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.

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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 $1,498 a year for full coverage, or about $125 on a monthly basis. With the average small car costing $1,557 a year to insure, the Civic is around $59 cheaper.

Average car insurance cost per month for a Honda Civic ranges from $116 to $137, 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.

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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 April 14, 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$2,534$211
$500$2,962$247
$250$3,412$284
30$1,000$1,328$111
$500$1,574$131
$250$1,826$152
40$1,000$1,276$106
$500$1,498$125
$250$1,730$144
50$1,000$1,162$97
$500$1,362$114
$250$1,568$131
60$1,000$1,142$95
$500$1,336$111
$250$1,540$128

The overall average rate in the chart above is the $500 deductible policy for a 40-year-old driver which costs $1,498 per year, or $125 per month. Depending on the Civic trim level being insured, monthly car insurance rates range from $116 to $137, 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 $12 more per year than the Toyota Corolla, $208 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 $1,498 per year, while the compact car segment averages $1,557 per year for full coverage insurance.

When compared to all 2022 model year vehicles (not just compact cars), Honda Civic insurance costs 3.4% less than the national average car insurance rate of $1,551 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.

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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 March 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$1,312-$186
2Chevrolet Spark$1,320-$178
3Volkswagen Golf$1,456-$42
4Volkswagen Jetta$1,470-$28
5Nissan Sentra$1,476-$22
6Toyota Corolla$1,486-$12
7Kia Rio$1,494-$4
8Honda Civic$1,498--
9Mazda 3$1,500$2
10Toyota Prius$1,512$14
11Hyundai Accent$1,530$32
12Hyundai Veloster$1,546$48
13Kia Forte$1,550$52
14Nissan Leaf$1,616$118
15Hyundai Ioniq$1,620$122
16Honda Clarity$1,666$168
17Hyundai Elantra$1,706$208
18Nissan Versa$1,708$210
19Mitsubishi Mirage G4$1,714$216
20Toyota Mirai$1,956$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 $1,392 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 $1,416, and the third cheapest trim level is the Sport at $1,428 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 $1,640 per year.

2022 Honda Civic Insurance Cost by Trim Level
Honda Civic Trim Level Annual Policy 6-month Policy Per Month
LX$1,392$696$116
LX Hatchback$1,416$708$118
Sport$1,428$714$119
Sport Hatchback$1,450$725$121
EX$1,460$730$122
EX-L Hatchback$1,492$746$124
Si$1,498$749$125
Si HPT$1,500$750$125
Touring$1,598$799$133
Sport Touring Hatchback$1,614$807$135
Type R$1,640$820$137

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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 March 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 $1,498.

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 $1,350 per year, or around $113 per month. Rates range from $1,218 per year for the Civic LX Sedan to $1,662 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$1,218$102
LX Hatchback$1,240$103
Sport Sedan$1,264$105
EX Sedan$1,286$107
Sport Hatchback$1,286$107
LX Coupe$1,330$111
EX Hatchback$1,332$111
EX-L Navi Hatchback$1,332$111
EX-L Sedan$1,332$111
EX Coupe$1,376$115
Touring Sedan$1,452$121
Touring Hatchback$1,484$124
Sport Touring Hatchback$1,662$139

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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 20, 2022
2021 Honda Civic Insurance Cost by Trim Level

2020 Honda Civic insurance rates

Average insurance rates for a 2020 Honda Civic are $1,334 per year, or around $111 per month. Rates range from $1,198 per year for the Civic LX Sedan to $1,632 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$1,198$100
LX Hatchback$1,218$102
Sport Sedan$1,240$103
EX Sedan$1,262$105
Sport Hatchback$1,262$105
SI Sedan$1,280$107
EX-L Navi Hatchback$1,306$109
EX-L Sedan$1,306$109
LX Coupe$1,306$109
EX Hatchback$1,306$109
Sport Coupe$1,330$111
EX Coupe$1,352$113
Touring Coupe$1,398$117
SI Coupe$1,424$119
Touring Sedan$1,424$119
Touring Hatchback$1,454$121
Sport Touring Hatchback$1,632$136

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 February 20, 2022
2020 Honda Civic Insurance Cost by Trim Level

2019 Honda Civic insurance rates

Insurance rates for a 2019 Honda Civic average $1,314 per year, or about $110 per month. Rates range from $1,146 per year for the Civic SI Sedan to $1,496 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$1,146$96
LX Hatchback$1,236$103
LX Sedan$1,236$103
LX Coupe$1,248$104
Sport Coupe$1,248$104
Sport Sedan$1,258$105
EX Hatchback$1,278$107
EX Sedan$1,278$107
Sport Hatchback$1,278$107
EX Coupe$1,290$108
EX-L Sedan$1,320$110
EX-L Navigation Hatchback$1,362$114
Touring Coupe$1,362$114
Touring Sedan$1,362$114
SI Coupe$1,392$116
Touring Hatchback$1,392$116
Type-R Hatchback$1,480$123
Sport Touring Hatchback$1,496$125

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 20, 2022
2019 Honda Civic Insurance Cost by Trim Level

