Honda Civic Car Insurance Quotes (2025)
Honda Civic drivers pay an average of $153 per month for car insurance.
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Written byAnna Baluch
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Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
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Edited byAshley Cox
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5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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Table of contents
The Honda Civic is one of the bestselling passenger cars in the U.S. because of its fuel efficiency, interior design, and standard technology.[1]
Civic drivers pay an average monthly cost of $106 for liability insurance and $200 for full coverage. If you’re interested in a Honda Civic or already own one, here’s how to find the most affordable car insurance rates for this popular sedan.
Quick Facts
USAA, GEICO, and State Farm offer the lowest auto insurance rates for the Honda Civic.
Depending on the model year, Honda Civic insurance costs $48 to $246 per month for liability coverage, on average.
The 2024 and 2025 Honda Civic models were Top Safety Picks for the Insurance Institute for Highway Safety (IIHS).
Cost of Honda Civic insurance by model year
The average cost of Honda Civic insurance is $106 per month for liability coverage and $200 per month for full coverage, Insurify data shows. Compare these to the national averages of $105 per month for a liability policy and $196 per month for full coverage, and Honda Civic insurance is slightly more expensive, on average.
Various factors like your location, age, car safety features, model year, and more determine your Honda Civic insurance rate.[2] Check out Civic car insurance costs by model year in the table below.
Model Year  | Average Monthly Quote |
|---|---|
| 2025 | $212 |
| 2024 | $204 |
| 2023 | $206 |
| 2022 | $186 |
| 2021 | $167 |
| 2020 | $171 |
| 2019 | $166 |
| 2018 | $162 |
| 2017 | $159 |
| 2016 | $153 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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The 2025 Honda Civic LX has a starting MSRP of $25,400 and comes as a traditional sedan or a hatchback.[3] The Civic Si has a higher starting MSRP of $31,100. Check out car insurance quotes for this model year in the table below.
Insurance CompanyAverage Quote: Liability OnlyAverage Quote: Full CoverageUSAA $67 $140 GEICO $77 $166 State Farm $79 $167 Allstate $87 $186 American Family $100 $217 Nationwide $123 $257 Travelers $130 $272 Progressive $140 $216 Farmers $156 $330 Liberty Mutual $246 $353 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The MSRP for the 2024 Civic ranges from $25,100 for the LX trim level to $32,600 for the Civic Sport Touring. In the table below, you can see average car insurance quotes for the 2024 Civic from popular insurers.
Insurance CompanyAverage Quote: Liability OnlyAverage Quote: Full CoverageUSAA $65 $135 GEICO $74 $160 State Farm $76 $161 Allstate $84 $179 American Family $96 $209 Nationwide $118 $248 Travelers $125 $261 Progressive $135 $208 Farmers $150 $318 Liberty Mutual $237 $340 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The MSRP of the 2023 Honda Civic ranges from $24,845 to $32,345. The table below shows the average cost of insuring a 2023 Honda Civic with various companies.
Insurance CompanyAverage Quote: Liability OnlyAverage Quote: Full CoverageUSAA $65 $136 GEICO $75 $161 State Farm $76 $162 Allstate $85 $180 American Family $97 $211 Nationwide $119 $249 Travelers $126 $263 Progressive $136 $209 Farmers $151 $320 Liberty Mutual $238 $342 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Depending on the trim level, the 2022 Honda Civic cost you anywhere between $23,645 and $31,145. Here are the average costs from different companies for 2022 Honda Civic car insurance.
Insurance CompanyAverage Quote: Liability OnlyAverage Quote: Full CoverageUSAA $59 $122 GEICO $67 $145 State Farm $69 $146 Allstate $76 $162 American Family $87 $190 Nationwide $107 $225 Travelers $114 $237 Progressive $122 $189 Farmers $136 $289 Liberty Mutual $215 $309 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The original MSRP of the 2021 Honda Civic was $22,265 for the LX Sedan and $23,015 for the LX Hatchback. Start your search for coverage for your 2021 Honda Civic with the auto insurers in the table below.
Insurance CompanyAverage Quote: Liability OnlyAverage Quote: Full CoverageUSAA $53 $110 GEICO $61 $130 State Farm $62 $131 Allstate $69 $146 American Family $79 $171 Nationwide $97 $202 Travelers $102 $213 Progressive $110 $170 Farmers $122 $260 Liberty Mutual $193 $278 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2020 Honda Civic came with a starting MSRP of $21,755 for the LX Sedan, $22,005 for the LX Coupe, and $22,705 for the LX Hatchback.
Here are the cheapest car insurance companies for 2020 Honda Civic insurance.
Insurance CompanyAverage Quote: Liability OnlyAverage Quote: Full CoverageUSAA $54 $113 GEICO $62 $133 State Farm $63 $134 Allstate $70 $149 American Family $80 $175 Nationwide $99 $207 Travelers $105 $218 Progressive $113 $174 Farmers $125 $265 Liberty Mutual $198 $284 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2019 Honda Civic had a starting MSRP of $21,305 for the LX Sedan, all the way up to $29,705 for the Sport Touring hatchback. The table below shows average quotes for 2019 Honda Civic insurance.
Insurance CompanyAverage Quote: Liability OnlyAverage Quote: Full CoverageUSAA $53 $110 GEICO $60 $130 State Farm $62 $131 Allstate $68 $145 American Family $78 $170 Nationwide $96 $201 Travelers $102 $212 Progressive $110 $169 Farmers $122 $258 Liberty Mutual $192 $276 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
For the LX or the 2018 Honda Civic’s base trim, the MSRP was $20,635. The Sport Touring Hatchback had a starting MSRP of $29,645. The table below shows the average rates for 2018 Honda Civic car insurance from the cheapest companies.
