Honda Civic vs. Toyota Prius Insurance – Which Costs Less?

We break down the cost to insure a Honda Civic and a Toyota Prius back to 2015 to see which one costs the least to insure.

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  • For the 2024 model year, a Honda Civic has cheaper car insurance rates than a Toyota Prius by $114 per year.
  • For a 2024 Honda Civic, auto insurance rates cost from $1,854 to $2,458 per year, while insurance on a 2024 Toyota Prius ranges from $2,028 to $2,328, depending on trim level and options.
  • With 15 models in the 2024 small car segment, the Honda Civic ranks third and the Toyota Prius ranks sixth for insurance affordability.
  • When compared to the average U.S. car insurance rate of $2,221 per year, the Honda Civic costs $147 less per year, while the Toyota Prius averages $33 less per year.

Is a Honda Civic or Toyota Prius cheaper to insure?

Insurance rates on a 2024 Honda Civic cost an average of $2,074 per year, whereas insurance for a Toyota Prius costs an average of $2,188 per year, making the Honda Civic the cheaper of the two to insure.

Out of 10 trims for the 2024 Honda Civic, the cheapest rates are on the LX model at a cost of $1,854 per year, or $155 per month. For the nine trim levels available for the Toyota Prius, the cheapest 2024 trim to insure is the LE model at a cost of $2,028 per year, or around $169 per month.

When rates are compared for the 19 trim levels of both 2024 models, the overall cheapest vehicle to insure is the Honda Civic LX at a cost 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 next table compares and ranks the annual and monthly car insurance cost for 2024 Honda Civic and Toyota Prius models, showing cost for each trim level of both models.

2024 Model Year Honda Civic vs. Toyota Prius Insurance Rates
Model and Trim Level Annual Premium Cost Per Month
$1,854$155
$1,890$158
$1,910$159
$1,932$161
$2,028$169
$2,064$172
$2,076$173
$2,102$175
$2,140$178
$2,148$179
$2,162$180
$2,176$181
$2,186$182
$2,220$185
$2,234$186
$2,262$189
$2,262$189
$2,328$194
$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 Civic and a 2024 Toyota Prius
Annual and monthly insurance cost by trim level for a 2024 Honda Civic and a 2024 Toyota Prius

The chart shown below shows the average cost to insure both models rated for a variety of different driver ages. For a 2024 Honda Civic, insurance cost ranges from $1,838 to $4,110 per year for the illustrated age groups. A 2024 Toyota Prius costs from $1,938 to $4,368 to insure per year.

Average car insurance premiums for 2024 Honda Civic and Toyota Prius models for different driver ages.
Figure 1: Average car insurance premiums for 2024 Honda Civic and Toyota Prius models for different driver ages. Rates updated on June 27, 2025.

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Data Methodology: Rates based on a 2024 model year Honda Civic and Toyota Prius. 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 Civic vs. Toyota Prius Insurance Cost
Driver Age Honda Civic Toyota Prius
18-Year-Old$6,291$6,696
20-Year-Old$4,110$4,368
25-Year-Old$2,402$2,538
30-Year-Old$2,214$2,336
40-Year-Old$2,074$2,188
50-Year-Old$1,838$1,938
60-Year-Old$1,718$1,814

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 27, 2025

The next tables display average car insurance rates for each trim level, including an overall average rate. The 2024 Honda Civic comes out on top over the 2024 Toyota Prius for cheapest overall car insurance cost.

2024 Honda Civic

$2,074

Insurance Rates by Trim Level for a 2024 Honda Civic
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

2024 Toyota Prius

$2,188

Insurance Rates by Trim Level for 2024 Honda Civic
2024 Toyota Prius TrimsRate
LE$2,028
LE AWD2,076
XLE2,140
XLE AWD2,176
Prime SE2,186
Limited2,234
Limited AWD2,262
Prime XSE2,262
Prime XSE Premium2,328
2024 Toyota Prius Average Rate$2,188

2023 Honda Civic vs. Toyota Prius

For 2023, the model having more affordable car insurance is the Toyota Prius. Insurance rates for the Honda Civic average $2,214 per year, whereas the Toyota Prius averages $2,148 per year.

