Honda Civic Insurance Cost by Model Year, Driver Age and Trim Level

How much is Honda Civic car insurance?

From the Sport 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 eighth out of 15 compact cars in 2023. The average small car costs $1,757 a year to insure, so the Civic is around $29 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 $134 to $159 per month, with the Sport being the cheapest and the Type R being the most expensive.

The chart below details 2023 Honda Civic insurance prices for different driver ages and policy deductibles.

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Chart Data Details: Chart shows average insurance cost for a 2023 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 May 5, 2023
Honda Civic Car Insurance Rates
2023 Honda Civic Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,914$243
$500$3,414$285
$250$3,940$328
30$1,000$1,532$128
$500$1,814$151
$250$2,108$176
40$1,000$1,468$122
$500$1,728$144
$250$1,998$167
50$1,000$1,340$112
$500$1,572$131
$250$1,814$151
60$1,000$1,316$110
$500$1,544$129
$250$1,780$148

The overall average rate in the chart above is the $500 deductible policy for a 40-year-old driver which costs $1,728 per year, or $144 per month.

Rates are higher for younger drivers, with the average rate for a 20-year-old driver being $3,414 per year, which is about $285 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 2023 model year compact cars, insurance for a Civic costs $72 more per year than the Toyota Corolla, $200 less than the Hyundai Elantra, $118 less than the Volkswagen Jetta, and $92 less than the Nissan Sentra.

As mentioned earlier, the Civic ranks eighth out of 15 total vehicles in the 2023 compact car segment, costing $29 less per year on average to insure than the rest of the class. The average car insurance cost for the Civic is $1,728 per year, while the 2023 compact car segment averages $1,757 per year for full coverage insurance.

When compared to all 2023 vehicles (not just compact cars), a new Honda Civic costs 9.5% less to insure than the national average car insurance rate for 2023 models of $1,900 per year.

The chart below shows how well 2023 Honda Civic insurance cost compares to ten other top-selling small cars in America.

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Chart Data Details: Average rates are based on 2023 models and assume a 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 trim levels for each model. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on May 5, 2023
2023 Honda Civic Insurance vs. Other Small Cars
2023 Honda Civic Insurance Cost vs. the Small Car Segment
Rank Make and Model Insurance Cost Difference
1Subaru Impreza$1,462-$266
2Volkswagen Jetta$1,610-$118
3Nissan Sentra$1,636-$92
4Toyota Corolla$1,656-$72
5Volkswagen Golf$1,660-$68
6Toyota Prius$1,662-$66
7Mazda 3$1,690-$38
8Honda Civic$1,728--
9Kia Forte$1,730$2
10Mitsubishi Mirage G4$1,738$10
2023 Small Car Average$1,757$29
11Nissan Leaf$1,778$50
12Nissan Versa$1,882$154
13Hyundai Elantra$1,928$200
14Toyota GR Corolla$2,004$276
15Toyota Mirai$2,190$462

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 2023 Civic insurance rates compare to all other 2023 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 2023 models.

2023 Honda Civic vs. All Vehicles by Policy Coverage
Policy Coverage 2023 Honda Civic 2023 All Vehicle Average Difference
Comprehensive$430$468-8.5%
Collision$708$886-22.3%
Liability$414$3828%
Med/PIP Other$176$1647.1%
Total Policy Cost$1,728$1,900-9.5%

Lower than average cost Higher than average cost

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Table Data Details: Average rates are based on the 2023 model year, with the rated driver being a 40-year-old married male with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to rates, which are averaged for all vehicle trim levels. Full-coverage physical damage deductibles are $500, liability limits are $100,000 per person and $300,000 per accident, and rates are averaged for all U.S. states.Data last updated on May 5, 2023
2023 Honda Civic vs. Average Vehicle by Insurance Coverage

The data shows that for physical damage coverages (comprehensive and collision), the 2023 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 2023 model.

What is the cheapest Honda Civic insurance?

The cheapest 2023 Honda Civic to insure is the $24,650 Sport trim level costing an average of $1,612 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 Sport Hatchback at $1,632, and the third cheapest trim level is the EX at $1,650 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 $1,902 per year.

2023 Honda Civic Insurance Cost by Trim Level
Honda Civic Trim Level Annual Policy Six-Month Policy Per Month
Sport$1,612$806$134
Sport Hatchback$1,632$816$136
EX$1,650$825$138
EX-L Hatchback$1,688$844$141
Si$1,696$848$141
Touring$1,810$905$151
Sport Touring Hatchback$1,826$913$152
Type R$1,902$951$159

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 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 May 5, 2023
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 Sport 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 2023 Honda Civic at $1,488 per year, followed by GEICO at $1,555 and Safeco at $1,591.

State Farm, Farmers Insurance, and Liberty Mutual rates tended to be a little higher on average for a 2023 Civic as shown in the chart below.