Insurance CompanyAverage Quote: Liability OnlyAverage Quote: Full CoverageUSAA $51 $107 GEICO $59 $126 State Farm $60 $128 Allstate $66 $142 American Family $76 $166 Nationwide $94 $196 Travelers $99 $207 Progressive $107 $165 Farmers $119 $252 Liberty Mutual $187 $269 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The original MSRP for the 2017 Honda Civic was $20,430 for the LX model. The table below shows the average cost of insuring a 2017 Honda Civic with various insurers.
Insurance CompanyAverage Quote: Liability OnlyAverage Quote: Full CoverageUSAA $50 $105 GEICO $58 $124 State Farm $59 $125 Allstate $65 $139 American Family $75 $162 Nationwide $92 $192 Travelers $97 $203 Progressive $105 $161 Farmers $117 $247 Liberty Mutual $184 $264 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Depending on the trim and package, the 2016 Honda Civic cost between $20,275 and $27,335. Here are average quotes from different car insurance companies for the 2016 Honda Civic.
Insurance CompanyAverage Quote: Liability OnlyAverage Quote: Full CoverageUSAA $48 $100 GEICO $55 $119 State Farm $56 $120 Allstate $63 $133 American Family $72 $156 Nationwide $88 $184 Travelers $93 $195 Progressive $100 $155 Farmers $112 $237 Liberty Mutual $176 $253 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost of Honda insurance by state
Your location, including your ZIP code, has an effect on your car insurance rates. The chart below shows the average monthly cost of car insurance across all Honda models by state.
Full-Coverage Rates by State
State | Average Monthly Quote: Full Coverage |
|---|---|
| Alabama | $136 |
| Arizona | $167 |
| Arkansas | $246 |
| California | $231 |
| Colorado | $211 |
| Connecticut | $321 |
| Delaware | $236 |
| Florida | $220 |
| Georgia | $239 |
| Idaho | $120 |
| Illinois | $163 |
| Indiana | $138 |
| Iowa | $116 |
| Kansas | $158 |
| Kentucky | $208 |
| Louisiana | $212 |
| Maine | $144 |
| Maryland | $325 |
| Massachusetts | $171 |
| Michigan | $265 |
| Minnesota | $187 |
| Mississippi | $199 |
| Missouri | $185 |
| Montana | $159 |
| Nebraska | $168 |
| Nevada | $269 |
| New Hampshire | $108 |
| New Jersey | $171 |
| New Mexico | $152 |
| New York | $451 |
| North Carolina | $90 |
| North Dakota | $132 |
| Ohio | $124 |
| Oklahoma | $171 |
| Oregon | $154 |
| Pennsylvania | $166 |
| Rhode Island | $141 |
| South Carolina | $258 |
| South Dakota | $124 |
| Tennessee | $143 |
| Texas | $226 |
| Utah | $175 |
| Vermont | $145 |
| Virginia | $184 |
| Washington | $153 |
| District of Columbia | $329 |
| West Virginia | $150 |
| Wisconsin | $127 |
| Wyoming | $114 |
Source: Alaska and Hawaii omitted due to insufficient data.
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How to ensure you have enough coverage on your Honda Civic
Auto insurance rates from the top car insurance companies depend on how much car insurance you get and factors like your age, marital status, driving history, safety features, crash test ratings, and insurance company.
Here are several Honda Civic car insurance options you can explore:
Collision coverage
Collision coverage can apply if your vehicle hits another car or object, regardless of fault.
Comprehensive coverage
Comprehensive coverage protects you from non-collision events that damage your vehicle. A few examples include fires, floods, theft, or hitting an animal.
Personal injury protection (PIP) coverage
Personal injury protection coverage pays for your and your passengers’ medical expenses after an accident, regardless of fault.
Gap insurance
If you finance or lease your Honda, gap insurance covers the difference between the insurance settlement and your auto loan in the event of a total loss.
Rental car reimbursement
When your car is in the shop for repairs under a covered claim, this coverage pays for a rental car for you to drive in the meantime.
Honda Civic car insurance FAQs
If you’re in the market for Honda Civic insurance, this additional information might help you as you search for the lowest rates and best coverage.
USAA continually offers the most affordable premiums for Honda Civic owners. For the 2025 model, the average rate is $67 per month for minimum coverage. Because USAA only serves the military community, you may turn to GEICO and State Farm, two of the top car insurance companies for cheap rates.
Not really. Compared to similar vehicles on the market, Honda Civics come with affordable car insurance rates. This may be because of their moderate price points and high safety rankings from the National Highway Traffic Safety Administration (NHTSA) and the IIHS.
The average monthly cost of liability-only insurance for a Honda Civic is $106. A full-coverage policy runs an average of $200 per month. Keep in mind, your premiums will depend on the model year of your Civic and other factors like your ZIP code, age, driving record, and more.
Newer Civic models are typically more expensive to insure than older models. This is because their repair costs tend to be higher. Fortunately, you can still find cheap car insurance coverage for a newer Honda Civic. Shop around and get car insurance quotes from different companies.
You can enjoy cheaper car insurance rates for a Honda Civic if you choose an older model and maintain a clean driving record. Take advantage of discounts, like a good student discount or homeowners insurance bundling discount, to lower your Civic car insurance costs even more.
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Sources
- Honda Auto News. "Civic Leadership: Honda Civic is America’s Best-Selling Retail Passenger Car for 6th Straight Year."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Kelley Blue Book. "2025 Honda Civic."
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Anna BaluchInsurance Writer
Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.
Anna has been a contributor at Insurify since December 2022.
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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