nissan Sentra

When comparing insurance rates for 2018 models, the Honda Civic costs an average of $1,332 per year to insure and the Nissan Sentra costs $1,320, making the Nissan Sentra the winner by $12 for the 2018 comparison year.

The chart below illustrates the average cost to insure both models for the 20 to 50-year-old driver age groups. Insurance cost ranges from $1,216 to $2,630 per year for a 2018 Honda Civic, and $1,202 to $2,580 for a 2018 Nissan Sentra for the driver ages used.

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Chart Data Details: Average insurance rates are for a 2018 Honda Civic and a 2018 Nissan Sentra 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 Civic and Nissan Sentra trim levels.Data last updated on November 15, 2022
2018 Honda Civic vs. 2018 Nissan Sentra Insurance Cost
2018 Honda Civic vs. 2018 Nissan Sentra Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Honda Civic$2,630$1,388$1,332$1,216
Nissan Sentra$2,580$1,366$1,320$1,202

Out of 22 trim levels for the 2018 Honda Civic, the cheapest insurance prices are on the SI Sedan trim at a cost of $1,126 per year, or $94 per month. For the five trims available for the Nissan Sentra, the cheapest 2018 trim level to insure is the S Sedan trim at a cost of $1,234 per year, or about $103 per month.

When comparing both models at a trim-level basis, the most affordable model and trim level to insure is the Honda Civic SI Sedan at an average of $1,126 per year. The highest-cost model and trim is the Honda Civic Sport Touring Hatchback at an average of $1,474 per year.

The tables shown below illustrate average cost to insure each trim level for a 2018 Honda Civic and Nissan Sentra, including an overall average cost for each model. The model with cheapest auto insurance rates for 2018 is the Nissan Sentra.

2018 Honda Civic

$1,332

Insurance Rates by Trim Level for 2018 Honda Civic
2018 Honda Civic TrimsRate
SI Sedan$1,126
LX Coupe1,224
EX-T Coupe1,266
LX-P Coupe1,266
LX Sedan1,280
Type-R Hatchback1,290
EX-L Coupe1,306
LX Hatchback1,308
EX Sedan1,322
EX-T Sedan1,322
LX Honda Sensing Sedan1,322
Sport Hatchback1,342
EX Hatchback1,362
EX Honda Sensing Sedan1,362
EX-T Honda Sensing Sedan1,362
EX-TL Sedan1,362
SI Coupe1,370
Touring Coupe1,376
EX-TL Honda Sensing Sedan1,404
EX-L Hatchback1,424
Touring Sedan1,444
Sport Touring Hatchback1,474
2018 Honda Civic Average Rate$1,332

2018 Nissan Sentra

$1,320

Insurance Rates by Trim Level for 2018 Honda Civic
2018 Nissan Sentra TrimsRate
S Sedan$1,234
SV Sedan1,276
SR Sedan1,336
SL Sedan1,358
Nismo Sedan1,386
2018 Nissan Sentra Average Rate$1,320

2017 Honda Civic vs. Nissan Sentra

For 2017 Honda Civic and Nissan Sentra models, the Nissan Sentra has lower-cost car insurance by an average of $48 per year for 2017.

The chart below illustrates the average cost to insure the two models with different drivers at the wheel. For a 2017 Honda Civic, average insurance cost ranges from $1,172 to $2,538 per year. A 2017 Nissan Sentra costs from $1,126 to $2,420 to insure per year.

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Chart Data Details: Average insurance rates are for a 2017 Honda Civic and a 2017 Nissan Sentra 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 Civic and Nissan Sentra trim levels.Data last updated on November 15, 2022
2017 Honda Civic vs. 2017 Nissan Sentra Insurance Cost
2017 Honda Civic vs. 2017 Nissan Sentra Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Honda Civic$2,538$1,334$1,284$1,172
Nissan Sentra$2,420$1,276$1,236$1,126

For the 17 trim levels available for the 2017 Honda Civic, the cheapest trim level to insure is the SI Sedan model at an average cost of $1,056 per year. Out of the three trim levels available for the Nissan Sentra, the cheapest 2017 trim level to insure is the S Sedan model at a cost of $1,208.

When comparing car insurance rates for both models by trim level, the lowest-cost model and trim level to insure is the Honda Civic SI Sedan at an average of $1,056 per year. The most expensive trim is the Honda Civic Sport Touring Hatchback costing an average of $1,438 per year.

The next two tables show all the available trims for both 2017 models, as well as the overall average rate for each model. The 2017 Nissan Sentra is the winner over the 2017 Honda Civic for the cheapest average car insurance rates.

2017 Honda Civic

$1,284

Insurance Rates by Trim Level for 2017 Honda Civic
2017 Honda Civic TrimsRate
SI Sedan$1,056
LX Coupe1,196
LX-P Coupe1,196
EX Coupe1,236
LX Hatchback1,252
LX Sedan1,252
Type-R Touring Hatchback1,254
EX-L Coupe1,274
EX Sedan1,292
Sport Hatchback1,292
SI Coupe1,296
EX-L Sedan1,326
EX Hatchback1,332
Touring Coupe1,342
EX-L Hatchback1,372
Touring Sedan1,410
Sport Touring Hatchback1,438
2017 Honda Civic Average Rate$1,284

2017 Nissan Sentra

$1,236

Insurance Rates by Trim Level for 2017 Honda Civic
2017 Nissan Sentra TrimsRate
S Sedan$1,208
SR Sedan1,248
SV Sedan1,248
2017 Nissan Sentra Average Rate$1,236

2016 Honda Civic vs. Nissan Sentra

When comparing insurance cost for the 2016 Honda Civic and Nissan Sentra models, the Honda Civic is cheaper by an average of $6 per year for this comparison year.

