- Insurance on a 2023 Honda Civic insurance averages $1,772 per year, or $148 per month, and ranges from $1,656 for the Sport trim level up to $1,954 for the Type R model.
- The 2023 Honda Civic is one of the cheaper compact cars to insure, costing $32 less per year on average as compared to the rest of the cars in the segment.
- The Civic ranks eighth out of 15 comparison vehicles in the 2023 compact car class for insurance affordability.
- Companies with the best price on Honda Civic insurance include Progressive, GEICO, and Safeco.
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 $1,804 a year to insure, so the Civic is around $32 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 $138 to $163 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.
The overall average rate in the chart above is the $500 deductible policy for a 40-year-old driver which costs $1,772 per year, or $148 per month.
Rates are higher for younger drivers, with the average rate for a 20-year-old driver being $3,506 per year, which is about $292 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, $206 less than the Hyundai Elantra, $118 less than the Volkswagen Jetta, and $90 less than the Nissan Sentra.
As mentioned earlier, the Civic ranks eighth out of 15 total vehicles in the 2023 compact car segment, costing $32 less per year on average to insure than the rest of the class. The average car insurance cost for the Civic is $1,772 per year, while the 2023 compact car segment averages $1,804 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 $1,948 per year.
The chart below shows how well 2023 Honda Civic insurance cost compares to ten other top-selling small cars in America.
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.
| Policy Coverage | 2023 Honda Civic | 2023 All Vehicle Average | Difference |
|---|---|---|---|
| Comprehensive | $442 | $482 | -8.7% |
| Collision | $726 | $908 | -22.3% |
| Liability | $424 | $392 | 7.8% |
| Med/PIP Other | $180 | $166 | 8.1% |
| Total Policy Cost | $1,772 | $1,948 | -9.5% |
Lower than average cost Higher than average cost
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 $1,656 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 $1,676, and the third cheapest trim level is the EX at $1,694 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 $1,954 per year.
| Honda Civic Trim Level | Annual Policy | Six-Month Policy | Per Month |
|---|---|---|---|
| Sport | $1,656 | $828 | $138 |
| Sport Hatchback | $1,676 | $838 | $140 |
| EX | $1,694 | $847 | $141 |
| EX-L Hatchback | $1,734 | $867 | $145 |
| Si | $1,742 | $871 | $145 |
| Touring | $1,860 | $930 | $155 |
| Sport Touring Hatchback | $1,876 | $938 | $156 |
| Type R | $1,954 | $977 | $163 |
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 $1,526 per year, followed by GEICO at $1,595 and Safeco at $1,632.
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.
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 $1,682 per year, or approximately $140 per month. Cost ranges from $1,568 per year for the Civic LX to $1,834 for the Civic Type R.
| 2022 Honda Civic Trim Level | Annual Rate | Per Month |
|---|---|---|
| LX | $1,568 | $131 |
| LX Hatchback | $1,594 | $133 |
| Sport | $1,606 | $134 |
| Sport Hatchback | $1,630 | $136 |
| EX | $1,644 | $137 |
| EX-L Hatchback | $1,678 | $140 |
| Si | $1,684 | $140 |
| Si HPT | $1,686 | $141 |
| Touring | $1,790 | $149 |
| Sport Touring Hatchback | $1,814 | $151 |
| Type R | $1,834 | $153 |
2021 Honda Civic insurance rates
Average insurance rates for a 2021 Honda Civic are $1,526 per year, or around $127 per month. Rates range from $1,376 per year for the Civic LX Sedan to $1,882 for the Civic Sport Touring Hatchback.
| 2021 Honda Civic Trim Level | Annual Rate | Per Month |
|---|---|---|
| LX Sedan | $1,376 | $115 |
| LX Hatchback | $1,400 | $117 |
| Sport Sedan | $1,424 | $119 |
| EX Sedan | $1,450 | $121 |
| Sport Hatchback | $1,450 | $121 |
| EX Hatchback | $1,500 | $125 |
| EX-L Navi Hatchback | $1,500 | $125 |
| EX-L Sedan | $1,500 | $125 |
| LX Coupe | $1,506 | $126 |
| EX Coupe | $1,554 | $130 |
| Touring Sedan | $1,640 | $137 |
| Touring Hatchback | $1,676 | $140 |
| Sport Touring Hatchback | $1,882 | $157 |
2020 Honda Civic insurance rates
Average insurance rates for a 2020 Honda Civic are $1,514 per year, or around $126 per month. Rates range from $1,356 per year for the Civic LX Sedan to $1,860 for the Civic Sport Touring Hatchback.
