Honda Civic Insurance Cost

Full coverage for a Honda Civic costs about $1,790 a year ($149/month) by our estimate — ▲ +13% versus the average vehicle, ranking 203rd cheapest of 310 current models.

Honda Civic exterior (photo from Wikimedia Commons) — Photo: M 93, CC BY-SA 3.0 de

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

Honda Civic insurance cost at a glance

Full coverage

$1,790

$149/mo · $1,465–$2,110

Minimum liability

$730

$61/mo

Segment

Compact car

Gasoline, Hybrid, CNG

HLDI collision losses

121

Much worse than average (100 = avg)

NHTSA overall

★★★★★

2026 model year

NICB most stolen

national list

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2026 model year. Our vehicle data covers the 2005–2026 model years of the Honda Civic.

Estimated Honda Civic premium by coverage level (national average rates)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$730	$61	$600–$865
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$1,060	$88	$870–$1,250
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,790	$149	$1,465–$2,110

What drives the cost of insuring a Honda Civic

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Honda Civic's results put our vehicle factor at 1.19× for liability, 1.17× for collision and 0.92× for comprehensive.

HLDI relative insurance losses — Honda Civic (Small Four-door cars)
Coverage	Index	Rating	What it measures
Collision	121	Much worse than average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	88	Better than average	Theft, vandalism, glass, weather and animal damage
Property damage liability	125	Much worse than average	Damage this car does to other vehicles and property
Bodily injury liability	139	Much worse than average	Injuries to people in other vehicles (claim frequency)
Personal injury protection	159	Much worse than average	Injuries to occupants of this car (claim frequency)
Medical payments	147	Much worse than average	Injuries to occupants of this car (claim frequency)

HLDI results by body style / drivetrain (4)

Variant	Collision	Comprehensive	Prop. damage	Bodily injury
Honda Civic	121	88	125	139
Honda Civic Si	118	106	87	118
Honda Civic hatchback	113	87	114	123
Honda Civic Type-R 4dr	118	97	46	—

Repair and parts costs: Compact car — mainstream parts availability keeps repairs moderate.
Safety: 5-star NHTSA overall rating (frontal 4★, side 5★, rollover 5★) — better occupant protection lowers injury-claim costs.
Theft: #5 on the NICB national most-stolen list, which raises comprehensive premiums.
Recalls & complaints: 4 NHTSA recall campaigns and 264 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Honda Civic trims and configurations (2026)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

Configuration	Drive	Engine	MPG (comb.)
Civic 4Dr	FWD	1.5L 4-cyl Turbo	31
Civic 4Dr	FWD	2.0L 4-cyl	36
Civic 4Dr	FWD	2.0L 4-cyl Hybrid	49
Civic 5Dr	FWD	2.0L 4-cyl	34
Civic 5Dr	FWD	2.0L 4-cyl Hybrid	48
Civic 5Dr	FWD	2.0L 4-cyl Turbo	24

Honda Civic insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model year	Engines	Drive	MPG	Est. full / yr
2026	1.5L 4-cyl Turbo, 2.0L 4-cyl, 2.0L 4-cyl Hybrid	FWD	24–49	$1,790
2025	1.5L 4-cyl Turbo, 2.0L 4-cyl, 2.0L 4-cyl Hybrid	FWD	24–49	$1,755
2024	1.5L 4-cyl Turbo, 2.0L 4-cyl, 2.0L 4-cyl Turbo	FWD	24–36	$1,720
2023	1.5L 4-cyl Turbo, 2.0L 4-cyl, 2.0L 4-cyl Turbo	FWD	24–36	$1,685
2022	1.5L 4-cyl Turbo, 2.0L 4-cyl	FWD	29–36	$1,650
2021	1.5L 4-cyl Turbo, 2.0L 4-cyl, 2.0L 4-cyl Turbo	FWD	25–36	$1,615
2020	1.5L 4-cyl Turbo, 2.0L 4-cyl, 2.0L 4-cyl Turbo	FWD	25–36	$1,580
2019	1.5L 4-cyl Turbo, 2.0L 4-cyl, 2.0L 4-cyl Turbo	FWD	25–36	$1,550
2018	1.5L 4-cyl Turbo, 2.0L 4-cyl, 2.0L 4-cyl Turbo	FWD	25–36	$1,515
2017	1.5L 4-cyl Turbo, 2.0L 4-cyl, 2.0L 4-cyl Turbo	FWD	25–36	$1,480
2016	1.5L 4-cyl Turbo, 2.0L 4-cyl	FWD	30–35	$1,445
2015	1.5L 4-cyl Hybrid, 1.8L 4-cyl, 1.8L 4-cyl CNG	FWD	25–44	$1,440
2014	1.5L 4-cyl Hybrid, 1.8L 4-cyl, 1.8L 4-cyl CNG	FWD	25–44	$1,440
2013	1.5L 4-cyl Hybrid, 1.8L 4-cyl, 1.8L 4-cyl CNG	FWD	25–44	$1,440
2012	1.5L 4-cyl Hybrid, 1.8L 4-cyl, 1.8L 4-cyl CNG	FWD	25–44	$1,440
2011	1.3L 4-cyl Hybrid, 1.8L 4-cyl, 1.8L 4-cyl CNG	FWD	24–41	$1,440
2010	1.3L 4-cyl Hybrid, 1.8L 4-cyl, 1.8L 4-cyl CNG	FWD	24–42	$1,440
2009	1.3L 4-cyl Hybrid, 1.8L 4-cyl, 1.8L 4-cyl CNG	FWD	24–42	$1,440
2008	1.3L 4-cyl Hybrid, 1.8L 4-cyl, 1.8L 4-cyl CNG	FWD	24–42	$1,440
2007	1.3L 4-cyl Hybrid, 1.8L 4-cyl, 1.8L 4-cyl CNG	FWD	23–42	$1,440

Honda Civic insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the Civic page for that state.