Out of eight Honda Civic trim levels, the cheapest 2023 trim to insure is the Sport model at an average cost of $2,066 per year. For the nine trim levels available for the Toyota Prius, the cheapest 2023 trim to insure is the LE model at a cost of $1,998.

When looking at the aggregated rates by trim for both models, the cheapest trim to insure is the Toyota Prius LE at a cost of $1,998 per year. The most expensive vehicle to insure is the Honda Civic Type R at an average of $2,444 per year.

For prior model years, the average auto insurance rates compare as follows. Click on a model year to view insurance rates for every trim level.

The rate table below compares the 12-month and monthly car insurance cost for 2023 Honda Civic and Toyota Prius models, showing average cost by trim level for each model.

2023 Model Year Honda Civic vs. Toyota Prius Insurance Rates
Model and Trim Level Annual Premium Cost Per Month
$1,998$167
$2,046$171
$2,066$172
$2,092$174
$2,108$176
$2,114$176
$2,142$179
$2,148$179
$2,166$181
$2,178$182
$2,196$183
$2,202$184
$2,228$186
$2,272$189
$2,322$194
$2,344$195
$2,444$204

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

The next chart displays the average cost to insure both 2023 models with different drivers at the wheel. Average car insurance cost ranges from $1,970 to $4,428 per year for a 2023 Honda Civic, and $1,904 to $4,312 for a 2023 Toyota Prius for the included driver ages.

Average car insurance premiums for 2023 Honda Civic and Toyota Prius models for different driver ages.
Figure 2: Average car insurance premiums for 2023 Honda Civic and Toyota Prius models for different driver ages. Rates updated on June 26, 2025.

Data Methodology: Rates based on a 2023 model year Honda Civic and Toyota Prius. 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 Civic vs. Toyota Prius Insurance Cost
Driver Age Honda Civic Toyota Prius
18-Year-Old$6,781$6,627
20-Year-Old$4,428$4,312
25-Year-Old$2,568$2,492
30-Year-Old$2,356$2,292
40-Year-Old$2,214$2,148
50-Year-Old$1,970$1,904
60-Year-Old$1,840$1,782

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 26, 2025

The next tables illustrate the expected annual car insurance cost by trim level for both 2023 models, as well as an average rate for each model. The 2023 Toyota Prius wins the head-to-head comparison over the 2023 Honda Civic for cheapest auto insurance rates.

2023 Honda Civic

$2,214

Insurance Rates by Trim Level for a 2023 Honda Civic
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

2023 Toyota Prius

$2,148

Insurance Rates by Trim Level for 2023 Honda Civic
2023 Toyota Prius TrimsRate
LE$1,998
LE AWD2,046
XLE2,108
Prime SE2,142
XLE AWD2,148
Limited2,196
Prime XSE2,202
Limited AWD2,228
Prime XSE Premium2,272
2023 Toyota Prius Average Rate$2,148

2022 Honda Civic vs. Toyota Prius

Car insurance on a 2022 Honda Civic costs an average of $2,106 per year, while a 2022 Toyota Prius averages $2,136 per year, making the Honda Civic the cheaper model to insure by $30 per year.

On a 2022 Honda Civic, rates range from the cheapest rate of $1,960 per year for the LX model up to the most expensive rate of $2,300 for the Type R model. For a 2022 Toyota Prius, rates range from $1,998 per year on the L Eco model up to $2,268 on the Prime Limited model.

The rate table below compares and ranks the 12-month and monthly car insurance cost for 2022 Honda Civic and Toyota Prius models, showing average cost for each trim level.

