Honda Civic Car Insurance Prices: 2025 Comprehensive Guide

How much is Honda Civic car insurance?

From the LX trim level to the high end Type R trim, we compared insurance cost for the Civic to find out how rate quotes rank against similar vehicles.

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How much does Honda Civic insurance cost?

For full coverage, Honda Civic insurance costs about $144 per month and ranks third out of 15 compact cars in 2024. The average small car costs $2,315 a year to insure, so the Civic is around $241 cheaper.

The Honda Civic has a range of features that make it an attractive option for those looking for a reliable and affordable car. Its safety features and fuel efficiency make it a smart choice for drivers who want to save money on their insurance premiums.

Depending on the model, Honda Civic insurance costs range from $155 to $205 per month, with the LX being the cheapest and the Type R being the most expensive.

The infographic below details 2024 Honda Civic insurance prices for different driver ages and policy deductibles.

Average 2024 Honda Civic car insurance premiums for different driver ages and policy deductibles.
Figure 1: Average 2024 Honda Civic car insurance premiums for different driver ages and policy deductibles. Updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average premiums are based on a 2024 model year Honda Civic. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels.

2024 Honda Civic Insurance Cost by Driver Age and Deductibles
Driver Age Policy Deductible Annual Premium Cost Per Month
20-Year-Old$1,000$3,468$289
$500$4,110$343
$250$4,788$399
30-Year-Old$1,000$1,850$154
$500$2,214$185
$250$2,592$216
40-Year-Old$1,000$1,738$145
$500$2,074$173
$250$2,422$202
50-Year-Old$1,000$1,548$129
$500$1,838$153
$250$2,140$178
60-Year-Old$1,000$1,450$121
$500$1,718$143
$250$2,000$167

Data Methodology: Rated driver has 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 the 2024 Honda Civic. Updated June 27, 2025

The overall average rate in the chart above is the $500 deductible policy for a 40-year-old driver which costs $2,074 per year, or $173 per month.

Rates are higher for younger drivers, with the average rate for a 20-year-old driver being $4,110 per year, which is about $343 per month for full coverage.

Rates continue to decline as drivers age, but start to creep back up after around age 65. The price decline from age 20 to 30 is much more significant that from age 30 onward.

Honda Civic insurance rates compared

When compared to other popular 2024 model year compact cars, insurance for a Civic costs $208 less per year than the Toyota Corolla, $468 less than the Hyundai Elantra, $296 less than the Volkswagen Jetta, and $72 less than the Nissan Sentra.

As mentioned earlier, the Civic ranks third out of 15 total vehicles in the 2024 compact car segment, costing $241 less per year on average to insure than the rest of the class. The average car insurance cost for the Civic is $2,074 per year, while the 2024 compact car segment averages $2,315 per year for full coverage insurance.

When compared to all 2024 vehicles (not just compact cars), a new Honda Civic costs 19.1% less to insure than the national average car insurance rate for 2024 models of $2,512 per year.

The chart below shows how well 2024 Honda Civic insurance cost compares to ten other top-selling small cars in America.

2024 Honda Civic average car insurance premium compared to other small car models.
Figure 2: 2024 Honda Civic average car insurance premium compared to other small car models. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are based on 2024 models and assume a 40-year-old married male driver with a clean driving record and no at-fault accidents. Premium is averaged for all trim levels for each model. Comprehensive and collision deductibles are $500 and rates are averaged for all U.S. states.

2024 Honda Civic Insurance Cost vs. the Small Car Segment
Rank Make and Model Annual Premium Difference
1Toyota GR Corolla$2,034-$40
2Nissan Leaf$2,052-$22
3Honda Civic$2,074--
4Nissan Sentra$2,146$72
5Subaru Impreza$2,154$80
6Toyota Prius$2,188$114
7Toyota Corolla$2,282$208
8Kia Forte$2,288$214
9Nissan Versa$2,310$236
2024 Small Car Average$2,315$241
10Mitsubishi Mirage G4$2,364$290
11Volkswagen Jetta$2,370$296
12Mazda 3$2,424$350
13Hyundai Elantra$2,542$468
14Volkswagen Golf$2,586$512
15Toyota Mirai$2,916$842

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model. Updated June 27, 2025

Rate comparisons are averaged for all trim levels for each vehicle model, so insuring a higher-end Civic like the Touring package can result in higher overall insurance costs.

