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The Best & Cheapest Car Insurance for Your Honda Civic

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The Civic continues to hold the crown as Honda’s most popular and commonly owned vehicle.

Its status as one of the most popular cars in the United States can be attributed to its reputation as a safe yet fun, affordable car.

Despite its reputation, the vehicle is more expensive to insure than similar vehicles in its class.

In fact, it is the most expensive Honda model to insure.

In our comparison of price quotes from different car insurance companies, a policy to insure a new Honda Civic costs about $2,500 per year.

That works out to be about $208 per month for full coverage. Of course it will depend on the model.

Who offers the cheapest premiums?

When I did my analysis I found Liberty Mutual and Allstate offering the cheapest coverage for drivers.

A driver with good driving history can get quotes at $2,043 per year for a 30-year-old driver and $1,485 per year for a 45-year old from Liberty Mutual.

Allstate offers quotes at $2,089 for a 30-year-old driver and $1,510 for a 45-year old. 

Below is the average cost of premiums for Civics:

ModelAvg. PremiumMSRP
Coupe$2,154$21,050
Si Coupe$2,276$25,200
Sedan$2,149$21,050
Si Sedan$2,219$25,200
Hatchback$2,197$22,000
Type R$2,642$37,495

Why does it cost more to insure a Honda Civic than other cars in its class?

Although the Civic has good safety and crash test ratings according to Insurance Institute of Highway Safety, it is costlier to insure than other vehicles with similar features.

The increased cost is due to the Honda Civic being more likely to be stolen than other cars in its class.

Therefore, collision coverage is little more when getting coverage. 

For that reason, its popularity is a gift and a curse.

ModelComprehensiveCollisionLiabilityTotal
Coupe$490$893$686$2,069
Si Coupe$540$948$714$2,202
Type R$590$1,254$815$2,659
Accord$396$714$587$1,697

How does the cost of insuring a Honda Civic compare with other Honda models?

A new base model Civic costs about $150 more to insure than a new base model Honda Accord, and $600 more than a new Honda Insight.

While the car is more affordable to purchase, its sale price has little to do with the cost to insure it.

There are two primary reasons why Honda Civics cost more to insure than the Accord, Insight, and any other Honda vehicle.

VehiclePremium
Civic$2,231
Insight$1,765
Toyota Camry$2,112
Hyundai Elantra$2,333
Subaru Impreza$1,976
Ford Focus$1,987
Kia Forte$1,304
Toyota Corolla$1,467
Chevrolet Cruze$1,456

1. They depreciate more slowly

Although the Civic costs less to purchase than the Accord, it tends to retain its value better over a five-year period.

In the case of an accident or damage claim, your insurer will have to pay the actual cash value of the car at the time of the claim.

That means a car that retains its value better will carry a higher insurance premium.

2. It is a popular car choice for young drivers

In general, the claim rate for young drivers is higher middle-aged and older drivers.

The higher claim rate translates to higher costs across the board.

While a Civic might be more costly to insure, that doesn’t mean every Civic owner will pay the same price to insure their vehicle.

How much to insure a Honda Civic by driver type with discounts, high or low deductibles.Illustrated above is the amount to insure a Honda Civic by driver type and profile. Drivers discounts ($1,487) and high deductibles ($1,629) pay the least to insure the vehicle. High risk ($2,865) and young drivers ($4,735) pay the most. The average cost of a premium is $2,134 illustrated in blue.

What factors influence the cost of Honda Civic Insurance?

As with any car, the cost of the insurance premium for your Honda Civic depends on a few different factors.

These factors include:

– The age of the driver

An 18 to 20-year old driver can expect to pay significantly more to insure their Civic than a 30-year old driver would have to pay.

The difference in cost could be anywhere from $1800 to $6000 more per year.

– The driving record of the driver

If you have violations on your driving record, you will pay more for car insurance no matter what make and model vehicle you drive.

