Honda Civic Insurance Cost for 2022

How much does Honda Civic insurance cost? We compared average car insurance rates for the base LX up to the Type R model to see how the Civic ranks against other compact cars.

Start QuoteCompare Civic car insurance rates and save on your next policy.

How much does Honda Civic insurance cost?

Ranked #8 out of 20 vehicles in the 2022 compact car class, Honda Civic insurance costs an average $1,510 a year for full coverage, or about $126 on a monthly basis. With the average small car costing $1,569 a year to insure, the Civic is around $59 cheaper.

Average car insurance cost per month for a Honda Civic ranges from $117 to $138, with the LX being cheapest and the Type R costing the most to insure.

The chart below details 2022 Honda Civic insurance cost for different ages of drivers and also different policy deductibles.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average insurance cost for a 2022 Honda Civic with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all Honda Civic trim levels.Data last updated on September 13, 2022
Honda Civic Car Insurance Rates
Honda Civic Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,552$213
$500$2,982$249
$250$3,436$286
30$1,000$1,340$112
$500$1,584$132
$250$1,840$153
40$1,000$1,286$107
$500$1,510$126
$250$1,742$145
50$1,000$1,174$98
$500$1,376$115
$250$1,584$132
60$1,000$1,150$96
$500$1,348$112
$250$1,552$129

The overall average rate in the chart above is the $500 deductible policy for a 40-year-old driver which costs $1,510 per year, or $126 per month. Depending on the Civic trim level being insured, monthly car insurance rates range from $117 to $138, with the Civic LX being cheapest and the Civic Type R costing the most to insure.

How does Honda Civic car insurance compare?

When compared to other popular small cars, insurance for a Civic costs $10 more per year than the Toyota Corolla, $210 less than the Hyundai Elantra, $28 less than the Volkswagen Jetta, and $22 less than the Nissan Sentra.

The Civic ranks #8 out of 20 total vehicles in the 2022 compact car segment, costing $59 less per year on average to insure than the rest of the class. Average car insurance cost for the Civic is $1,510 per year, while the compact car segment averages $1,569 per year for full coverage insurance.

When compared to all 2022 model year vehicles (not just compact cars), Honda Civic insurance costs 3.6% less than the national average car insurance rate of $1,567 per year.

The chart below shows how well 2022 Honda Civic insurance cost compares to the top 10 selling small cars in America. The table following the chart compares insurance cost for all small cars to the cost to insure a Honda Civic.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2022 model year Honda Civic, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Honda Civic trim levels. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 13, 2022
Insurance Cost Comparison: Honda Civic vs Popular Small Cars
Honda Civic Insurance Cost Compared to All Small Cars
Rank Make/Model Insurance Cost Difference
1Subaru Impreza$1,324-$186
2Chevrolet Spark$1,328-$182
3Volkswagen Golf$1,466-$44
4Volkswagen Jetta$1,482-$28
5Nissan Sentra$1,488-$22
6Toyota Corolla$1,500-$10
7Kia Rio$1,504-$6
8Honda Civic$1,510--
9Mazda 3$1,516$6
10Toyota Prius$1,526$16
11Hyundai Accent$1,544$34
12Hyundai Veloster$1,556$46
13Kia Forte$1,560$50
14Nissan Leaf$1,628$118
15Hyundai Ioniq$1,636$126
16Honda Clarity$1,678$168
17Nissan Versa$1,718$208
18Hyundai Elantra$1,720$210
19Mitsubishi Mirage G4$1,728$218
20Toyota Mirai$1,968$458

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 cost. Keep reading to see insurance rates for different Civic trim and package levels.

What is the cheapest Civic to insure?

The cheapest Honda Civic to insure is the LX trim level costing an average of $1,400 per year. Generally, as trim level increases (along with vehicle MSRP), the cost of car insurance also increases.