State	Full coverage	Minimum	vs. national	Civic page
Alabama	$1,545	$570	−14%	Civic in AL
Alaska	$1,570	$745	−12%	Civic in AK
Arizona	$1,870	$785	+4%	Civic in AZ
Arkansas	$1,550	$535	−13%	Civic in AR
California	$1,760	$680	−2%	Civic in CA
Colorado	$1,995	$775	+11%	Civic in CO
Connecticut	$1,920	$850	+7%	Civic in CT
Delaware	$2,020	$955	+13%	Civic in DE
District of Columbia	$2,255	$885	+26%	Civic in DC
Florida	$2,590	$1,285	+45%	Civic in FL
Georgia	$2,235	$1,040	+25%	Civic in GA
Hawaii	$1,235	$520	−31%	Civic in HI
Idaho	$1,210	$480	−32%	Civic in ID
Illinois	$1,545	$595	−14%	Civic in IL
Indiana	$1,265	$480	−29%	Civic in IN
Iowa	$1,180	$370	−34%	Civic in IA
Kansas	$1,390	$480	−22%	Civic in KS
Kentucky	$1,500	$630	−16%	Civic in KY
Louisiana	$2,470	$945	+38%	Civic in LA
Maine	$1,130	$505	−37%	Civic in ME
Maryland	$2,015	$895	+13%	Civic in MD
Massachusetts	$1,765	$705	−1%	Civic in MA
Michigan	$1,950	$910	+9%	Civic in MI
Minnesota	$1,465	$560	−18%	Civic in MN
Mississippi	$1,690	$630	−6%	Civic in MS
Missouri	$1,600	$610	−11%	Civic in MO
Montana	$1,385	$470	−23%	Civic in MT
Nebraska	$1,395	$480	−22%	Civic in NE
Nevada	$2,090	$1,035	+17%	Civic in NV
New Hampshire	$1,270	$480	−29%	Civic in NH
New Jersey	$2,185	$1,115	+22%	Civic in NJ
New Mexico	$1,595	$620	−11%	Civic in NM
New York	$2,420	$1,110	+35%	Civic in NY
North Carolina	$1,320	$535	−26%	Civic in NC
North Dakota	$1,105	$330	−38%	Civic in ND
Ohio	$1,270	$480	−29%	Civic in OH
Oklahoma	$1,580	$560	−12%	Civic in OK
Oregon	$1,620	$745	−9%	Civic in OR
Pennsylvania	$1,550	$505	−13%	Civic in PA
Rhode Island	$2,185	$975	+22%	Civic in RI
South Carolina	$1,920	$875	+7%	Civic in SC
South Dakota	$1,300	$375	−27%	Civic in SD
Tennessee	$1,475	$540	−18%	Civic in TN
Texas	$2,090	$825	+17%	Civic in TX
Utah	$1,640	$780	−8%	Civic in UT
Vermont	$1,145	$380	−36%	Civic in VT
Virginia	$1,535	$745	−14%	Civic in VA
Washington	$1,570	$705	−12%	Civic in WA
West Virginia	$1,465	$520	−18%	Civic in WV
Wisconsin	$1,205	$445	−33%	Civic in WI
Wyoming	$1,335	$385	−25%	Civic in WY

Honda Civic insurance by driver profile

Estimated annual Honda Civic premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$2,010	$2,915	$4,915	$410
Young adult (22)	$1,170	$1,695	$2,860	$238
Adult in their 30s	$730	$1,060	$1,790	$149
Adult in their 50s	$675	$975	$1,645	$137
Senior (72)	$820	$1,190	$2,000	$167
30s, one at-fault accident	$1,060	$1,540	$2,590	$216
30s, DUI on record	$1,355	$1,960	$3,305	$275

Honda Civic vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Honda Civic	$1,790	121	88	—
Toyota Corolla	$1,705	102	89	Compare
Kia Forte	$1,955	128	108	Compare
Toyota Prius	$1,595	118	104	Compare

Estimate Honda Civic insurance for your ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

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Per month

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Other Honda models

CR-V $1,200/yr
HR-V $1,465/yr
Odyssey $1,280/yr
Prelude $1,895/yr
Accord $1,680/yr
Passport $1,255/yr
Pilot $1,160/yr
Prologue $1,520/yr
Ridgeline $1,350/yr
Insight $1,395/yr
Clarity $1,410/yr
Fit $1,305/yr
CR-Z $1,450/yr
Crosstour $1,165/yr
Element $1,165/yr
S2000 $1,445/yr

All Honda insurance costs →

Frequently asked questions

How much is insurance for a Honda Civic?

We estimate about $1,790 a year ($149 a month) for full coverage and $730 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 13% more than the average vehicle.

Is the Honda Civic expensive to insure?

HLDI insurance-loss data rates it at 121 for collision and 88 for comprehensive losses (100 = average of all vehicles), meaning collision losses are much worse than average.

Which state is cheapest to insure a Honda Civic?

North Dakota has the lowest estimate (about $1,105 a year for full coverage) and Florida the highest (about $2,590).

What is the Honda Civic's NHTSA safety rating?

The 2026 Honda Civic earned 5 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

Is the Honda Civic a commonly stolen car?

Yes. It ranks #5 on the NICB national list of most-stolen vehicles, which raises the comprehensive portion of premiums.

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

By our estimate the Honda Civic costs about $1,790 a year versus $1,705 for the Toyota Corolla, making the Toyota Corolla cheaper to insure.

How much is Honda Civic insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $4,915 a year at national-average rates by our estimate.

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