120+ more*Quotes generated for Insurify users within the last 10 days. Last updated on November 8, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 8, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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7+ years writing insurance and personal finance content
Contributor to top media, including USA Today
A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Updated
GEICO offers Honda Civic drivers the cheapest average rates.
On average, Honda Civic drivers pay $165 per month for car insurance.
The Honda Civic typically costs more to insure than other Honda models.
Honda Civic drivers pay an average of $113 per month for liability-only coverage and $216 per month for full-coverage car insurance policies, according to Insurify data.
That’s a bit more than the average cost to insure other small sedans, which, as a group, cost an average of $90 and $170 for liability-only and full coverage, respectively. But it’s more affordable to insure a Honda Civic than a Toyota Corolla, whose drivers pay an average of $172 per month for coverage.
The table below shows the cost of insuring a Honda Civic and how it compares to the averages for small sedans and the U.S.
Honda Civic vs. Small Sedan and National Averages | Average Monthly Premium: Full Coverage | Average Monthly Premium: Liability Only |
|---|---|---|
| Honda Civic average | $216 | $113 |
| Small sedan average | $170 | $90 |
| National average | $187 | $99 |
Honda Civic drivers with a clean driving record pay less for auto insurance than people with an incident on their driving history. Insurers view people with a driving under the influence (DUI) conviction or speeding ticket as a higher risk to insure, so they increase rates to offset this risk.
The table below breaks down the average full-coverage and liability-only rates for Civic drivers with various driving records.
Driving Record | Average Monthly Premium: Full Coverage | Average Monthly Premium: Liability Only |
|---|---|---|
| Clean record | $216 | $113 |
| Speeding ticket | $271 | $141 |
| At-fault accident | $277 | $148 |
| DUI | $283 | $136 |
The Honda Civic costs an average of $165 per month to insure. That’s a bit higher than the national average of $143, according to Insurify data.
The vehicle’s popularity among thieves could partially explain its slightly elevated insurance costs. Unfortunately, the Civic is one of the most stolen vehicle models in the country. That’s a risk for insurers, which leads to higher insurance costs.
But the Civic's extensive safety features, including the Honda Sensing Suite, likely help lower the risk. Hybrids, like the higher trim levels of the Civic, also typically cost more to insure than gas-powered vehicles, possibly due to higher repair costs.[1]
Liability rates average $113/mo.
Honda Civic drivers with an older model year typically pay less for coverage. As any vehicle ages, including a Civic, it loses its value, and car insurance premiums tend to fall too. For example, the 2027 Civic has a starting MSRP of $24,995. But the 2022 Civic LX has a fair trade-in purchase value of $15,080–$18,530, according to Kelley Blue Book.
The table below shows the average monthly auto insurance premiums for a Honda Civic by model year.
Honda Civic Model Year | Average Monthly Premium: Full Coverage | Average Monthly Premium: Liability Only |
|---|---|---|
| 2026 | $268 | $116 |
| 2025 | $258 | $119 |
| 2024 | $248 | $112 |
| 2023 | $241 | $108 |
| 2022 | $235 | $109 |
| 2021 | $226 | $109 |
| 2020 | $221 | $105 |
| 2019 | $221 | $108 |
| 2018 | $221 | $108 |
GEICO offers Honda Civic drivers the cheapest car insurance premiums. But you can also often find affordable rates through USAA, State Farm, and Allstate. Take the time to shop around to find the best rates for your situation.
The table below highlights the average cost of a full-coverage policy for a Honda Civic by insurer.
Insurance Company | Honda Civic Average Monthly Premium |
|---|---|
| Allstate | $144 |
| American Family | $141 |
| Amica | $354 |
| CSAA | $230 |
| Farmers | $183 |
| GEICO | $128 |
| Liberty Mutual | $195 |
| Progressive | $124 |
| State Farm | $91 |
| Travelers | $168 |
| USAA | $90 |
The cost of insuring a Honda Civic varies based on where you live. For example, drivers in New York face significantly higher rates because of the state’s traffic congestion and crash rates, according to Insurify data.
The table below highlights the average cost to insure a Honda Civic by state.
