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Honda Civic Car Insurance Cost

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Looking for a new or used Honda Civic? And wondering how much it costs to insure by year? We researched average annual insurance costs for each model year up to 2021 and have compiled the results for you below.

Honda Civic facts

  • Average full coverage auto insurance premium: $187/month

  • Most affordable companies: Progressive ($113/month) & Allstate ($147/month)

  • Civic insurance cost vs. average rate: $65 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Honda Civic by model year and insurer.

Below average Honda Civic insurer costs by state:

How much does it cost to insure my Honda Civic?

Select the year of your car

2021 Honda Civic

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Average Cost to Insure Per Year

$1,280

List Price

$21,250

Trims Available

LX - LX w/Honda Sensing - LX-P - EX - EX-T - Sport - EX w/Honda Sensing - EX-T w/Honda Sensing - EX-L - Si - Si w/Summer Tires - EX-L w/Honda Sensing - EX-L w/Navi - Touring - EX-L w/Navi w/Honda Sensing - Sport Touring - Type R

2020 Honda Civic

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Average Cost to Insure Per Year

$1,127

List Price

$20,499

Trims Available

LX - LX w/Honda Sensing - LX-P - EX - EX-T - Sport - EX w/Honda Sensing - EX-T w/Honda Sensing - EX-L - Si - Si w/Summer Tires - EX-L w/Honda Sensing - EX-L w/Navi - Touring - EX-L w/Navi w/Honda Sensing - Sport Touring - Type R

2019 Honda Civic

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Average Cost to Insure Per Year

$1,086

List Price

$20,350

Trims Available

LX - LX w/Honda Sensing - LX-P - EX - EX-T - Sport - EX w/Honda Sensing - EX-T w/Honda Sensing - EX-L - Si - Si w/Summer Tires - EX-L w/Honda Sensing - EX-L w/Navi - Touring - EX-L w/Navi w/Honda Sensing - Sport Touring - Type R

2018 Honda Civic

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Average Cost to Insure Per Year

$983

List Price

$18,940

Trims Available

LX - LX w/Honda Sensing - LX-P - EX - EX-T - Sport - EX w/Honda Sensing - EX-T w/Honda Sensing - EX-L - Si - Si w/Summer Tires - EX-L w/Honda Sensing - EX-L w/Navi - Touring - EX-L w/Navi w/Honda Sensing - Sport Touring - Type R

2017 Honda Civic

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Average Cost to Insure Per Year

$981

List Price

$18,640

Trims Available

Type R - LX - LX w/Honda Sensing - LX-P - EX - Sport - EX-T - EX w/Honda Sensing - EX-T w/Honda Sensing - EX-L - Si - Si w/Summer Tires - EX-L w/Honda Sensing - EX-L w/Navi - Touring - EX-L w/Navi w/Honda Sensing - Sport Touring

2016 Honda Civic

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Average Cost to Insure Per Year

$957

List Price

$18,640

Trims Available

LX - LX w/Honda Sensing - LX-P - EX - EX w/Honda Sensing - EX-T - EX-T w/Honda Sensing - EX-L - EX-L w/Honda Sensing - EX-L w/Navi - Touring

2015 Honda Civic

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Average Cost to Insure Per Year

$938

List Price

$18,290

Trims Available

LX - SE - HF - EX - EX-L - Si - Si w/Summer Tires - EX-L w/Navi - Si w/Navi - Si w/Summer Tires w/Navi - Hybrid - Hybrid w/Leather - Hybrid w/Navi - Natural Gas - Hybrid w/Leather w/Navi - Natural Gas w/Navi

2014 Honda Civic

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Average Cost to Insure Per Year

$903

List Price

$18,190

Trims Available

LX - HF - EX - EX w/Navi - EX-L - Si - Si w/Summer Tires - EX-L w/Navi - Si w/Navi - Si w/Summer Tires w/Navi - Hybrid - Hybrid w/Leather - Hybrid w/Navi - Natural Gas - Hybrid w/Leather w/Navi - Natural Gas w/Navi

2013 Honda Civic

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Average Cost to Insure Per Year

$874

List Price

$17,965

Trims Available

LX - HF - EX - EX-L - EX w/Navi - Si - Si w/Summer Tires - EX-L w/Navi - Si w/Navi - Si w/Summer Tires w/Navi - Hybrid - Hybrid w/Leather - Hybrid w/Navi - Natural Gas - Hybrid w/Leather w/Navi - Natural Gas w/Navi

2012 Honda Civic

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Average Cost to Insure Per Year

$814

List Price

$15,755

Trims Available

DX - LX - HF - EX - EX-L - EX w/Navi - Si - Si w/Summer Tires - EX-L w/Navi - Si w/Navi - Si w/Summer Tires w/Navi - Hybrid - Hybrid w/Leather - Hybrid w/Navi - Natural Gas - Hybrid w/Leather w/Navi - Natural Gas w/Navi

2011 Honda Civic

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Average Cost to Insure Per Year

$815

List Price

$15,605

Trims Available

DX - VP - LX - LX-S - EX - EX-L - Si - EX w/Navi - Si w/Summer Tires - Hybrid - EX-L w/Navi - Si w/Navi - GX - Hybrid w/Navi

Factors affecting Honda Civic rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car's value, which in turn is the main factor in determining your premium. Your own personal driving history, age, and other risk factors are also important components of your rate.

Honda Civics are well-known for having exceptional resale value, which typically would result in high rates for even older vehicles. Still, Hondas actually do have some factors helping to mitigate that impact. For example, Hondas has been obtaining excellent safety ratings for decades, with the Honda Civic named the Top Safety Pick by the Insurance Institute for Highway Safety.

Other Honda risk factors to consider

Another important factor for lower than average rates is Honda is one of the top-selling auto brands in the US, second only to Toyota. This helps in many ways, as the abundance of the same kind of vehicle helps companies obtain more data to do the underwriting more accurately. Also, it lowers repair costs since there are many replacement parts available for these cars and most mechanics are familiar with working on these vehicles.

One of the best ways to estimate whether the car you are considering will have high or low rates is to evaluate what the car is being used for by most people. In the case of a Honda, more than likely, it is being used by families to commute and provide general transportation. Honda does have a few more sport-like vehicles like the NSX, but the main target market is families by and large. This means that most drivers take care of their vehicles and drive them in a careful, conservative manner. In contrast, Subarus tend to have high rates because some of their more popular models are intended for the sports market they expect to drive them aggressively. In summary, it is hard to go wrong with a Honda as a vehicle, which is why Americans have continued to support the brand providing a very active resale market for even 30-year-old vehicles.

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