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Chart Data Details: Average rates are for a 2023 Honda Civic, rated for a 40-year-old married male driver. Physical damage deductibles are $500, liability limits are 100/300/100, and rates are averaged for all locations and Honda Civic trim levels.Data last updated on May 5, 2023
Average 2023 Honda Civic Insurance Rates by Company
Average 2023 Honda Civic Insurance Rates by Company
Insurance CompanyAverage Annual RateCost Per Month
Progressive$1,488$124
GEICO$1,555$130
Safeco$1,591$133
State Farm$1,750$146
Farmers$1,909$159
Liberty Mutual$2,032$169

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 2023 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 $1,640 per year, or approximately $137 per month. Cost ranges from $1,526 per year for the Civic LX to $1,784 for the Civic Type R.

2022 Honda Civic Insurance Cost by Trim Level
2022 Honda Civic Trim Level Annual Rate Per Month
LX$1,526$127
LX Hatchback$1,550$129
Sport$1,562$130
Sport Hatchback$1,586$132
EX$1,598$133
EX-L Hatchback$1,634$136
Si$1,638$137
Si HPT$1,640$137
Touring$1,738$145
Sport Touring Hatchback$1,764$147
Type R$1,784$149

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 May 5, 2023
2022 Honda Civic Insurance Cost by Trim Level

2021 Honda Civic insurance rates

Average insurance rates for a 2021 Honda Civic are $1,488 per year, or around $124 per month. Rates range from $1,340 per year for the Civic LX Sedan to $1,830 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$1,340$112
LX Hatchback$1,364$114
Sport Sedan$1,390$116
EX Sedan$1,414$118
Sport Hatchback$1,414$118
EX Hatchback$1,464$122
EX-L Navi Hatchback$1,464$122
EX-L Sedan$1,464$122
LX Coupe$1,464$122
EX Coupe$1,516$126
Touring Sedan$1,598$133
Touring Hatchback$1,632$136
Sport Touring Hatchback$1,830$153

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 May 5, 2023
2021 Honda Civic Insurance Cost by Trim Level

2020 Honda Civic insurance rates

Average insurance rates for a 2020 Honda Civic are $1,474 per year, or around $123 per month. Rates range from $1,324 per year for the Civic LX Sedan to $1,808 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$1,324$110
LX Hatchback$1,346$112
Sport Sedan$1,370$114
EX Sedan$1,394$116
Sport Hatchback$1,394$116
SI Sedan$1,414$118
EX Hatchback$1,442$120
EX-L Navi Hatchback$1,442$120
EX-L Sedan$1,442$120
LX Coupe$1,446$121
Sport Coupe$1,470$123
EX Coupe$1,494$125
Touring Coupe$1,548$129
SI Coupe$1,576$131
Touring Sedan$1,576$131
Touring Hatchback$1,608$134
Sport Touring Hatchback$1,808$151

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 May 5, 2023
2020 Honda Civic Insurance Cost by Trim Level

2019 Honda Civic insurance rates

Insurance rates for a 2019 Honda Civic average $1,440 per year, or about $120 per month. Rates range from $1,252 per year for the Civic SI Sedan to $1,638 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$1,252$104
LX Hatchback$1,356$113
LX Sedan$1,356$113
LX Coupe$1,370$114
Sport Coupe$1,370$114
Sport Sedan$1,378$115
EX Hatchback$1,402$117
EX Sedan$1,402$117
Sport Hatchback$1,402$117
EX Coupe$1,414$118
EX-L Sedan$1,446$121
EX-L Navigation Hatchback$1,492$124
Touring Coupe$1,492$124
Touring Sedan$1,492$124
SI Coupe$1,524$127
Touring Hatchback$1,524$127
Type-R Hatchback$1,618$135
Sport Touring Hatchback$1,638$137

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 May 5, 2023
2019 Honda Civic Insurance Cost by Trim Level

2018 Honda Civic insurance rates

2018 Honda Civic insurance rates average $1,446 per year, or around $121 per month. Cost ranges from $1,218 per year for the Civic SI Sedan to $1,600 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$1,218$102
LX Coupe$1,332$111
EX-T Coupe$1,374$115
LX-P Coupe$1,374$115
LX Sedan$1,392$116
Type-R Hatchback$1,392$116
EX-L Coupe$1,420$118
LX Hatchback$1,420$118
EX Sedan$1,434$120
EX-T Sedan$1,434$120
LX Honda Sensing Sedan$1,434$120
Sport Hatchback$1,458$122
EX Hatchback$1,480$123
EX Honda Sensing Sedan$1,480$123
EX-T Honda Sensing Sedan$1,480$123
EX-TL Sedan$1,480$123
SI Coupe$1,488$124
Touring Coupe$1,494$125
EX-TL Honda Sensing Sedan$1,524$127
EX-L Hatchback$1,546$129
Touring Sedan$1,568$131
Sport Touring Hatchback$1,600$133

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 May 5, 2023
2018 Honda Civic Insurance Cost by Trim Level

