Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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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.

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Below average Honda Civic insurer costs by state:

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.

2021 Honda Civic

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1523
American Family$1300
Country Financial$1786
Erie$1083
GEICO$1207
Liberty Mutual$1272
Mercury$1471
MetLife$1825
Nationwide$1265
Progressive$1149
State Farm$1161
Tennessee Farmers$1380
Travelers$1740
USAA$1051

Compare all 2021 Honda Civic rates

Average Cost to Insure Per Year

$1280

List Price

$21250

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

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1496
American Family$1267
Country Financial$1677
Erie$967
GEICO$1135
Liberty Mutual$1234
Mercury$1423
Nationwide$1180
Progressive$1086
State Farm$1020
Tennessee Farmers$1361
Travelers$1534
USAA$890

Compare all 2020 Honda Civic rates

Average Cost to Insure Per Year

$1127

List Price

$20499

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

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1487
American Family$1175
Country Financial$1634
Erie$814
GEICO$983
Liberty Mutual$1108
Mercury$1340
Nationwide$1050
Progressive$941
State Farm$863
Tennessee Farmers$1267
Travelers$1512
USAA$790

Compare all 2019 Honda Civic rates

Average Cost to Insure Per Year

$1086

List Price

$20350

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

Cheapest Insurance CompaniesAverage Annual Cost
Allied$ 1204
Allied$ 1204
American Family$ 1020
American Family$ 1020
Country$ 1184
Country$ 1184
Erie$ 704
Erie$ 704
GEICO$ 665
GEICO$ 665
Nationwide$ 1007
Nationwide$ 1007
Plymouth Rock Insurance$ 1172
Plymouth Rock Insurance$ 1172
Progressive$ 778
Progressive$ 778
State Farm$ 698
State Farm$ 698
Tennessee Farmers$ 1033
Tennessee Farmers$ 1033
USAA$ 662
USAA$ 662
Vermont Mutual$ 1187
Vermont Mutual$ 1187

Compare all 2018 Honda Civic rates

Average Cost to Insure Per Year

$ 983

List Price

$ 18940

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

Cheapest Insurance CompaniesAverage Annual Cost
American Family$ 986
American Family$ 986
Country$ 1196
Country$ 1196
Erie$ 719
Erie$ 719
GEICO$ 575
GEICO$ 575
Nationwide$ 1070
Nationwide$ 1070
Plymouth Rock Insurance$ 1146
Plymouth Rock Insurance$ 1146
Progressive$ 804
Progressive$ 804
State Farm$ 703
State Farm$ 703
Tennessee Farmers$ 1057
Tennessee Farmers$ 1057
Texas Farm Bureau$ 905
Texas Farm Bureau$ 905
USAA$ 704
USAA$ 704
Vermont Mutual$ 1171
Vermont Mutual$ 1171

Compare all 2017 Honda Civic rates

Average Cost to Insure Per Year

$ 981

List Price

$ 18640

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

Cheapest Insurance CompaniesAverage Annual Cost
American Family$ 956
American Family$ 956
Country$ 1135
Country$ 1135
Erie$ 675
Erie$ 675
GEICO$ 548
GEICO$ 548
Nationwide$ 1083
Nationwide$ 1083
Plymouth Rock Insurance$ 1108
Plymouth Rock Insurance$ 1108
Progressive$ 824
Progressive$ 824
State Farm$ 763
State Farm$ 763
Tennessee Farmers$ 940
Tennessee Farmers$ 940
Texas Farm Bureau$ 865
Texas Farm Bureau$ 865
USAA$ 697
USAA$ 697
Vermont Mutual$ 1052
Vermont Mutual$ 1052