2022 Model Year Honda Civic vs. Toyota Prius Insurance Rates
Model and Trim Level Annual Premium Cost Per Month
$1,960$163
$1,996$166
$1,998$167
$2,008$167
$2,040$170
$2,042$170
$2,044$170
$2,058$172
$2,088$174
$2,104$175
$2,110$176
$2,112$176
$2,126$177
$2,138$178
$2,158$180
$2,164$180
$2,176$181
$2,192$183
$2,238$187
$2,244$187
$2,268$189
$2,268$189
$2,300$192

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

The chart below displays the average cost to insure the two models with different driver age groups. The average cost of car insurance ranges from $1,874 to $4,222 per year on a 2022 Honda Civic, and $1,890 to $4,314 for a 2022 Toyota Prius for the included driver ages.

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

Data Methodology: Rates based on a 2022 model year Honda Civic and Toyota Prius. 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 Civic vs. Toyota Prius Insurance Cost
Driver Age Honda Civic Toyota Prius
18-Year-Old$6,466$6,644
20-Year-Old$4,222$4,314
25-Year-Old$2,444$2,482
30-Year-Old$2,244$2,280
40-Year-Old$2,106$2,136
50-Year-Old$1,874$1,890
60-Year-Old$1,754$1,772

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

Out of 11 Honda Civic trim levels, the lowest-cost 2022 trim level to insure is the LX model at an average cost of $1,960 per year, or about $163 per month. For the 12 trim and option levels available for the Toyota Prius, the cheapest 2022 trim level to insure is the L Eco model at a cost of $1,998 per year, or about $167 per month.

When rates for all 23 trim levels for both vehicles are compared, the cheapest trim to insure is the Honda Civic LX at an average cost of $1,960 per year, and the overall most expensive vehicle to insure is the Honda Civic Type R at an average of $2,300 per year.

The next two rate tables display the cost to insure the available trim levels for both 2022 models, as well as an average rate for each model.

2022 Honda Civic

$2,106

Insurance Rates by Trim Level for a 2022 Honda Civic
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

2022 Toyota Prius

$2,136

Insurance Rates by Trim Level for 2022 Honda Civic
2022 Toyota Prius TrimsRate
L Eco$1,998
L2,042
LE2,044
LE AWD-e2,088
Prime LE2,126
XLE2,138
Nightshade Edition2,158
XLE AWD-e2,164
Prime XLE2,176
Nightshade Edition AWD-e2,192
Limited2,244
Prime Limited2,268
2022 Toyota Prius Average Rate$2,136

2021 Honda Civic vs. Toyota Prius

For 2021 Honda Civic and Toyota Prius models, the Honda Civic is cheaper to insure by $168 per year.

The next chart displays the average cost to insure the two models for different driver ages. The average full-coverage insurance policy ranges from $1,710 to $3,838 per year for the 2021 Honda Civic, and $1,852 to $4,202 on the 2021 Toyota Prius for the illustrated age groups.

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

Data Methodology: Rates based on a 2021 model year Honda Civic and Toyota Prius. 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 Civic vs. Toyota Prius Insurance Cost
Driver Age Honda Civic Toyota Prius
18-Year-Old$5,882$6,464
20-Year-Old$3,838$4,202
25-Year-Old$2,222$2,428
30-Year-Old$2,038$2,228
40-Year-Old$1,918$2,086
50-Year-Old$1,710$1,852
60-Year-Old$1,600$1,734

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 Civic has 13 trim levels available, with the lowest-cost trim level to insure being the LX Sedan trim at an average cost of $1,730 per year. A 2021 Toyota Prius has nine different trim levels available, with the cheapest trim to insure being the L Hatchback trim at an average cost of $1,892 per year, or $158 per month.

When rates for all 22 trim levels for both vehicles are compared, the cheapest vehicle to buy insurance for is the Honda Civic LX Sedan at an average rate of $1,730 per year, and the overall most expensive vehicle to insure is the Toyota Prius Prime Limited Hatchback costing an average of $2,434 per year.

The tables below show the average cost to insure all 2021 trim levels, including an overall average rate. The 2021 Honda Civic has lower-cost car average car insurance rates than the 2021 Toyota Prius.

