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 $1,622 per year to insure, or around $135 per month. This is $53 less than the segment average rate of $1,675.
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 $430 per year: $1,410 compared to $1,840.
This policy savings difference is even larger as driver age decreases. If the rated driver is twenty, the price difference will be $814 per year: $2,826 compared to $3,640.
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 $614 more per year than a $1,000 deductible for the forty-year-old, and $1,184 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.
| Policy Coverage | 2016 Honda Civic | 2016 All Vehicle Average | Difference |
|---|---|---|---|
| Comprehensive | $396 | $452 | -13.2% |
| Collision | $532 | $802 | -40.5% |
| Liability | $472 | $452 | 4.3% |
| Med/PIP Other | $222 | $214 | 3.7% |
| Total Policy Cost | $1,622 | $1,920 | -16.8% |
Lower than average cost Higher than average cost
Data Methodology: Rated driver is a 40-year-old male with no driving violations or at-fault accidents in the prior three years. Coverage premiums are averaged for all trim levels available for the 2016 Honda Civic. Updated October 24, 2025
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 $1,522 per year.
The most expensive 2016 model to insure is the Touring Coupe at $1,720 per year.
$198 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 $594 rather than the $198 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 $823 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 Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| LX Sedan | $1,522 | $127 |
| LX Coupe | $1,538 | $128 |
| EX Sedan | $1,580 | $132 |
| EX-T Sedan | $1,606 | $134 |
| EX-TL Sedan | $1,630 | $136 |
| EX-L Coupe | $1,638 | $137 |
| EX-T Coupe | $1,638 | $137 |
| LX-P Coupe | $1,638 | $137 |
| Touring Sedan | $1,704 | $142 |
| Touring Coupe | $1,720 | $143 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Updated October 24, 2025
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 $48 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 $80 more per year to insure than the Hyundai Accent
- The Civic costs $182 less per year to insure than the Hyundai Elantra - View full comparison
- The Civic costs $144 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 15th 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.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Smart Fortwo | $1,284 | -$338 |
| 2 | Chrysler Fiat 500 | $1,396 | -$226 |
| 3 | Honda Fit | $1,420 | -$202 |
| 4 | Toyota Yaris | $1,426 | -$196 |
| 5 | Nissan Versa | $1,428 | -$194 |
| 6 | Ford Fiesta | $1,440 | -$182 |
| 7 | Subaru Impreza | $1,508 | -$114 |
| 8 | Scion IM | $1,522 | -$100 |
| 9 | Chevrolet Spark | $1,536 | -$86 |
| 10 | Hyundai Accent | $1,542 | -$80 |
| 11 | Volkswagen Golf | $1,552 | -$70 |
| 12 | Mazda 3 | $1,574 | -$48 |
| 13 | Scion IA | $1,578 | -$44 |
| 14 | Honda CR-Z | $1,612 | -$10 |
| 15 | Honda Civic | $1,622 | -- |
| 16 | Nissan Sentra | $1,630 | $8 |
| 17 | Kia Rio | $1,650 | $28 |
| 18 | Toyota Corolla | $1,670 | $48 |
| 2016 Small Car Average | $1,675 | $53 | |
| 19 | Nissan Leaf | $1,678 | $56 |
| 20 | Toyota Prius | $1,682 | $60 |
| 21 | Hyundai Veloster | $1,690 | $68 |
| 22 | Chevrolet Sonic | $1,710 | $88 |
| 23 | Volkswagen Beetle | $1,732 | $110 |
| 24 | Volkswagen GTI | $1,744 | $122 |
| 25 | Chevrolet Volt | $1,746 | $124 |
| 26 | Chevrolet Cruze | $1,754 | $132 |
| 27 | Volkswagen EOS | $1,756 | $134 |
| 28 | Kia Forte | $1,766 | $144 |
| 29 | Ford Focus | $1,786 | $164 |
| 30 | Hyundai Elantra | $1,804 | $182 |
| 31 | Scion FR-S | $1,820 | $198 |
| 32 | Mitsubishi Lancer | $1,882 | $260 |
| 33 | Volkswagen E-Golf | $1,898 | $276 |
| 34 | Volkswagen Jetta | $1,970 | $348 |
| 35 | Dodge Dart | $2,016 | $394 |
| 36 | Scion TC | $2,070 | $448 |
| 37 | Toyota Mirai | $2,084 | $462 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model. Updated October 24, 2025
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 18th in the segment with an average annual rate of $1,670 per year. When this value is compared to the Honda Civic, which has an average rate of $1,622 per year, the average rate for the Toyota Corolla costs $48 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 16.8% less for the Civic than the national average rate of $1,920 per year.