Honda Civic Insurance Cost for 2023

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?

Ranked eighth out of 15 vehicles in the 2023 compact car class, Honda Civic insurance costs an average $1,728 a year for full coverage, or about $144 on a monthly basis. With the average small car costing $1,757 a year to insure, the Civic is around $29 cheaper.

Average car insurance cost per month for a Honda Civic ranges from $134 to $159, with the Sport being cheapest and the Type R costing the most to insure.

The chart below details 2023 Honda Civic insurance cost for different ages of drivers and also different 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 January 23, 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. Depending on the Civic trim level being insured, monthly car insurance rates range from $134 to $159, with the Civic Sport 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 $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.

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. Average car insurance cost for the Civic is $1,728 per year, while the compact car segment averages $1,757 per year for full coverage insurance.

When compared to all 2023 model year vehicles (not just compact cars), Honda Civic insurance costs 2.6% more than the national average car insurance rate of $1,685 per year.

The chart below shows how well 2023 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.

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Chart Data Details: Average rates are for a 2023 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 January 23, 2023
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$1,462-$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
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 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 $24,650 Sport trim level costing an average of $1,612 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 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

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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 February 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.

How much does Honda Civic Si insurance cost?

Insurance for the 2022 Honda Civic Si ranges from about $1,150 per year for the 2013 model to around $1,640 for the 2022 Civic Si. Insurance for the 2022 Civic Si averages about $1,640.

The Civic Si was not produced for the 2023, 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 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

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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 February 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

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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 February 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

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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 February 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 February 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

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

2016 Honda Civic insurance rates

Average car insurance cost for a 2016 Honda Civic 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 February 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 February 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 February 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 February 5, 2023
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 $3,736 per year for a 19-year-old female driver to a high of $5,382 for a 16-year-old male driver.

Honda Civic insurance for a 17-year-old driver costs an average of $5,002 for males and $4,460 for females. After turning 18, insurance rates drop a little, averaging $4,662 for males and $4,044 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.

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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 January 23, 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