| 2020 Honda Civic Trim Level | Annual Rate | Per Month |
|---|---|---|
| LX Sedan | $1,356 | $113 |
| LX Hatchback | $1,382 | $115 |
| Sport Sedan | $1,406 | $117 |
| EX Sedan | $1,430 | $119 |
| Sport Hatchback | $1,430 | $119 |
| SI Sedan | $1,452 | $121 |
| EX Hatchback | $1,480 | $123 |
| EX-L Navi Hatchback | $1,480 | $123 |
| EX-L Sedan | $1,480 | $123 |
| LX Coupe | $1,486 | $124 |
| Sport Coupe | $1,510 | $126 |
| EX Coupe | $1,534 | $128 |
| Touring Coupe | $1,590 | $133 |
| SI Coupe | $1,618 | $135 |
| Touring Sedan | $1,618 | $135 |
| Touring Hatchback | $1,652 | $138 |
| Sport Touring Hatchback | $1,860 | $155 |
2019 Honda Civic insurance rates
Insurance rates for a 2019 Honda Civic average $1,478 per year, or about $123 per month. Rates range from $1,282 per year for the Civic SI Sedan to $1,684 for the Civic Sport Touring Hatchback.
| 2019 Honda Civic Trim Level | Annual Rate | Per Month |
|---|---|---|
| SI Sedan | $1,282 | $107 |
| LX Hatchback | $1,392 | $116 |
| LX Sedan | $1,392 | $116 |
| LX Coupe | $1,406 | $117 |
| Sport Coupe | $1,406 | $117 |
| Sport Sedan | $1,414 | $118 |
| EX Hatchback | $1,440 | $120 |
| EX Sedan | $1,440 | $120 |
| Sport Hatchback | $1,440 | $120 |
| EX Coupe | $1,454 | $121 |
| EX-L Sedan | $1,486 | $124 |
| EX-L Navigation Hatchback | $1,534 | $128 |
| Touring Coupe | $1,534 | $128 |
| Touring Sedan | $1,534 | $128 |
| SI Coupe | $1,566 | $131 |
| Touring Hatchback | $1,566 | $131 |
| Type-R Hatchback | $1,662 | $139 |
| Sport Touring Hatchback | $1,684 | $140 |
2018 Honda Civic insurance rates
2018 Honda Civic insurance rates average $1,488 per year, or around $124 per month. Cost ranges from $1,248 per year for the Civic SI Sedan to $1,644 for the Civic Sport Touring Hatchback.
| 2018 Honda Civic Trim Level | Annual Rate | Per Month |
|---|---|---|
| SI Sedan | $1,248 | $104 |
| LX Coupe | $1,368 | $114 |
| EX-T Coupe | $1,414 | $118 |
| LX-P Coupe | $1,414 | $118 |
| Type-R Hatchback | $1,430 | $119 |
| LX Sedan | $1,432 | $119 |
| EX-L Coupe | $1,458 | $122 |
| LX Hatchback | $1,460 | $122 |
| EX Sedan | $1,478 | $123 |
| EX-T Sedan | $1,478 | $123 |
| LX Honda Sensing Sedan | $1,478 | $123 |
| Sport Hatchback | $1,500 | $125 |
| EX Hatchback | $1,522 | $127 |
| EX Honda Sensing Sedan | $1,522 | $127 |
| EX-T Honda Sensing Sedan | $1,522 | $127 |
| EX-TL Sedan | $1,522 | $127 |
| SI Coupe | $1,528 | $127 |
| Touring Coupe | $1,536 | $128 |
| EX-TL Honda Sensing Sedan | $1,568 | $131 |
| EX-L Hatchback | $1,590 | $133 |
| Touring Sedan | $1,612 | $134 |
| Sport Touring Hatchback | $1,644 | $137 |
2017 Honda Civic insurance rates
A 2017 Honda Civic costs an average of $1,418 per year for full coverage insurance, or around $118 per month. Rates range from $1,156 per year for the Civic SI Sedan to $1,588 for the Civic Sport Touring Hatchback.
| 2017 Honda Civic Trim Level | Annual Rate | Per Month |
|---|---|---|
| SI Sedan | $1,156 | $96 |
| LX Coupe | $1,328 | $111 |
| LX-P Coupe | $1,328 | $111 |
| EX Coupe | $1,368 | $114 |
| Type-R Touring Hatchback | $1,370 | $114 |
| LX Hatchback | $1,390 | $116 |
| LX Sedan | $1,390 | $116 |
| EX-L Coupe | $1,410 | $118 |
| EX Sedan | $1,430 | $119 |
| Sport Hatchback | $1,430 | $119 |
| SI Coupe | $1,432 | $119 |
| EX-L Sedan | $1,468 | $122 |
| EX Hatchback | $1,474 | $123 |
| Touring Coupe | $1,484 | $124 |
| EX-L Hatchback | $1,516 | $126 |
| Touring Sedan | $1,558 | $130 |
| Sport Touring Hatchback | $1,588 | $132 |
2016 Honda Civic insurance rates
The average cost for 2016 Honda Civic insurance is $1,348 per year, or around $112 per month. Rates range from $1,268 per year for the Civic LX Sedan to $1,430 for the Civic Touring Coupe.