2021 Honda Civic

$1,918

Insurance Rates by Trim Level for a 2021 Honda Civic
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

2021 Toyota Prius

$2,086

Insurance Rates by Trim Level for 2021 Honda Civic
2021 Toyota Prius TrimsRate
L Hatchback$1,892
LE Hatchback1,892
LE AWD Hatchback1,954
XLE AWD Hatchback2,000
XLE Hatchback2,000
Limited AWD Hatchback2,066
Prime LE Hatchback2,260
Prime XLE Hatchback2,306
Prime Limited Hatchback2,434
2021 Toyota Prius Average Rate$2,086

2020 Honda Civic vs. Toyota Prius

For the 2020 Honda Civic and Toyota Prius models, the Honda Civic has cheaper car insurance rates by an average of $150 per year.

The chart below displays the average car insurance cost for the two models for the 20 to 50-year-old driver age groups. For a 2020 Honda Civic, insurance cost ranges from $1,670 to $3,752 per year for the five age groups shown in the chart. Full-coverage insurance for a 2020 Toyota Prius ranges from $1,796 to $4,078 on average per year.

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

Data Methodology: Rates based on a 2020 model year Honda Civic and Toyota Prius. 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 Civic vs. Toyota Prius Insurance Cost
Driver Age Honda Civic Toyota Prius
18-Year-Old$5,747$6,270
20-Year-Old$3,752$4,078
25-Year-Old$2,170$2,354
30-Year-Old$1,992$2,158
40-Year-Old$1,874$2,024
50-Year-Old$1,670$1,796
60-Year-Old$1,562$1,684

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 17 Honda Civic trims, the cheapest 2020 trim level to insure is the LX Sedan trim at an average cost of $1,680 per year.

For the nine trim options available for a Toyota Prius, the lowest-cost 2020 model to insure is the L Hatchback model at a cost of $1,834.

When trim-level rates for both models are compared, the most affordable model and trim level to insure is the Honda Civic LX Sedan at an average cost of $1,680 per year, and the overall most expensive vehicle to insure is the Toyota Prius Prime Limited Hatchback at a cost of $2,360 per year.

The two tables below show average car insurance rates for every trim level for both 2020 models, plus the average rate for each model. The 2020 Honda Civic has cheaper overall car insurance rates than the 2020 Toyota Prius.

2020 Honda Civic

$1,874

Insurance Rates by Trim Level for a 2020 Honda Civic
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

2020 Toyota Prius

$2,024

Insurance Rates by Trim Level for 2020 Honda Civic
2020 Toyota Prius TrimsRate
L Hatchback$1,834
LE Hatchback1,834
LE AWD Hatchback1,896
XLE AWD Hatchback1,938
XLE Hatchback1,938
Limited AWD Hatchback2,002
Prime LE Hatchback2,194
Prime XLE Hatchback2,236
Prime Limited Hatchback2,360
2020 Toyota Prius Average Rate$2,024

2019 Honda Civic vs. Toyota Prius

For the 2019 Honda Civic and Toyota Prius models, the Honda Civic has cheaper car insurance rates by an average of $138 per year for this comparison year.

The chart below shows the average cost to insure both 2019 models for the 20, 30, 40, and 50-year-old driver age groups. For a 2019 Honda Civic, the average cost of car insurance ranges from $1,616 to $3,644 per year for these driver ages. Car insurance on a 2019 Toyota Prius ranges from $1,734 to $3,956 on average per year.

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

Data Methodology: Rates based on a 2019 model year Honda Civic and Toyota Prius. 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 Civic vs. Toyota Prius Insurance Cost
Driver Age Honda Civic Toyota Prius
18-Year-Old$5,580$6,092
20-Year-Old$3,644$3,956
25-Year-Old$2,100$2,268
30-Year-Old$1,924$2,078
40-Year-Old$1,812$1,950
50-Year-Old$1,616$1,734
60-Year-Old$1,514$1,626

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

A 2019 Honda Civic has 18 trims available, with the cheapest trim to insure being the SI Sedan trim at an average cost of $1,584 per year. Out of the 11 option levels available for the Toyota Prius, the lowest-cost 2019 trim to insure is the C L Hatchback model at a cost of $1,786.