2018 Honda Civic insurance rates

2018 Honda Civic insurance rates average $1,320 per year, or around $110 per month. Cost ranges from $1,118 per year for the Civic SI Sedan to $1,464 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$1,118$93
LX Coupe$1,218$102
LX-P Coupe$1,258$105
EX-T Coupe$1,258$105
LX Sedan$1,272$106
Type-R Hatchback$1,282$107
LX Hatchback$1,298$108
EX-L Coupe$1,298$108
EX-T Sedan$1,312$109
LX Honda Sensing Sedan$1,312$109
EX Sedan$1,312$109
Sport Hatchback$1,332$111
EX-TL Sedan$1,352$113
EX-T Honda Sensing Sedan$1,352$113
EX Honda Sensing Sedan$1,352$113
EX Hatchback$1,352$113
SI Coupe$1,362$114
Touring Coupe$1,368$114
EX-TL Honda Sensing Sedan$1,394$116
EX-L Hatchback$1,414$118
Touring Sedan$1,434$120
Sport Touring Hatchback$1,464$122

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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 20, 2022
2018 Honda Civic Insurance Cost by Trim Level

2017 Honda Civic insurance rates

A 2017 Honda Civic costs an average of $1,274 per year for full coverage insurance, or around $106 per month. Rates range from $1,050 per year for the Civic SI Sedan to $1,428 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$1,050$88
LX Coupe$1,190$99
LX-P Coupe$1,190$99
EX Coupe$1,228$102
LX Hatchback$1,244$104
LX Sedan$1,244$104
Type-R Touring Hatchback$1,244$104
EX-L Coupe$1,268$106
EX Sedan$1,284$107
Sport Hatchback$1,284$107
SI Coupe$1,288$107
EX-L Sedan$1,318$110
EX Hatchback$1,324$110
Touring Coupe$1,334$111
EX-L Hatchback$1,360$113
Touring Sedan$1,400$117
Sport Touring Hatchback$1,428$119

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 20, 2022
2017 Honda Civic Insurance Cost by Trim Level

2016 Honda Civic insurance rates

Average car insurance cost for a 2016 Honda Civic is $1,204 per year, or around $100 per month. Rates range from $1,130 per year for the Civic LX Sedan to $1,278 for the Civic Touring Coupe.

2016 Honda Civic Insurance Cost by Trim Level
2016 Honda Civic Trim Level Annual Rate Per Month
LX Sedan$1,130$94
LX Coupe$1,142$95
EX Sedan$1,174$98
EX-T Sedan$1,194$100
EX-TL Sedan$1,210$101
EX-L Coupe$1,216$101
EX-T Coupe$1,216$101
LX-P Coupe$1,216$101
Touring Sedan$1,268$106
Touring Coupe$1,278$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 February 20, 2022
2016 Honda Civic Insurance Cost by Trim Level

2015 Honda Civic insurance rates

Insurance rates average $1,124 per year for a 2015 Honda Civic, or around $94 per month. Rates range from $1,006 per year for the Civic SE Sedan to $1,240 for the Civic SI Coupe.

2015 Honda Civic Insurance Cost by Trim Level
2015 Honda Civic Trim Level Annual Rate Per Month
SE Sedan$1,006$84
LX Sedan$1,006$84
EX Sedan$1,042$87
HF Sedan$1,042$87
EX-L Sedan$1,076$90
SI Sedan$1,076$90
CNG Sedan$1,124$94
LX Coupe$1,172$98
Hybrid L Sedan$1,198$100
Hybrid Sedan$1,198$100
EX Coupe$1,206$101
EX-L Coupe$1,240$103
SI Coupe$1,240$103

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 20, 2022
2015 Honda Civic Insurance Cost by Trim Level

2014 Honda Civic insurance rates

Average insurance cost for a 2014 Honda Civic is $1,050 per year, or around $88 per month. Rates range from $964 per year for the Civic HF Sedan to $1,134 for the Civic Hybrid Sedan.

2014 Honda Civic Insurance Cost by Trim Level
2014 Honda Civic Trim Level Annual Rate Per Month
HF Sedan$964$80
LX Sedan$964$80
EX Sedan$994$83
EX-L Sedan$1,026$86
LX Coupe$1,026$86
SI Sedan$1,026$86
EX Coupe$1,058$88
CNG Sedan$1,068$89
Sedan$1,068$89
EX-L Coupe$1,090$91
SI Coupe$1,090$91
Hybrid L Sedan$1,134$95
Hybrid Sedan$1,134$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 February 20, 2022
2014 Honda Civic Insurance Cost by Trim Level

2013 Honda Civic insurance rates

Insurance cost for a 2013 Honda Civic averages $1,036 per year, or about $86 per month. Rates range from $964 per year for the Civic LX Coupe to $1,114 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$964$80
LX Sedan$964$80
EX Sedan$994$83
HF Sedan$994$83
EX-L Sedan$1,022$85
SI Sedan$1,022$85
EX Coupe$1,034$86
EX-L Coupe$1,062$89
SI Coupe$1,062$89
CNG Sedan$1,082$90
Hybrid Sedan$1,114$93
Hybrid w/Navigation Sedan$1,114$93

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 20, 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 $3,382 per year for a 19-year-old female driver to a high of $4,864 for a 16-year-old male driver.

Honda Civic insurance for a 17-year-old driver costs an average of $4,526 for males and $4,034 for females. After turning 18, insurance rates drop a little, averaging $4,220 for males and $3,660 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 March 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$5,386$5,012$4,676$4,218
Female$4,744$4,466$4,054$3,750