Another useful comparison is to see how 2024 Civic insurance rates compare to all other 2024 model year vehicles, not just the compact car segment.

The table below breaks out each individual policy coverage and shows how each one compares to the average for all 2024 models.

2024 Honda Civic vs. All Vehicles by Policy Coverage
Policy Coverage 2024 Honda Civic 2024 All Vehicle Average Difference
Comprehensive$566$642-12.6%
Collision$908$1,186-26.6%
Liability$418$480-13.8%
Med/PIP Other$182$204-11.4%
Total Policy Cost$2,074$2,512-19.1%

Lower than average cost Higher than average cost

Data Methodology: Rated driver is a 40-year-old male with no driving violations or at-fault accidents in the prior three years. Coverage premiums are averaged for all trim levels available for the 2024 Honda Civic. Updated June 27, 2025

Comparison between a 2024 Honda Civic and all other 2024 model year vehicles showing the cost and cost different for each car insurance policy coverage
Comparison between a 2024 Honda Civic and all other 2024 model year vehicles showing the cost and cost different for each car insurance policy coverage

The data shows that for physical damage coverages (comprehensive and collision), the 2024 Civic will save some money over the average rates. This is generally due to below-average collision repair costs for the Civic.

Liability and medical costs are a different story, however, and you’ll give a little back for those coverages. Based on these numbers, the Civic has a tendency to have higher or more frequent liability and occupant medical claims than the average 2024 model.

What is the cheapest Honda Civic insurance?

The cheapest 2024 Honda Civic to insure is the $23,950 LX trim level costing an average of $1,854 per year. Generally, as the trim level increases (along with the vehicle’s MSRP), the cost of car insurance also increases.

The second cheapest Civic to insure is the LX Hatchback at $1,890, and the third cheapest trim level is the Sport at $1,910 per year.

The table below shows the annual, semi-annual, and monthly costs for insuring the different trims and styles of Civics available, with the most expensive being the Type R at $2,458 per year.

2024 Honda Civic Insurance Rates by Trim Level
2024 Honda Civic Trim Level Annual Premium Cost Per Month
LX$1,854$155
LX Hatchback$1,890$158
Sport$1,910$159
Sport Hatchback$1,932$161
Sport Touring Hatchback$2,064$172
EX-L Hatchback$2,102$175
Touring$2,148$179
EX$2,162$180
Si$2,220$185
Type R$2,458$205

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Updated June 26, 2025

Insurance cost by trim level for a 2024 Honda Civic ranging from the LX model at $1,854 per year to the Type R model at $2,458
Insurance cost by trim level for a 2024 Honda Civic ranging from the LX model at $1,854 per year to the Type R model at $2,458

As mentioned earlier, as the cost of a Civic increases, so does the cost of car insurance. The table above illustrates this pretty well, as the higher-priced trim levels have significantly higher car insurance rates than the cheapest LX model.

The higher insurance rates on more expensive Civic models are due to the fact that it would cost a car insurance company more to replace them if they were totaled as compared to the cheaper models.

Anything that can potentially cost an insurance company more money will always translate into higher car insurance rates for the consumer.

Thus, consumers must weigh the benefits of higher-end Civics against the potential costs of higher insurance premiums.

What is the best insurance for a Honda Civic?

In a comparison of large U.S. insurance companies, Progressive had the cheapest average rates on a 2024 Honda Civic at $1,786 per year, followed by GEICO at $1,867 and Safeco at $1,910.

State Farm, Farmers Insurance, and Liberty Mutual rates tended to be a little higher on average for a 2024 Civic as shown in the chart below.

Estimated 2024 Honda Civic insurance cost for major U.S. auto insurance companies.
Figure 3: Estimated 2024 Honda Civic insurance cost for major U.S. auto insurance companies. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 Honda Civic, rated for a 40-year-old married male driver. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages is included. Rates are averaged for all locations and Honda Civic trim levels.