State | Honda Civic Average Monthly Premium |
|---|---|
| Alaska | $88 |
| Alabama | $120 |
| Arkansas | $128 |
| Arizona | $146 |
| California | $174 |
| Colorado | $181 |
| Connecticut | $222 |
| Washington D.C. | $206 |
| Delaware | $248 |
| Florida | $217 |
| Georgia | $239 |
| Hawaii | $109 |
| Iowa | $96 |
| Idaho | $99 |
| Illinois | $142 |
| Indiana | $111 |
| Kansas | $136 |
| Kentucky | $181 |
| Louisiana | $181 |
| Massachusetts | $138 |
| Maryland | $283 |
| Maine | $123 |
| Michigan | $208 |
| Minnesota | $158 |
| Missouri | $157 |
| Mississippi | $159 |
| Montana | $117 |
| North Carolina | $105 |
| North Dakota | $104 |
| Nebraska | $118 |
| New Hampshire | $79 |
| New Jersey | $252 |
| New Mexico | $114 |
| Nevada | $245 |
| New York | $209 |
| Ohio | $105 |
| Oklahoma | $146 |
| Oregon | $143 |
| Pennsylvania | $145 |
| Rhode Island | $272 |
| South Carolina | $238 |
| South Dakota | $124 |
| Tennessee | $110 |
| Texas | $181 |
| Utah | $137 |
| Virginia | $187 |
| Vermont | $114 |
| Washington | $161 |
| Wisconsin | $105 |
| West Virginia | $138 |
| Wyoming | $83 |
Young drivers with a Honda Civic pay more for car insurance than older drivers with this popular sedan. Insurers typically offer lower rates to drivers with more experience behind the wheel.
The table below shows average car insurance costs for the Honda Civic by age group.
Driver Age | Average Monthly Premium: Full Coverage | Average Monthly Premium: Liability Only |
|---|---|---|
| Teens | $387 | $233 |
| 20s | $258 | $140 |
| 30s | $205 | $108 |
| 40s | $188 | $103 |
| 50s | $178 | $100 |
| 60s | $162 | $98 |
| 70s | $165 | $108 |
The 2026 Honda Civic has a starting MSRP of $24,695 for the LX, its most basic model. But if you’re looking for more features, including hybrid options, choosing a higher trim package will lead to a higher price tag. For example, the Sport Touring Hybrid trim has a starting MSRP of $32,395.
At every trim level, drivers have many customization options. For example, you could choose body-side molding or a decklid spoiler to give the car a more sporty appearance. You can also add helpful storage features, such as a cargo hook and trunk tray dividers.
The table below breaks down more details about the Honda Civic.
Specification | Honda Civic Details |
|---|---|
| Average car insurance cost | $165 |
| 2026 MSRP | $24,695 |
| Drivetrain | Automatic or Hybrid |
| Engine | 150–200-horsepower, 2.0L engine |
| Fuel economy | Up to 32/41 mpg |
| Safety rating | 2025 Top Safety Pick from the Insurance Institute for Highway Safety (IIHS) |
| Theft rate | High |
The Honda Civic is more expensive to insure than the Honda CR-V. Sedans are more expensive to insure than small SUVs like the Honda CR-V, according to Insurify data. A slightly larger vehicle tends to offer better protection in a crash, which could lead to lower costs for the insurance company.
The table below highlights the different average premiums for these vehicles.
Model | Average Monthly Premium: Full Coverage | Average Monthly Premium: Liability Only |
|---|---|---|
| Honda Civic | $216 | $113 |
| Honda CR-V | $158 | $84 |
Full-coverage rates average $216 per month
If you want to pay less for car insurance on your Honda Civic, the following tips may help:[2]
Shop around. Every insurer has a slightly different method of determining the risk associated with driving a Honda Civic, which could lead to different insurance premiums. Compare auto insurance quotes across multiple companies to find the best insurer for you.
Ask for a discount. Many safety features come standard on the Honda Civic, including the Honda Sensing Suite, which may qualify you for a discount. Beyond safety features, ask about what other discounts you might qualify for. For example, you might save by bundling your auto and home or renters insurance.
Consider pay-per-mile insurance. If you’re an infrequent driver, choosing a low-mileage car insurance policy could lead to savings.
Raise your deductible. If you can afford to pay a higher deductible after an incident, this could lead to lower rates.
As you consider your car insurance options for your Honda Civic, the following answers may help.
Car insurance for a 2025 Honda Civic averages $113 per month for liability coverage and $216 per month for full coverage. But rates vary by insurer and other factors, such as your age, driving history, and ZIP code. The type of coverage you choose also matters.
A full-coverage policy, with collision coverage and comprehensive coverage, will likely cost more than a basic liability policy for property damage and bodily injury.
The Honda Civic’s insurance premiums may be higher because it’s a popular target for theft, and replacement parts are becoming more expensive.[3]
The Honda Civic is a popular car among thieves, according to Insurify data. Its reputation as a popular target for theft likely contributes to higher car insurance costs.
Hondas cost an average of $154 per month to insure. That’s on par with the national average of $143, according to Insurify data.
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7+ years writing insurance and personal finance content
Contributor to top media, including USA Today
A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
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