The second cheapest Civic to insure is the LX Hatchback at $1,428, and the third cheapest trim level is the Sport at $1,436 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 $1,650 per year.

2022 Honda Civic Insurance Cost by Trim Level
Honda Civic Trim Level Annual Policy 6-month Policy Per Month
LX$1,400$700$117
LX Hatchback$1,428$714$119
Sport$1,436$718$120
Sport Hatchback$1,458$729$122
EX$1,470$735$123
EX-L Hatchback$1,504$752$125
Si$1,508$754$126
Si HPT$1,508$754$126
Touring$1,612$806$134
Sport Touring Hatchback$1,626$813$136
Type R$1,650$825$138

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Honda Civic, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 13, 2022
Honda Civic Insurance Cost by Trim Level

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 is 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.

How much does Honda Civic Si insurance cost?

Insurance on a Honda Civic Si ranges from $1,062 per year for the 2013 model to around $1,500 for the 2022 Civic Si. Insurance for the 2022 Civic Si costs right around the average rate for all Civic trims of $1,510.

The Civic Si was not produced for the 2021 or 2016 model years, but insurance rates for other Honda Civic Si models can be found in the rate tables below, along with all other Civic trim levels.

Insurance cost for Honda Civic prior model years

The following sections detail Honda Civic car insurance rates for every trim level for the 2013 to 2021 model years.

2021 Honda Civic insurance rates

Average insurance rates for a 2021 Honda Civic are $1,364 per year, or around $114 per month. Rates range from $1,228 per year for the Civic LX Sedan to $1,676 for the Civic Sport Touring Hatchback.

2021 Honda Civic Insurance Cost by Trim Level
2021 Honda Civic Trim Level Annual Rate Per Month
LX Sedan$1,228$102
LX Hatchback$1,252$104
Sport Sedan$1,274$106
EX Sedan$1,296$108
Sport Hatchback$1,296$108
LX Coupe$1,338$112
EX Hatchback$1,342$112
EX-L Navi Hatchback$1,342$112
EX-L Sedan$1,342$112
EX Coupe$1,384$115
Touring Sedan$1,462$122
Touring Hatchback$1,492$124
Sport Touring Hatchback$1,676$140

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2021 Honda Civic, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 13, 2022
2021 Honda Civic Insurance Cost by Trim Level

2020 Honda Civic insurance rates

Average insurance rates for a 2020 Honda Civic are $1,344 per year, or around $112 per month. Rates range from $1,208 per year for the Civic LX Sedan to $1,650 for the Civic Sport Touring Hatchback.

2020 Honda Civic Insurance Cost by Trim Level
2020 Honda Civic Trim Level Annual Rate Per Month
LX Sedan$1,208$101
LX Hatchback$1,228$102
Sport Sedan$1,250$104
EX Sedan$1,274$106
Sport Hatchback$1,274$106
SI Sedan$1,290$108
EX Hatchback$1,316$110
EX-L Navi Hatchback$1,316$110
EX-L Sedan$1,316$110
LX Coupe$1,316$110
Sport Coupe$1,338$112
EX Coupe$1,360$113
Touring Coupe$1,408$117
SI Coupe$1,434$120
Touring Sedan$1,434$120
Touring Hatchback$1,466$122
Sport Touring Hatchback$1,650$138

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2020 Honda Civic, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 13, 2022
2020 Honda Civic Insurance Cost by Trim Level

2019 Honda Civic insurance rates

Insurance rates for a 2019 Honda Civic average $1,326 per year, or about $111 per month. Rates range from $1,154 per year for the Civic SI Sedan to $1,508 for the Civic Sport Touring Hatchback.