Average Honda Civic Insurance Rates by Company
Insurance CompanyAnnual PremiumCost Per Month
Progressive$1,786$149
GEICO$1,867$156
Safeco$1,910$159
State Farm$2,101$175
Farmers$2,292$191
Liberty Mutual$2,439$203

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Rates can vary considerably by company and trim level. Updated June 27, 2025

Keep in mind these are average rates, and the trim level of your Civic does impact rates as we discussed earlier. Just because the State Farm average rate is higher than Progressive, GEICO, and Safeco, that doesn’t necessarily mean their prices will be that much more expensive on a specific Civic trim.

Also, there are many insurance companies that either don’t sell nationwide and instead focus on smaller regional territories that may have cheaper rates than even Progressive and GEICO. Erie Insurance is an example of a regional company, as they primarily sell insurance in the upper midwest and eastern U.S. states.

There are also companies like USAA that are not available to everyone. USAA only sells car insurance to veterans, active military, and their family members and usually has some of the cheapest insurance rates. So if you are a veteran or in the military, definitely check out USAA.

In the end, finding the best insurance for a Honda Civic isn’t necessarily all about price. Excellent claims service may be a higher priority for you than the cheapest price. Or having a local agent to discuss your coverages with may also be a priority that may not be available from every company.

The best insurance is often a balance between price, customer service, and claims handling.

Insurance cost for Honda Civic prior model years

The previous data covered car insurance rates for the 2024 Honda Civic model. The next sections detail Honda Civic car insurance rates for every trim level for the 2013 to 2022 model years.

2022 Honda Civic insurance rates

2022 Honda Civic insurance rates average $2,106 per year, or approximately $176 per month. Cost ranges from $1,960 per year for the Civic LX to $2,300 for the Civic Type R.

2022 Honda Civic Insurance Cost by Trim Level
2022 Honda Civic Trim Level Annual Premium Cost Per Month
LX$1,960$163
LX Hatchback$1,996$166
Sport$2,008$167
Sport Hatchback$2,040$170
EX$2,058$172
EX-L Hatchback$2,104$175
Si$2,110$176
Si HPT$2,112$176
Touring$2,238$187
Sport Touring Hatchback$2,268$189
Type R$2,300$192

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated June 26, 2025

Insurance cost by trim level for a 2022 Honda Civic ranging from the LX model at $1,960 per year to the Type R model at $2,300
Insurance cost by trim level for a 2022 Honda Civic ranging from the LX model at $1,960 per year to the Type R model at $2,300

2021 Honda Civic insurance rates

Average insurance rates for a 2021 Honda Civic are $1,918 per year, or around $160 per month. Rates range from $1,730 per year for the Civic LX Sedan to $2,354 for the Civic Sport Touring Hatchback.

2021 Honda Civic Insurance Cost by Trim Level
2021 Honda Civic Trim Level Annual Premium Cost Per Month
LX Sedan$1,730$144
LX Hatchback$1,762$147
Sport Sedan$1,794$150
EX Sedan$1,826$152
Sport Hatchback$1,826$152
LX Coupe$1,884$157
EX Hatchback$1,892$158
EX-L Navi Hatchback$1,892$158
EX-L Sedan$1,892$158
EX Coupe$1,950$163
Touring Sedan$2,058$172
Touring Hatchback$2,104$175
Sport Touring Hatchback$2,354$196

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated June 27, 2025

Insurance cost by trim level for a 2021 Honda Civic ranging from the LX Sedan model at $1,730 per year to the Sport Touring Hatchback model at $2,354
Insurance cost by trim level for a 2021 Honda Civic ranging from the LX Sedan model at $1,730 per year to the Sport Touring Hatchback model at $2,354

2020 Honda Civic insurance rates

Average insurance rates for a 2020 Honda Civic are $1,874 per year, or around $156 per month. Rates range from $1,680 per year for the Civic LX Sedan to $2,290 for the Civic Sport Touring Hatchback.