The chart below shows the average cost to insure the two models with different ages of drivers. For a 2016 Honda Civic, insurance cost ranges from $1,106 to $2,392 per year for the included age groups. A 2016 Nissan Sentra costs from $1,110 to $2,390 to insure per year.

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Chart Data Details: Average insurance rates are for a 2016 Honda Civic and a 2016 Nissan Sentra 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 Civic and Nissan Sentra trim levels.Data last updated on November 15, 2022
2016 Honda Civic vs. 2016 Nissan Sentra Insurance Cost
2016 Honda Civic vs. 2016 Nissan Sentra Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Honda Civic$2,392$1,264$1,212$1,106
Nissan Sentra$2,390$1,254$1,218$1,110

The 2016 Honda Civic has 10 trim levels available, with the cheapest model to insure being the LX Sedan trim at an average cost of $1,138 per year, or around $95 per month.

Out of the five trims available for the Nissan Sentra, the cheapest 2016 trim to insure is the S Sedan trim at a cost of $1,164.

When comparing both models at a trim-level basis, the lowest-cost model and trim level to insure is the Honda Civic LX Sedan at an average rate of $1,138 per year, and the highest-cost model and trim level is the Honda Civic Touring Coupe costing $1,284 per year.

The next two tables illustrate the cost to insure the available trim levels for both 2016 models, along with the average rate for each model. The winner for the 2016 car insurance comparison is the Honda Civic.

2016 Honda Civic

$1,212

Insurance Rates by Trim Level for 2016 Honda Civic
2016 Honda Civic TrimsRate
LX Sedan$1,138
LX Coupe1,148
EX Sedan1,182
EX-T Sedan1,200
EX-TL Sedan1,218
EX-L Coupe1,222
EX-T Coupe1,222
LX-P Coupe1,222
Touring Sedan1,274
Touring Coupe1,284
2016 Honda Civic Average Rate$1,212

2016 Nissan Sentra

$1,218

Insurance Rates by Trim Level for 2016 Honda Civic
2016 Nissan Sentra TrimsRate
S Sedan$1,164
S Plus Sedan1,202
SV Sedan1,202
SR Sedan1,238
SL Sedan1,276
2016 Nissan Sentra Average Rate$1,218

2015 Honda Civic vs. Nissan Sentra

When comparing insurance rates for 2015 models, the Honda Civic costs an average of $1,134 per year to insure and the Nissan Sentra costs $1,088, making the Nissan Sentra the winner by $46 for the 2015 comparison year.

The chart shown below shows the average cost to insure both 2015 models for four different driver age groups. Average insurance cost ranges from $1,036 to $2,234 per year for a 2015 Honda Civic, and $992 to $2,130 for a 2015 Nissan Sentra for the included age groups.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average insurance rates are for a 2015 Honda Civic and a 2015 Nissan Sentra 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 Civic and Nissan Sentra trim levels.Data last updated on November 15, 2022
2015 Honda Civic vs. 2015 Nissan Sentra Insurance Cost
2015 Honda Civic vs. 2015 Nissan Sentra Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Honda Civic$2,234$1,170$1,134$1,036
Nissan Sentra$2,130$1,128$1,088$992

The 2015 Honda Civic has 13 trim levels available, with the cheapest trim to insure being the LX Sedan trim at an average cost of $1,014 per year. For the five trims available for the Nissan Sentra, the cheapest 2015 trim level to insure is the S Plus Sedan model at a cost of $1,060 per year, or about $88 per month.

When average car insurance prices for all 18 trim levels for both 2015 models are compared, the overall cheapest vehicle to insure to insure is the Honda Civic LX Sedan at a cost of $1,014 per year. The most expensive trim is the Honda Civic SI Coupe costing $1,248 per year.

The next two tables illustrate average cost to insure each trim level for a 2015 Honda Civic and Nissan Sentra, including the average rate for each model. The winner for the 2015 car insurance rate comparison is the Nissan Sentra.

2015 Honda Civic

$1,134

Insurance Rates by Trim Level for 2015 Honda Civic
2015 Honda Civic TrimsRate
LX Sedan$1,014
SE Sedan1,014
EX Sedan1,050
HF Sedan1,050
EX-L Sedan1,086
SI Sedan1,086
CNG Sedan1,132
LX Coupe1,180
Hybrid L Sedan1,208
Hybrid Sedan1,208
EX Coupe1,214
EX-L Coupe1,248
SI Coupe1,248
2015 Honda Civic Average Rate$1,134

2015 Nissan Sentra

$1,088

Insurance Rates by Trim Level for 2015 Honda Civic
2015 Nissan Sentra TrimsRate
S Plus Sedan$1,060
S Sedan1,060
SR Sedan1,096
SV Sedan1,096
SL Sedan1,132
2015 Nissan Sentra Average Rate$1,088

Additional Honda Civic and Nissan Sentra Resources