2016 Honda Civic Insurance: Affordable or Not?

How much are car insurance rates on a 2016 Honda Civic? What can you do to save money?

In this article, we not only take a look at the average price people pay for car insurance on a 2016 Civic, but also how the cost to insure a Civic ranks against similar vehicles.

Our rates are updated very frequently, but to see today’s rates, feel free to get free rate quotes. You may find a cheaper rate and there is never an obligation.

Is it cheap to insure a 2016 Honda Civic?

The 2016 Honda Civic isn’t the cheapest compact car to insure, but it doesn’t fare too bad as it averages $1,586 per year to insure, or around $132 per month. This is $50 less than the segment average rate of $1,636.

The cost summary chart below illustrates how Civic insurance rates change with a variety of driver ages and $250, $500, and $1,000 deductibles.

From the chart, you can see that for a forty-year-old driver with a good driving record, having $1,000 instead of $250 policy deductibles can save $418 per year: $1,380 compared to $1,798.

This policy savings difference is even larger as driver age decreases. If the rated driver is twenty, the price difference will be $792 per year: $2,758 compared to $3,550.

A lot of auto insurance providers offer deductibles even lower than $250.

The chart doesn’t show it, but a policy with $100 physical damage deductibles would cost $596 more per year than a $1,000 deductible for the forty-year-old, and $1,156 per year more if the driver is age twenty.

That’s a ton of money to spend just to have less out-of-pocket in the off-chance you have a claim. The primary reason we discuss deductibles and the difference in cost is that increasing your policy deductibles is a simple strategy to save money on car insurance.

This next table shows how specific policy coverages on the 2016 Civic compare to the cost of each coverage when averaged for all 2016 models.

The biggest savings come from a significantly lower collision coverage rate when compared to the average for all other 2016 vehicles. Liability rates are actually a bit higher than the average.

2016 Civic insurance rates by trim level

Besides driver risk and different levels of policy deductibles, which we covered in the first chart, another policy rating factor that has a significant impact on the rate you pay for Civic insurance is the trim level.

For most vehicles, the higher the cost of added options, the more it will also cost to insure.

The 2016 Civic trim level with the lowest-priced car insurance rate is the LX Sedan trim level, with an average cost of $1,490 per year.

The most expensive 2016 model to insure is the Touring Coupe at $1,682 per year.

$192 separates the most affordable Civic trim level to insure from the least affordable trim level.

When the rated driver has less driving experience, the rate difference between the lowest and highest rates can be even more.

If we change the driver to an 18-year-old, insurance prices on a 2016 Civic can ranges by $575 rather than the $192 range for a 40-year-old driver.

Factor in a distracted driving ticket and a traffic accident, and the cost difference between the most affordable Civic trim level to insure and the most expensive grows to $803 for the same 18-year-old driver.

The following table details the average cost to insure all 2016 Honda Civic models. Rates are included for both annual and semi-annual auto insurance policies, as well as a monthly budget amount.

2016 Honda Civic vs. other compact cars

If you’re looking at buying a 2016 Civic and want to know how insurance rates compare to similar models, the next section will be very useful.

When Honda Civic auto insurance rates are compared to other popular 2016 compact cars:

• The Civic costs $42 less per year to insure than the Toyota Corolla - View full comparison
• The Civic costs $114 more per year to insure than the Subaru Impreza - View full comparison
• The Civic costs $82 more per year to insure than the Hyundai Accent
• The Civic costs $174 less per year to insure than the Hyundai Elantra - View full comparison
• The Civic costs $138 less per year to insure than the Kia Forte - View full comparison

The 2016 Civic is a decent choice when it comes to car insurance as it’s one of the cheaper models to insure out of all small cars for that model year. It ranks above average when compared to similar vehicles, at 15^th place out of 37 autos in the 2016 compact car segment.

The table below demonstrates how Civic insurance rates compare to all other models in the 2016 model year small car category. The average rate for the Honda Civic is shown in light orange, while the average small car rate is highlighted in light blue.

As shown in the table, the difference column displays the difference in average cost for that model as compared to the rate for the Honda Civic. A green amount stands for a cheaper rate for that specific model, while red represents a higher rate.

Here is an example. The Toyota Corolla places 18^th in the segment with an average annual rate of $1,628 per year. When this value is compared to the Honda Civic, which has an average rate of $1,586 per year, the average rate for the Toyota Corolla costs $42 more per year, so the color is red.

Overall, it shouldn’t take too much work to find affordable insurance on a 2016 Civic.

When compared to all 2016 model year vehicles (not just compact cars), insurance costs 16.4% less for the Civic than the national average rate of $1,870 per year.