2020 Honda Civic Insurance Cost by Trim Level
2020 Honda Civic Trim Level Annual Premium Cost Per Month
LX Sedan$1,680$140
LX Hatchback$1,712$143
Sport Sedan$1,740$145
EX Sedan$1,772$148
Sport Hatchback$1,772$148
SI Sedan$1,798$150
EX Hatchback$1,834$153
EX-L Navi Hatchback$1,834$153
EX-L Sedan$1,834$153
LX Coupe$1,834$153
Sport Coupe$1,864$155
EX Coupe$1,894$158
Touring Coupe$1,964$164
SI Coupe$2,000$167
Touring Sedan$2,000$167
Touring Hatchback$2,042$170
Sport Touring Hatchback$2,290$191

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated June 27, 2025

Insurance cost by trim level for a 2020 Honda Civic ranging from the LX Sedan model at $1,680 per year to the Sport Touring Hatchback model at $2,290
Insurance cost by trim level for a 2020 Honda Civic ranging from the LX Sedan model at $1,680 per year to the Sport Touring Hatchback model at $2,290

2019 Honda Civic insurance rates

Insurance rates for a 2019 Honda Civic average $1,812 per year, or about $151 per month. Rates range from $1,584 per year for the Civic SI Sedan to $2,062 for the Civic Sport Touring Hatchback.

2019 Honda Civic Insurance Cost by Trim Level
2019 Honda Civic Trim Level Annual Premium Cost Per Month
SI Sedan$1,584$132
LX Hatchback$1,702$142
LX Sedan$1,702$142
LX Coupe$1,720$143
Sport Coupe$1,720$143
Sport Sedan$1,732$144
EX Hatchback$1,762$147
EX Sedan$1,762$147
Sport Hatchback$1,762$147
EX Coupe$1,780$148
EX-L Sedan$1,822$152
EX-L Navigation Hatchback$1,882$157
Touring Coupe$1,882$157
Touring Sedan$1,882$157
SI Coupe$1,924$160
Touring Hatchback$1,924$160
Type-R Hatchback$2,040$170
Sport Touring Hatchback$2,062$172

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated June 26, 2025

Insurance cost by trim level for a 2019 Honda Civic ranging from the SI Sedan model at $1,584 per year to the Sport Touring Hatchback model at $2,062
Insurance cost by trim level for a 2019 Honda Civic ranging from the SI Sedan model at $1,584 per year to the Sport Touring Hatchback model at $2,062

2018 Honda Civic insurance rates

2018 Honda Civic insurance rates average $1,790 per year, or around $149 per month. Cost ranges from $1,512 per year for the Civic SI Sedan to $1,978 for the Civic Sport Touring Hatchback.

2018 Honda Civic Insurance Cost by Trim Level
2018 Honda Civic Trim Level Annual Premium Cost Per Month
SI Sedan$1,512$126
LX Coupe$1,648$137
EX-T Coupe$1,704$142
LX-P Coupe$1,704$142
LX Sedan$1,716$143
Type-R Hatchback$1,736$145
LX Hatchback$1,754$146
EX-L Coupe$1,760$147
EX Sedan$1,772$148
EX-T Sedan$1,772$148
LX Honda Sensing Sedan$1,772$148
Sport Hatchback$1,800$150
EX Hatchback$1,828$152
EX Honda Sensing Sedan$1,828$152
EX-T Honda Sensing Sedan$1,828$152
EX-TL Sedan$1,828$152
SI Coupe$1,842$154
Touring Coupe$1,854$155
EX-TL Honda Sensing Sedan$1,884$157
EX-L Hatchback$1,912$159
Touring Sedan$1,940$162
Sport Touring Hatchback$1,978$165

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated June 27, 2025

Insurance cost by trim level for a 2018 Honda Civic ranging from the SI Sedan model at $1,512 per year to the Sport Touring Hatchback model at $1,978
Insurance cost by trim level for a 2018 Honda Civic ranging from the SI Sedan model at $1,512 per year to the Sport Touring Hatchback model at $1,978

2017 Honda Civic insurance rates

A 2017 Honda Civic costs an average of $1,706 per year for full coverage insurance, or around $142 per month. Rates range from $1,404 per year for the Civic SI Sedan to $1,912 for the Civic Sport Touring Hatchback.

