Honda Civic vs Toyota Corolla Insurance Cost

The Toyota Corolla is cheaper to insure by about $85 a year for full coverage by our estimate ($1,790 vs. $1,705), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

Coverage	Honda Civic	Toyota Corolla	Difference
State minimum	$730	$710	+$20
Standard (100/300/100)	$1,060	$1,025	+$35
Full coverage	$1,790	$1,705	+$85

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Civic minus Corolla.

Why one costs more to insure

Factor	Honda Civic	Toyota Corolla
Segment	Compact car	Compact car
Powertrains	Gasoline, Hybrid, CNG	Gasoline, Hybrid
HLDI collision (100 = avg)	121	102
HLDI comprehensive	88	89
HLDI property damage liability	125	114
HLDI bodily injury liability	139	137
NHTSA overall rating	5★	5★
NICB most-stolen rank	#5	Not in top 10
Recalls (latest 3 model years)	4	3

Collision losses are the biggest swing factor: the Honda Civic has 19 points higher relative collision losses, meaning its crash repairs cost insurers more on average. The Honda Civic appears on the NICB most-stolen list, adding to comprehensive costs.

Civic vs Corolla insurance by state

State	Civic	Corolla	Difference
Alabama	$1,545	$1,475	+$70
Alaska	$1,570	$1,490	+$80
Arizona	$1,870	$1,790	+$80
Arkansas	$1,550	$1,480	+$70
California	$1,760	$1,665	+$95
Colorado	$1,995	$1,920	+$75
Connecticut	$1,920	$1,830	+$90
Delaware	$2,020	$1,930	+$90
District of Columbia	$2,255	$2,145	+$110
Florida	$2,590	$2,480	+$110
Georgia	$2,235	$2,135	+$100
Hawaii	$1,235	$1,170	+$65
Idaho	$1,210	$1,155	+$55
Illinois	$1,545	$1,470	+$75
Indiana	$1,265	$1,205	+$60
Iowa	$1,180	$1,130	+$50
Kansas	$1,390	$1,335	+$55
Kentucky	$1,500	$1,435	+$65
Louisiana	$2,470	$2,365	+$105
Maine	$1,130	$1,080	+$50
Maryland	$2,015	$1,925	+$90
Massachusetts	$1,765	$1,675	+$90
Michigan	$1,950	$1,855	+$95
Minnesota	$1,465	$1,405	+$60
Mississippi	$1,690	$1,615	+$75
Missouri	$1,600	$1,535	+$65
Montana	$1,385	$1,335	+$50
Nebraska	$1,395	$1,340	+$55
Nevada	$2,090	$2,000	+$90
New Hampshire	$1,270	$1,210	+$60
New Jersey	$2,185	$2,085	+$100
New Mexico	$1,595	$1,520	+$75
New York	$2,420	$2,315	+$105
North Carolina	$1,320	$1,255	+$65
North Dakota	$1,105	$1,060	+$45
Ohio	$1,270	$1,210	+$60
Oklahoma	$1,580	$1,515	+$65
Oregon	$1,620	$1,550	+$70
Pennsylvania	$1,550	$1,475	+$75
Rhode Island	$2,185	$2,080	+$105
South Carolina	$1,920	$1,840	+$80
South Dakota	$1,300	$1,260	+$40
Tennessee	$1,475	$1,405	+$70
Texas	$2,090	$2,000	+$90
Utah	$1,640	$1,565	+$75
Vermont	$1,145	$1,090	+$55
Virginia	$1,535	$1,465	+$70
Washington	$1,570	$1,500	+$70
West Virginia	$1,465	$1,405	+$60
Wisconsin	$1,205	$1,155	+$50
Wyoming	$1,335	$1,285	+$50

By driver profile (full coverage)

Driver	Civic	Corolla
Teen driver (18, own policy)	$4,915	$4,695
Young adult (22)	$2,860	$2,730
Adult in their 30s	$1,790	$1,705
Adult in their 50s	$1,645	$1,570
Senior (72)	$2,000	$1,910
30s, one at-fault accident	$2,590	$2,475
30s, DUI on record	$3,305	$3,155

More comparisons

Frequently asked questions

Is the Honda Civic or the Toyota Corolla cheaper to insure?

By our estimate the Toyota Corolla is cheaper, by about $85 a year for full coverage ($1,790 vs. $1,705) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Honda Civic and Toyota Corolla?

Mostly because of insurance-loss history: HLDI collision indices of 121 vs. 102 and comprehensive indices of 88 vs. 89 (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page