When rates for all 29 trim levels for both vehicles are compared, the cheapest vehicle to buy insurance for is the Honda Civic SI Sedan at a cost of $1,584 per year. The highest-cost model and trim level is the Toyota Prius Prime Advanced Hatchback at an average cost of $2,124 per year.

The tables below break down the average cost to insure all 2019 trim levels, along with an average cost for each model. The cheapest of the two models to insure for the 2019 model year is the Honda Civic.

2019 Honda Civic

$1,812

Insurance Rates by Trim Level for a 2019 Honda Civic
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

2019 Toyota Prius

$1,950

Insurance Rates by Trim Level for 2019 Honda Civic
2019 Toyota Prius TrimsRate
C L Hatchback$1,786
C LE Hatchback1,846
L EcoHatchback1,846
LE Hatchback1,906
Prime Plus Hatchback1,962
LE AWD Hatchback1,966
XLE Hatchback1,966
Prime Premium Hatchback2,004
XLE AWD Hatchback2,006
Limited Hatchback2,064
Prime Advanced Hatchback2,124
2019 Toyota Prius Average Rate$1,950

2018 Honda Civic vs. Toyota Prius

For 2018 Honda Civic and Toyota Prius models, the Honda Civic costs less to insure by $60 per year for this model year.

The following chart shows the average insurance cost for the two models using different driver ages. For a 2018 Honda Civic, the average car insurance cost ranges from $1,602 to $3,572 per year for the included driver ages. Full-coverage car insurance on a 2018 Toyota Prius costs from $1,642 to $3,738 on average per year.

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

Data Methodology: Rates based on a 2018 model year Honda Civic and Toyota Prius. 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 Civic vs. Toyota Prius Insurance Cost
Driver Age Honda Civic Toyota Prius
18-Year-Old$5,453$5,756
20-Year-Old$3,572$3,738
25-Year-Old$2,070$2,146
30-Year-Old$1,896$1,968
40-Year-Old$1,790$1,850
50-Year-Old$1,602$1,642
60-Year-Old$1,496$1,538

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

For the 22 trim levels available for the 2018 Honda Civic, the cheapest trim to insure is the SI Sedan trim at an average cost of $1,512 per year.

Out of the 14 option levels available for the Toyota Prius, the cheapest 2018 trim level to insure is the C One Hatchback model at a cost of $1,706.

When car insurance rates for all 36 trims of both models are combined and sorted by cost, the cheapest model and trim level to buy insurance for is the Honda Civic SI Sedan at a cost of $1,512 per year. The most expensive trim is the Toyota Prius Prime Advanced Hatchback costing an average of $2,024 per year.

The two tables below illustrate average cost to insure each trim level for a 2018 Honda Civic and Toyota Prius, including an overall average cost for each model. The 2018 Honda Civic wins the head-to-head comparison over the 2018 Toyota Prius for cheapest car insurance rates.

2018 Honda Civic

$1,790

Insurance Rates by Trim Level for a 2018 Honda Civic
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

2018 Toyota Prius

$1,850

Insurance Rates by Trim Level for 2018 Honda Civic
2018 Toyota Prius TrimsRate
C One Hatchback$1,706
C Two Hatchback1,706
C Three Hatchback1,764
One Sedan1,764
C Four Hatchback1,818
Two EcoSedan1,818
Two Sedan1,818
Prime Plus Hatchback1,876
Three Sedan1,876
Four Sedan1,914
Prime Premium Hatchback1,914
Three Touring Sedan1,914
Four Touring Sedan1,968
Prime Advanced Hatchback2,024
2018 Toyota Prius Average Rate$1,850

2017 Honda Civic vs. Toyota Prius

When comparing average insurance rates for 2017 models, a Honda Civic costs an average of $1,706 per year to insure and a Toyota Prius costs $1,810, making the Honda Civic cheaper to insure by $104 per year.