2017 Honda Civic Insurance Cost by Trim Level
2017 Honda Civic Trim Level Annual Premium Cost Per Month
SI Sedan$1,404$117
LX Coupe$1,594$133
LX-P Coupe$1,594$133
EX Coupe$1,648$137
LX Hatchback$1,664$139
LX Sedan$1,664$139
Type-R Touring Hatchback$1,668$139
EX-L Coupe$1,700$142
EX Sedan$1,718$143
Sport Hatchback$1,718$143
SI Coupe$1,726$144
EX-L Sedan$1,762$147
EX Hatchback$1,770$148
Touring Coupe$1,790$149
EX-L Hatchback$1,822$152
Touring Sedan$1,876$156
Sport Touring Hatchback$1,912$159

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated June 26, 2025

Insurance cost by trim level for a 2017 Honda Civic ranging from the SI Sedan model at $1,404 per year to the Sport Touring Hatchback model at $1,912
Insurance cost by trim level for a 2017 Honda Civic ranging from the SI Sedan model at $1,404 per year to the Sport Touring Hatchback model at $1,912

2016 Honda Civic insurance rates

The average cost for 2016 Honda Civic insurance is $1,586 per year, or around $132 per month. Rates range from $1,490 per year for the Civic LX Sedan to $1,682 for the Civic Touring Coupe.

2016 Honda Civic Insurance Cost by Trim Level
2016 Honda Civic Trim Level Annual Premium Cost Per Month
LX Sedan$1,490$124
LX Coupe$1,504$125
EX Sedan$1,546$129
EX-T Sedan$1,570$131
EX-TL Sedan$1,594$133
EX-L Coupe$1,600$133
EX-T Coupe$1,600$133
LX-P Coupe$1,600$133
Touring Sedan$1,666$139
Touring Coupe$1,682$140

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated June 27, 2025

Insurance cost by trim level for a 2016 Honda Civic ranging from the LX Sedan model at $1,490 per year to the Touring Coupe model at $1,682
Insurance cost by trim level for a 2016 Honda Civic ranging from the LX Sedan model at $1,490 per year to the Touring Coupe model at $1,682

2015 Honda Civic insurance rates

Insurance rates average $1,446 per year for a 2015 Honda Civic, or around $121 per month. Rates range from $1,298 per year for the Civic LX Sedan to $1,588 for the Civic SI Coupe.

2015 Honda Civic Insurance Cost by Trim Level
2015 Honda Civic Trim Level Annual Premium Cost Per Month
LX Sedan$1,298$108
SE Sedan$1,298$108
EX Sedan$1,342$112
HF Sedan$1,342$112
EX-L Sedan$1,390$116
SI Sedan$1,390$116
CNG Sedan$1,448$121
LX Coupe$1,504$125
Hybrid L Sedan$1,530$128
EX Coupe$1,540$128
Hybrid Sedan$1,540$128
EX-L Coupe$1,588$132
SI Coupe$1,588$132

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated June 27, 2025

Insurance cost by trim level for a 2015 Honda Civic ranging from the LX Sedan model at $1,298 per year to the SI Coupe model at $1,588
Insurance cost by trim level for a 2015 Honda Civic ranging from the LX Sedan model at $1,298 per year to the SI Coupe model at $1,588

2014 Honda Civic insurance rates

Average insurance cost for a 2014 Honda Civic is $1,368 per year, or around $114 per month. Rates range from $1,254 per year for the Civic HF Sedan to $1,480 for the Civic Hybrid Sedan.

2014 Honda Civic Insurance Cost by Trim Level
2014 Honda Civic Trim Level Annual Premium Cost Per Month
HF Sedan$1,254$105
LX Sedan$1,254$105
EX Sedan$1,296$108
EX-L Sedan$1,338$112
LX Coupe$1,338$112
SI Sedan$1,338$112
EX Coupe$1,380$115
CNG Sedan$1,394$116
Sedan$1,394$116
EX-L Coupe$1,422$119
SI Coupe$1,422$119
Hybrid L Sedan$1,480$123
Hybrid Sedan$1,480$123

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated June 27, 2025

Insurance cost by trim level for a 2014 Honda Civic ranging from the HF Sedan model at $1,254 per year to the Hybrid Sedan model at $1,480
Insurance cost by trim level for a 2014 Honda Civic ranging from the HF Sedan model at $1,254 per year to the Hybrid Sedan model at $1,480

2013 Honda Civic insurance rates

Insurance cost for a 2013 Honda Civic averages $1,370 per year, or about $114 per month. Rates range from $1,272 per year for the Civic LX Sedan to $1,472 for the Civic Hybrid w/Navigation Sedan.