2017 Honda Civic insurance rates

A 2017 Honda Civic costs an average of $1,382 per year for full coverage insurance, or around $115 per month. Rates range from $1,128 per year for the Civic SI Sedan to $1,546 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$1,128$94
LX Coupe$1,290$108
LX-P Coupe$1,290$108
EX Coupe$1,332$111
Type-R Touring Hatchback$1,336$111
LX Hatchback$1,350$113
LX Sedan$1,350$113
EX-L Coupe$1,372$114
EX Sedan$1,394$116
SI Coupe$1,394$116
Sport Hatchback$1,394$116
EX-L Sedan$1,428$119
EX Hatchback$1,434$120
Touring Coupe$1,442$120
EX-L Hatchback$1,476$123
Touring Sedan$1,516$126
Sport Touring Hatchback$1,546$129

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 May 5, 2023
2017 Honda Civic Insurance Cost by Trim Level

2016 Honda Civic insurance rates

The average cost for 2016 Honda Civic insurance is $1,310 per year, or around $109 per month. Rates range from $1,234 per year for the Civic LX Sedan to $1,388 for the Civic Touring Coupe.

2016 Honda Civic Insurance Cost by Trim Level
2016 Honda Civic Trim Level Annual Rate Per Month
LX Sedan$1,234$103
LX Coupe$1,246$104
EX Sedan$1,280$107
EX-T Sedan$1,300$108
EX-TL Sedan$1,320$110
EX-L Coupe$1,322$110
EX-T Coupe$1,322$110
LX-P Coupe$1,322$110
Touring Sedan$1,376$115
Touring Coupe$1,388$116

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 May 5, 2023
2016 Honda Civic Insurance Cost by Trim Level

2015 Honda Civic insurance rates

Insurance rates average $1,210 per year for a 2015 Honda Civic, or around $101 per month. Rates range from $1,092 per year for the Civic LX Sedan to $1,328 for the Civic SI Coupe.

2015 Honda Civic Insurance Cost by Trim Level
2015 Honda Civic Trim Level Annual Rate Per Month
LX Sedan$1,092$91
SE Sedan$1,092$91
EX Sedan$1,126$94
HF Sedan$1,126$94
EX-L Sedan$1,162$97
SI Sedan$1,162$97
CNG Sedan$1,208$101
LX Coupe$1,260$105
Hybrid L Sedan$1,278$107
Hybrid Sedan$1,284$107
EX Coupe$1,290$108
EX-L Coupe$1,328$111
SI Coupe$1,328$111

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 May 5, 2023
2015 Honda Civic Insurance Cost by Trim Level

2014 Honda Civic insurance rates

Average insurance cost for a 2014 Honda Civic is $1,136 per year, or around $95 per month. Rates range from $1,048 per year for the Civic HF Sedan to $1,226 for the Civic Hybrid Sedan.

2014 Honda Civic Insurance Cost by Trim Level
2014 Honda Civic Trim Level Annual Rate Per Month
HF Sedan$1,048$87
LX Sedan$1,048$87
EX Sedan$1,080$90
EX-L Sedan$1,114$93
LX Coupe$1,114$93
SI Sedan$1,114$93
EX Coupe$1,146$96
CNG Sedan$1,158$97
Sedan$1,158$97
EX-L Coupe$1,180$98
SI Coupe$1,180$98
Hybrid L Sedan$1,226$102
Hybrid Sedan$1,226$102

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 May 5, 2023
2014 Honda Civic Insurance Cost by Trim Level

2013 Honda Civic insurance rates

Insurance cost for a 2013 Honda Civic averages $1,128 per year, or about $94 per month. Rates range from $1,052 per year for the Civic LX Sedan to $1,210 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 Sedan$1,052$88
LX Coupe$1,054$88
EX Sedan$1,084$90
HF Sedan$1,084$90
EX-L Sedan$1,114$93
SI Sedan$1,114$93
EX Coupe$1,126$94
EX-L Coupe$1,156$96
SI Coupe$1,156$96
CNG Sedan$1,176$98
Hybrid Sedan$1,210$101
Hybrid w/Navigation Sedan$1,210$101

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 May 5, 2023
2013 Honda Civic Insurance Cost by Trim Level

Honda Civic insurance cost for teenage drivers

Average car insurance rates for teenagers on a 2023 Honda Civic range from a low of $4,324 per year for a 19-year-old female driver to a high of $6,198 for a 16-year-old male driver.

Honda Civic insurance for a 17-year-old driver costs an average of $5,776 for males and $5,144 for females. After turning 18, insurance rates drop a little, averaging $5,390 for males and $4,674 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 2023 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Teenage driver rates are for a 2023 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 May 5, 2023
Honda Civic Insurance Rates for Teenagers
Honda Civic Insurance Cost for Teenage Drivers
Gender Driver Age 16 Age 17 Age 18 Age 19
Male$6,198$5,776$5,390$4,866
Female$5,460$5,144$4,674$4,324

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 $3,668 per year instead of $5,390 for a new 2023 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 $2,210 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.