Estimates, not quotes

Honda Civic Insurance Cost in Delaware

Insuring a Honda Civic in Delaware costs about $2,020 a year ($168/month) for full coverage by our estimate — +13% versus the same car nationally — the 10th most expensive of 51 states for this model.

Honda Civic (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 in Delaware at a glance

Full coverage
$2,020
$1,655–$2,385
25/50/10 minimum
$955
$80/mo
Same car nationally
$1,790
full coverage
Avg. car in DE
$1,770
+14% for the Civic

The Honda Civic is 14% more expensive than the average vehicle to insure in Delaware, reflecting HLDI collision losses of 121 and comprehensive losses of 88 (100 = average). Delaware's own base rates are 14% higher than the national average, which carries through to every model.

Delaware factors that affect Civic premiums

  • Uninsured drivers: 17.6% of Delaware drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your Civic.
  • Theft: 188 vehicle thefts per 100,000 residents (U.S. 197); the Civic is #5 on the national most-stolen list.
  • Weather: FEMA rates Delaware's expected annual losses as very low for hail, relatively low for tornado, relatively low for hurricane, relatively low for inland (river) flooding, relatively low for strong wind — hail, wind and flood claims fall under comprehensive.
  • Crash risk: 1.27 traffic deaths per 100 million miles (U.S. 1.19).
  • Fault system: At-fault (tort), with required personal injury protection.

Car insurance rules and costs in Delaware →

Honda Civic insurance cost in Delaware cities

CityFull coverageMinimumvs. state
Wilmington$2,240$1,060+11%
Dover$2,060$975+2%
Newark$2,065$975+2%
Middletown$2,215$1,050+10%
Milford$2,055$970+2%
Smyrna$2,290$1,085+13%
Seaford$2,170$1,025+7%
Georgetown$2,175$1,025+8%

Honda Civic insurance in Delaware by driver

Estimated annual Honda Civic premium in Delaware
DriverMinimumStandardFull coverageFull / month
Teen driver (18, own policy) $2,630 $3,810 $5,555 $463
Young adult (22) $1,530 $2,215 $3,230 $269
Adult in their 30s $955 $1,385 $2,020 $168
Adult in their 50s $880 $1,275 $1,860 $155
Senior (72) $1,070 $1,550 $2,260 $188
30s, one at-fault accident $1,385 $2,010 $2,930 $244
30s, DUI on record $1,770 $2,565 $3,735 $311

Coverage levels

Estimated premium by coverage level (driver in their 30s, clean record)
Coverage levelWhat it includesPer yearPer monthTypical range
State minimum liability Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. $955 $80 $785–$1,130
Standard liability (100/300/100) Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. $1,385 $115 $1,135–$1,635
Full coverage Standard liability plus collision and comprehensive, typically required on a financed or leased car. $2,020 $168 $1,655–$2,385

Delaware minimum: 25/50/10 liability coverage. Lenders require collision and comprehensive on financed or leased cars.

Rivals in Delaware

ModelFull coverage in DEvs. Civic
Toyota Corolla$1,930−4%
Kia Forte$2,340+16%
Toyota Prius$1,745−14%
Hyundai Elantra$2,155+7%

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Honda Civic insurance cost in every state · All Honda models

Frequently asked questions

How much is Honda Civic insurance in Delaware?

About $2,020 a year ($168 a month) for full coverage and $955 for Delaware's minimum liability, for a driver in their 30s with a clean record. That is 13% more than the national estimate for the same car.

Is the Honda Civic cheaper to insure than the average car in Delaware?

The average vehicle in Delaware is about $1,770 a year for full coverage in our model, so the Honda Civic is 14% more expensive than average.

Where in Delaware is Honda Civic insurance cheapest?

Among the largest Delaware cities, Milford has the lowest estimate (about $2,055) and Smyrna the highest (about $2,290).

What insurance do I need for a Honda Civic in Delaware?

Delaware requires at least 25/50/10 liability coverage. If the car is financed or leased, the lender will also require collision and comprehensive.

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