2013 Honda Civic Insurance Cost by Trim Level
2013 Honda Civic Trim Level Annual Premium Cost Per Month
LX Sedan$1,272$106
LX Coupe$1,274$106
EX Sedan$1,314$110
HF Sedan$1,314$110
EX-L Sedan$1,354$113
SI Sedan$1,354$113
EX Coupe$1,366$114
EX-L Coupe$1,406$117
SI Coupe$1,406$117
CNG Sedan$1,432$119
Hybrid Sedan$1,472$123
Hybrid w/Navigation Sedan$1,472$123

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated June 27, 2025

Insurance cost by trim level for a 2013 Honda Civic ranging from the LX Sedan model at $1,272 per year to the Hybrid w/Navigation Sedan model at $1,472
Insurance cost by trim level for a 2013 Honda Civic ranging from the LX Sedan model at $1,272 per year to the Hybrid w/Navigation Sedan model at $1,472

Honda Civic insurance cost for teenage drivers

Average car insurance rates for teenagers on a 2024 Honda Civic range from a low of $4,865 per year for a 19-year-old female driver to a high of $7,221 for a 16-year-old male driver.

Honda Civic insurance for a 17-year-old driver costs an average of $7,001 for males and $6,711 for females. After turning 18, insurance rates drop a little, averaging $6,291 for males and $5,810 for females.

Why is Honda Civic insurance so high? It’s not just the Civic that has expensive car insurance for teens. Any vehicle that has a teenager insured as the rated driver will have extremely high insurance rates. Teens are inexperienced, easily distracted at the wheel, and have the highest frequency of accidents of any age group.

The Civic is a popular car for teenage drivers because it’s affordable, has a great selection of aftermarket mods, and receives good safety ratings.

In fact, the Honda Civic is an IIHS Top Safety Pick+ award winner, which is the highest rating given by the organization.

The chart below shows average Honda Civic car insurance rates for teenage drivers aged 16 through 19, both male and female.

Average cost to insure teenage drivers on a 2024 Honda Civic with full coverage.
Figure 4: Average cost to insure teenage drivers on a 2024 Honda Civic with full coverage. Rates updated on June 27, 2025.

Data Methodology: Teenage driver rates are for a 2024 model year Honda Civic with $500 comprehensive and collision deductibles. Rates are averaged across all U.S. states and all Honda Civic trim levels. Rates assume a clean driving record and no claims or at-fault accidents.

Honda Civic Insurance Cost for Teenage Drivers
Driver Age Male Driver Female Driver
16-Year-Old$7,221$6,749
17-Year-Old$7,001$6,711
18-Year-Old$6,291$5,810
19-Year-Old$5,736$4,865

Data Methodology: Rated teen drivers have no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium amounts are averaged for all trim levels available on the 2024 Honda Civic. Updated June 27, 2025

A good way to reduce the cost of insurance for teenagers is to either buy an older model-year Civic or insure with liability coverage only.

As an example, insuring an 18-year-old driver on a 2014 Honda Civic with full coverage averages $4,116 per year instead of $6,291 for a new 2024 model.

Dropping full coverage makes a significant dent in the cost of car insurance. For the same 2014 Honda Civic and 18-year-old driver with liability-only coverage, the rate drops to $1,933 per year for 100/300/100 split-limit coverage.

To get the cheapest Honda Civic insurance possible, which is not necessarily recommended, you can insure with the minimum liability insurance required in your state. It varies for each state, but it can be inadequate protection for a lot of drivers.

Liability insurance is pretty cheap coverage for the protection it provides, so this is one area we don’t recommend skimping on.

Ryan GrabensteinDuring his career as an independent insurance agent, Ryan Grabenstein was appointed with Progressive, Allstate, Nationwide, Travelers, and many smaller regional and mutual companies. He has a Bachelor's degree in Finance from the University of Nebraska at Lincoln and Certified Insurance Counselor (CIC) personal and commercial lines training.