The following chart displays the average cost to insure the two models rated for a variety of different driver ages. For a 2017 Honda Civic, insurance cost ranges from $1,530 to $3,402 per year for the sample drivers in the chart. Auto insurance on a 2017 Toyota Prius costs from $1,612 to $3,664 on average per year.

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

Data Methodology: Rates based on a 2017 model year Honda Civic and Toyota Prius. 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 Civic vs. Toyota Prius Insurance Cost
Driver Age Honda Civic Toyota Prius
18-Year-Old$5,191$5,636
20-Year-Old$3,402$3,664
25-Year-Old$1,972$2,102
30-Year-Old$1,808$1,928
40-Year-Old$1,706$1,810
50-Year-Old$1,530$1,612
60-Year-Old$1,426$1,510

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

For the 17 trim levels available for the 2017 Honda Civic, the lowest-cost trim to insure is the SI Sedan model at an average cost of $1,404 per year, or about $117 per month. Out of the 18 option levels available for the Toyota Prius, the most affordable 2017 trim to insure is the C One Hatchback model at a cost of $1,636 per year, or around $136 per month.

When rates are compared for the 35 trim levels of both 2017 models, the lowest-cost model and trim to put coverage on is the Honda Civic SI Sedan at an average cost of $1,404 per year. The overall most expensive vehicle to insure is the Toyota Prius V Five Station Wagon at an average cost of $2,014 per year.

The rate tables below illustrate average car insurance rates for every trim level for both 2017 models, plus the average rate for each model. The 2017 Honda Civic defeats the 2017 Toyota Prius for the cheapest overall car insurance rates.

2017 Honda Civic

$1,706

Insurance Rates by Trim Level for a 2017 Honda Civic
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

2017 Toyota Prius

$1,810

Insurance Rates by Trim Level for 2017 Honda Civic
2017 Toyota Prius TrimsRate
C One Hatchback$1,636
C Two Hatchback1,636
C Three Hatchback1,690
One Sedan1,690
C Four Hatchback1,744
Two EcoSedan1,744
Two Sedan1,744
Prime Plus Hatchback1,796
Three Sedan1,796
Four Sedan1,832
Prime Premium Hatchback1,832
Three Touring Sedan1,832
Four Touring Sedan1,886
V Two Station Wagon1,908
Prime Advanced Hatchback1,938
V Four Station Wagon1,962
V Three Station Wagon1,962
V Five Station Wagon2,014
2017 Toyota Prius Average Rate$1,810

2016 Honda Civic vs. Toyota Prius

When comparing average insurance rates for the 2016 Honda Civic and Toyota Prius models, the Honda Civic is cheaper to insure by $58 per year.

The following chart demonstrates the average cost to insure both 2016 models rated for different driver ages. For the 2016 Honda Civic, the average car insurance cost ranges from $1,422 to $3,146 per year. Car insurance on the 2016 Toyota Prius ranges from $1,468 to $3,308 on average per year.

Average car insurance premiums for 2016 Honda Civic and Toyota Prius models for different driver ages.
Figure 9: Average car insurance premiums for 2016 Honda Civic and Toyota Prius models for different driver ages. Rates updated on June 26, 2025.

Data Methodology: Rates based on a 2016 model year Honda Civic and Toyota Prius. 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 Civic vs. Toyota Prius Insurance Cost
Driver Age Honda Civic Toyota Prius
18-Year-Old$4,785$5,076
20-Year-Old$3,146$3,308
25-Year-Old$1,830$1,906
30-Year-Old$1,674$1,744
40-Year-Old$1,586$1,644
50-Year-Old$1,422$1,468
60-Year-Old$1,326$1,374

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 26, 2025

Out of 10 Honda Civic trims, the most affordable 2016 model to insure is the LX Sedan trim at an average cost of $1,490 per year, or around $124 per month. For the 15 different trims available for the Toyota Prius, the most affordable 2016 trim level to insure is the C One Hatchback trim at a cost of $1,504 per year, or about $125 per month.