2019 Honda Civic Insurance Cost by Trim Level
2019 Honda Civic Trim Level Annual Rate Per Month
SI Sedan$1,154$96
LX Hatchback$1,244$104
LX Sedan$1,244$104
LX Coupe$1,256$105
Sport Coupe$1,256$105
Sport Sedan$1,266$106
EX Hatchback$1,286$107
EX Sedan$1,286$107
Sport Hatchback$1,286$107
EX Coupe$1,298$108
EX-L Sedan$1,328$111
EX-L Navigation Hatchback$1,374$115
Touring Coupe$1,374$115
Touring Sedan$1,374$115
SI Coupe$1,404$117
Touring Hatchback$1,404$117
Type-R Hatchback$1,488$124
Sport Touring Hatchback$1,508$126

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2019 Honda Civic, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 13, 2022
2019 Honda Civic Insurance Cost by Trim Level

2018 Honda Civic insurance rates

2018 Honda Civic insurance rates average $1,332 per year, or around $111 per month. Cost ranges from $1,126 per year for the Civic SI Sedan to $1,474 for the Civic Sport Touring Hatchback.

2018 Honda Civic Insurance Cost by Trim Level
2018 Honda Civic Trim Level Annual Rate Per Month
SI Sedan$1,126$94
LX Coupe$1,224$102
EX-T Coupe$1,266$106
LX-P Coupe$1,266$106
LX Sedan$1,280$107
Type-R Hatchback$1,290$108
EX-L Coupe$1,306$109
LX Hatchback$1,308$109
EX Sedan$1,322$110
EX-T Sedan$1,322$110
LX Honda Sensing Sedan$1,322$110
Sport Hatchback$1,342$112
EX Hatchback$1,362$114
EX Honda Sensing Sedan$1,362$114
EX-T Honda Sensing Sedan$1,362$114
EX-TL Sedan$1,362$114
SI Coupe$1,370$114
Touring Coupe$1,376$115
EX-TL Honda Sensing Sedan$1,404$117
EX-L Hatchback$1,424$119
Touring Sedan$1,444$120
Sport Touring Hatchback$1,474$123

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2018 Honda Civic, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 13, 2022
2018 Honda Civic Insurance Cost by Trim Level

2017 Honda Civic insurance rates

A 2017 Honda Civic costs an average of $1,284 per year for full coverage insurance, or around $107 per month. Rates range from $1,056 per year for the Civic SI Sedan to $1,438 for the Civic Sport Touring Hatchback.

2017 Honda Civic Insurance Cost by Trim Level
2017 Honda Civic Trim Level Annual Rate Per Month
SI Sedan$1,056$88
LX Coupe$1,196$100
LX-P Coupe$1,196$100
EX Coupe$1,236$103
LX Hatchback$1,252$104
LX Sedan$1,252$104
Type-R Touring Hatchback$1,254$105
EX-L Coupe$1,274$106
EX Sedan$1,292$108
Sport Hatchback$1,292$108
SI Coupe$1,296$108
EX-L Sedan$1,326$111
EX Hatchback$1,332$111
Touring Coupe$1,342$112
EX-L Hatchback$1,372$114
Touring Sedan$1,410$118
Sport Touring Hatchback$1,438$120

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2017 Honda Civic, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 13, 2022
2017 Honda Civic Insurance Cost by Trim Level

2016 Honda Civic insurance rates

Average car insurance cost for a 2016 Honda Civic is $1,212 per year, or around $101 per month. Rates range from $1,138 per year for the Civic LX Sedan to $1,284 for the Civic Touring Coupe.

2016 Honda Civic Insurance Cost by Trim Level
2016 Honda Civic Trim Level Annual Rate Per Month
LX Sedan$1,138$95
LX Coupe$1,148$96
EX Sedan$1,182$99
EX-T Sedan$1,200$100
EX-TL Sedan$1,218$102
EX-L Coupe$1,222$102
EX-T Coupe$1,222$102
LX-P Coupe$1,222$102
Touring Sedan$1,274$106
Touring Coupe$1,284$107

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2016 Honda Civic, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 13, 2022
2016 Honda Civic Insurance Cost by Trim Level

2015 Honda Civic insurance rates

Insurance rates average $1,134 per year for a 2015 Honda Civic, or around $95 per month. Rates range from $1,014 per year for the Civic LX Sedan to $1,248 for the Civic SI Coupe.