This is especially true if you have a high-risk violation such as a DUI conviction or multiple speeding tickets.

– The age of the car

You will pay more for insurance on a brand-new Honda Civic than you will for a Civic that is five or ten years old.

The actual car value for an older Civic is less than one that is brand new.

Average premium for Civic from 2016 to 2021. The age of the vehicle is going to determine your premium. Civics are notorious for holding value well, thus having higher than average premiums for older models. Particularly for comprehensive and collision coverage. Don’t expect to save much even if you by an older model.

Depending on the age of your Civic, you may not need full coverage.

That will further reduce how much you pay for your auto insurance premium.

– The location of the driver

It is no secret that drivers that live in large cities pay more for a premium than those in other areas.

In general, cities have far more traffic and limited parking options, which makes them more susceptible being damaged and requiring a submitted claim.

How can I reduce the cost to insure my Honda Civic?

The most effective way to reduce the cost auto insurance on your Honda Civic is to shop around.

It is easier than ever to get multiple insurance quotes so you can be confident you’re getting the lowest price on insurance for your Civic.

CompanyPremium 30-year old 45-year old
Liberty Mutual$2,043$1,485
Allstate$2,089$1,510
State Farm$2,115$1,512
GEICO$2,184$1,543
Progressive$2,256$1,642
Farmers$2,287$1,655
USAA$2,318$1,611
Travelers$2,451$1,689
Elephant$2,548$1,712
Auto-Owners$2,684$1,743
Hartford$2,690$1,655
Ameriprise$2,712$1,743

Another effective way to reduce the cost of car insurance on your Civic to see if you qualify for any discounts.

Drivers with a clean driving record can save more than $600 per year by taking advantage of good driver discounts.

Below are common discounts:

  • Early signing
  • Anti-lock brakes
  • Passive restraint
  • Homeowner
  • Accident free
  • Multi-car
  • Loyalty
  • Military

Another way to save money when insuring your Civic is to reduce your auto insurance coverage to a liability-only policy.

That switch can save you as much as $900 per year on your premium.

However, if you are leasing or financing your Civic, you probably won’t be able to reduce your coverage to a liability-only policy until you have fully paid off the vehicle.

The best and easiest way to reduce the cost of a premium on your Honda Civic is to shop around for an insurance provider that best fits your needs and situation.

Comparing a cost of a premium for Civic against Honda Fit, Insight, CRV, and Passport. Civics are more popular with younger drivers since it is sporty and handles well. If you are looking to save on your premium other models, such as Passport, CRV, or Insight, have much lower premiums.

What is the best car insurance company for Honda Civics?

If you are looking to get full coverage insurance on your new Honda Civic, I have found Liberty Mutual to offer the best price on average.

That does not mean you might not find cheaper coverage for your new Civic elsewhere.

That is why it is wise shop around and compare rates before purchasing an insurance policy for your car.

If you are looking to buy car insurance for a used Honda Civic, then Liberty Mutual is still a worthy option, but you might find a cheaper alternative.

For used Honda Civics from 2013 to 2018, Allstate offers the best rates.

On average Allstate’s annual premium cost is as much as $150 to $200 cheaper than Liberty Mutual.

Coverage for used Honda Civics is, on average, significantly more expensive with other large auto insurance companies such as Progressive and Nationwide.

Before you purchase car insurance for your Honda Civic, you should compare quotes from different providers.

By getting more than one auto insurance quote, you can make sure you get the best car insurance rate for your Honda Civic.

Sources

National Highway Traffic Safety Administration

Quadrant Information Services

Insurance Information Institute (III.org)

National Insurance Crime Bureau

Greg Fowler

Greg Fowler

Managing Member of AutoInsureSavings LLC, Greg has been in the insurance industry for 12 years and enjoys rebuilding vehicles. His goal is to help drivers save on anything related to automobiles. Travel and enjoying the outdoors are some of his hobbies. The best way to reach him is at his Twitter or Facebook Profile.

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