When trim-level rates for both models are compared, the lowest-cost model and trim level to buy insurance for is the Honda Civic LX Sedan at an average cost of $1,490 per year, and the most expensive trim is the Toyota Prius Three Touring Sedan at an average of $1,730 per year.

The tables below illustrate trim level insurance cost averages for both 2016 models, along with the average rate for each model. The 2016 Honda Civic has more affordable average car insurance rates than the 2016 Toyota Prius.

2016 Honda Civic

$1,586

Insurance Rates by Trim Level for a 2016 Honda Civic
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

2016 Toyota Prius

$1,644

Insurance Rates by Trim Level for 2016 Honda Civic
2016 Toyota Prius TrimsRate
C One Hatchback$1,504
C Persona Special Hatchback1,552
C Three Hatchback1,552
C Two Hatchback1,552
V Two Station Wagon1,620
C Four Hatchback1,648
Two EcoSedan1,648
Two Sedan1,648
V Four Station Wagon1,668
V Three Station Wagon1,668
Three Sedan1,698
V Five Station Wagon1,716
Four Sedan1,730
Four Touring Sedan1,730
Three Touring Sedan1,730
2016 Toyota Prius Average Rate$1,644

2015 Honda Civic vs. Toyota Prius

For 2015 Honda Civic and Toyota Prius models, the Honda Civic is cheaper to insure by $96 per year for this model year.

The chart shown below shows the average car insurance cost for both 2015 models with different driver age groups. Average car insurance cost ranges from $1,304 to $2,876 per year on a 2015 Honda Civic, and $1,382 to $3,106 on the 2015 Toyota Prius for the included driver ages.

Average car insurance premiums for 2015 Honda Civic and Toyota Prius models for different driver ages.
Figure 10: Average car insurance premiums for 2015 Honda Civic and Toyota Prius models for different driver ages. Rates updated on June 26, 2025.

Data Methodology: Rates based on a 2015 model year Honda Civic and Toyota Prius. 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 Civic vs. Toyota Prius Insurance Cost
Driver Age Honda Civic Toyota Prius
18-Year-Old$4,368$4,753
20-Year-Old$2,876$3,106
25-Year-Old$1,664$1,784
30-Year-Old$1,524$1,628
40-Year-Old$1,446$1,542
50-Year-Old$1,304$1,382
60-Year-Old$1,214$1,294

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 26, 2025

Out of 13 Honda Civic trim levels, the lowest-cost 2015 model to insure is the LX Sedan model at an average cost of $1,298 per year, or around $108 per month. For the 16 different trim levels available for a Toyota Prius, the lowest-cost 2015 trim to insure is the C One Hatchback model at a cost of $1,366.

When rates for all 29 trim levels for both vehicles are compared, the overall cheapest vehicle to insure is the Honda Civic LX Sedan at a cost of $1,298 per year, and the highest-cost model and trim is the Toyota Prius Plug-in Advance Hatchback at a cost of $1,678 per year.

The next two rate tables illustrate average car insurance cost by trim level for each 2015 model, including an overall average cost for each model.

2015 Honda Civic

$1,446

Insurance Rates by Trim Level for a 2015 Honda Civic
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

2015 Toyota Prius

$1,542

Insurance Rates by Trim Level for 2015 Honda Civic
2015 Toyota Prius TrimsRate
C One Hatchback$1,366
C Three Hatchback1,410
C Two Hatchback1,410
One Sedan1,454
C Four Hatchback1,498
Three Sedan1,498
Two Sedan1,498
Persona Sedan1,544
Four Sedan1,590
Plug-in Hatchback1,590
V Two Station Wagon1,604
V Four Station Wagon1,620
V Three Station Wagon1,620
Five Sedan1,634
V Five Station Wagon1,664
Plug-in Advance Hatchback1,678
2015 Toyota Prius Average Rate$1,542

Additional Honda Civic and Toyota Prius Resources