2015 Honda Civic Insurance Cost by Trim Level
2015 Honda Civic Trim Level Annual Rate Per Month
LX Sedan$1,014$85
SE Sedan$1,014$85
EX Sedan$1,050$88
HF Sedan$1,050$88
EX-L Sedan$1,086$91
SI Sedan$1,086$91
CNG Sedan$1,132$94
LX Coupe$1,180$98
Hybrid L Sedan$1,208$101
Hybrid Sedan$1,208$101
EX Coupe$1,214$101
EX-L Coupe$1,248$104
SI Coupe$1,248$104

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2015 Honda Civic, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 13, 2022
2015 Honda Civic Insurance Cost by Trim Level

2014 Honda Civic insurance rates

Average insurance cost for a 2014 Honda Civic is $1,058 per year, or around $88 per month. Rates range from $968 per year for the Civic HF Sedan to $1,142 for the Civic Hybrid Sedan.

2014 Honda Civic Insurance Cost by Trim Level
2014 Honda Civic Trim Level Annual Rate Per Month
HF Sedan$968$81
LX Sedan$968$81
EX Sedan$1,002$84
EX-L Sedan$1,034$86
LX Coupe$1,034$86
SI Sedan$1,034$86
EX Coupe$1,066$89
CNG Sedan$1,076$90
Sedan$1,076$90
EX-L Coupe$1,098$92
SI Coupe$1,098$92
Hybrid L Sedan$1,142$95
Hybrid Sedan$1,142$95

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2014 Honda Civic, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 13, 2022
2014 Honda Civic Insurance Cost by Trim Level

2013 Honda Civic insurance rates

Insurance cost for a 2013 Honda Civic averages $1,044 per year, or about $87 per month. Rates range from $972 per year for the Civic LX Coupe to $1,122 for the Civic Hybrid w/Navigation Sedan.

2013 Honda Civic Insurance Cost by Trim Level
2013 Honda Civic Trim Level Annual Rate Per Month
LX Coupe$972$81
LX Sedan$972$81
EX Sedan$1,000$83
HF Sedan$1,000$83
EX-L Sedan$1,030$86
SI Sedan$1,030$86
EX Coupe$1,040$87
EX-L Coupe$1,072$89
SI Coupe$1,072$89
CNG Sedan$1,092$91
Hybrid Sedan$1,122$94
Hybrid w/Navigation Sedan$1,122$94

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2013 Honda Civic, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 13, 2022
2013 Honda Civic Insurance Cost by Trim Level

How much is Honda Civic insurance for teenagers?

Average car insurance rates for teenagers on a 2021 Honda Civic range from a low of $3,414 per year for a 19-year-old female driver to a high of $4,904 for a 16-year-old male driver.

Honda Civic insurance for a 17-year-old driver costs an average of $4,562 for males and $4,066 for females. After turning 18, insurance rates drop a little, averaging $4,256 for males and $3,690 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 2021 Honda Civic Touring is an IIHS Top Safety Pick. The other 2021 Civic trim levels do not receive the top award due to the poor rating of the halogen headlights. The touring model has LED headlights, which receive a good rating from IIHS.

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

Get Rates in Your AreaWhy is this important?

Chart Data Details: Teenage driver rates are for a 2022 model year Honda Civic with $500 physical damage deductibles. Rates are averaged across all U.S. states and all Honda Civic trim levels.Data last updated on September 13, 2022
Honda Civic Insurance Rates for Teenagers
Honda Civic Insurance Cost for Teenage Drivers
Teen Driver Gender Age 16 Age 17 Age 18 Age 19
Male$5,428$5,052$4,710$4,252
Female$4,782$4,502$4,088$3,778