Compare all 2016 Honda Civic rates

Average Cost to Insure Per Year

$ 957

List Price

$ 18640

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

Cheapest Insurance CompaniesAverage Annual Cost
American Family$ 970
American Family$ 970
Country$ 1115
Country$ 1115
Erie$ 652
Erie$ 652
GEICO$ 527
GEICO$ 527
Nationwide$ 1092
Nationwide$ 1092
Plymouth Rock Insurance$ 1096
Plymouth Rock Insurance$ 1096
Progressive$ 814
Progressive$ 814
State Farm$ 691
State Farm$ 691
Tennessee Farmers$ 991
Tennessee Farmers$ 991
Texas Farm Bureau$ 873
Texas Farm Bureau$ 873
USAA$ 685
USAA$ 685
Vermont Mutual$ 996
Vermont Mutual$ 996

Compare all 2015 Honda Civic rates

Average Cost to Insure Per Year

$ 938

List Price

$ 18290

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

Cheapest Insurance CompaniesAverage Annual Cost
American Family$ 959
American Family$ 959
Country$ 1105
Country$ 1105
Erie$ 615
Erie$ 615
GEICO$ 519
GEICO$ 519
Nationwide$ 1076
Nationwide$ 1076
Plymouth Rock Insurance$ 1064
Plymouth Rock Insurance$ 1064
Progressive$ 772
Progressive$ 772
State Farm$ 662
State Farm$ 662
Tennessee Farmers$ 979
Tennessee Farmers$ 979
Texas Farm Bureau$ 906
Texas Farm Bureau$ 906
USAA$ 632
USAA$ 632
Vermont Mutual$ 978
Vermont Mutual$ 978

Compare all 2014 Honda Civic rates

Average Cost to Insure Per Year

$ 903

List Price

$ 18190

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

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1054
Acuity$ 1054
American Family$ 963
American Family$ 963
Erie$ 600
Erie$ 600
GEICO$ 493
GEICO$ 493
Nationwide$ 1059
Nationwide$ 1059
Plymouth Rock Insurance$ 1036
Plymouth Rock Insurance$ 1036
Progressive$ 752
Progressive$ 752
State Farm$ 641
State Farm$ 641
Tennessee Farmers$ 943
Tennessee Farmers$ 943
Texas Farm Bureau$ 865
Texas Farm Bureau$ 865
USAA$ 609
USAA$ 609
Vermont Mutual$ 922
Vermont Mutual$ 922

Compare all 2013 Honda Civic rates

Average Cost to Insure Per Year

$ 874

List Price

$ 17965

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

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 996
Acuity$ 996
American Family$ 895
American Family$ 895
Erie$ 574
Erie$ 574
GEICO$ 457
GEICO$ 457
Nationwide$ 1005
Nationwide$ 1005
Plymouth Rock Insurance$ 1010
Plymouth Rock Insurance$ 1010
Progressive$ 682
Progressive$ 682
State Farm$ 585
State Farm$ 585
Tennessee Farmers$ 904
Tennessee Farmers$ 904
Texas Farm Bureau$ 794
Texas Farm Bureau$ 794
USAA$ 538
USAA$ 538
Vermont Mutual$ 872
Vermont Mutual$ 872

Compare all 2012 Honda Civic rates

Average Cost to Insure Per Year

$ 814

List Price

$ 15755

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

Cheapest Insurance CompaniesAverage Annual Cost
American Family$ 854
American Family$ 854
Arbella$ 1004
Arbella$ 1004
Country$ 978
Country$ 978
Erie$ 572
Erie$ 572
GEICO$ 448
GEICO$ 448
Nationwide$ 996
Nationwide$ 996
Progressive$ 702
Progressive$ 702
State Farm$ 620
State Farm$ 620
Tennessee Farmers$ 901
Tennessee Farmers$ 901
Texas Farm Bureau$ 781
Texas Farm Bureau$ 781
USAA$ 574
USAA$ 574
Vermont Mutual$ 811
Vermont Mutual$ 811

Compare all 2011 Honda Civic rates

Average Cost to Insure Per Year

$ 815

List Price

$ 15605

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