| 2016 Honda Civic Trim Level | Annual Rate | Per Month |
|---|---|---|
| LX Sedan | $1,268 | $106 |
| LX Coupe | $1,280 | $107 |
| EX Sedan | $1,316 | $110 |
| EX-T Sedan | $1,336 | $111 |
| EX-TL Sedan | $1,356 | $113 |
| EX-L Coupe | $1,362 | $114 |
| EX-T Coupe | $1,362 | $114 |
| LX-P Coupe | $1,362 | $114 |
| Touring Sedan | $1,418 | $118 |
| Touring Coupe | $1,430 | $119 |
2015 Honda Civic insurance rates
Insurance rates average $1,242 per year for a 2015 Honda Civic, or around $104 per month. Rates range from $1,120 per year for the Civic LX Sedan to $1,364 for the Civic SI Coupe.
| 2015 Honda Civic Trim Level | Annual Rate | Per Month |
|---|---|---|
| LX Sedan | $1,120 | $93 |
| SE Sedan | $1,120 | $93 |
| EX Sedan | $1,158 | $97 |
| HF Sedan | $1,158 | $97 |
| EX-L Sedan | $1,192 | $99 |
| SI Sedan | $1,192 | $99 |
| CNG Sedan | $1,242 | $104 |
| LX Coupe | $1,298 | $108 |
| Hybrid L Sedan | $1,310 | $109 |
| Hybrid Sedan | $1,318 | $110 |
| EX Coupe | $1,326 | $111 |
| EX-L Coupe | $1,364 | $114 |
| SI Coupe | $1,364 | $114 |
2014 Honda Civic insurance rates
Average insurance cost for a 2014 Honda Civic is $1,168 per year, or around $97 per month. Rates range from $1,074 per year for the Civic HF Sedan to $1,258 for the Civic Hybrid Sedan.
| 2014 Honda Civic Trim Level | Annual Rate | Per Month |
|---|---|---|
| HF Sedan | $1,074 | $90 |
| LX Sedan | $1,074 | $90 |
| EX Sedan | $1,110 | $93 |
| EX-L Sedan | $1,142 | $95 |
| LX Coupe | $1,142 | $95 |
| SI Sedan | $1,142 | $95 |
| EX Coupe | $1,178 | $98 |
| CNG Sedan | $1,188 | $99 |
| Sedan | $1,188 | $99 |
| EX-L Coupe | $1,210 | $101 |
| SI Coupe | $1,210 | $101 |
| Hybrid L Sedan | $1,258 | $105 |
| Hybrid Sedan | $1,258 | $105 |
2013 Honda Civic insurance rates
Insurance cost for a 2013 Honda Civic averages $1,158 per year, or about $97 per month. Rates range from $1,080 per year for the Civic LX Coupe to $1,242 for the Civic Hybrid w/Navigation Sedan.
| 2013 Honda Civic Trim Level | Annual Rate | Per Month |
|---|---|---|
| LX Coupe | $1,080 | $90 |
| LX Sedan | $1,080 | $90 |
| EX Sedan | $1,112 | $93 |
| HF Sedan | $1,112 | $93 |
| EX-L Sedan | $1,144 | $95 |
| SI Sedan | $1,144 | $95 |
| EX Coupe | $1,156 | $96 |
| EX-L Coupe | $1,188 | $99 |
| SI Coupe | $1,188 | $99 |
| CNG Sedan | $1,210 | $101 |
| Hybrid Sedan | $1,242 | $104 |
| Hybrid w/Navigation Sedan | $1,242 | $104 |
Honda Civic insurance cost for teenage drivers
Average car insurance rates for teenagers on a 2023 Honda Civic range from a low of $4,438 per year for a 19-year-old female driver to a high of $6,366 for a 16-year-old male driver.
Honda Civic insurance for a 17-year-old driver costs an average of $5,930 for males and $5,278 for females. After turning 18, insurance rates drop a little, averaging $5,532 for males and $4,796 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.
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 $3,768 per year instead of $5,532 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 $2,268 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.