Estimates, not quotes

Honda Civic Insurance Cost in Washington, D.C.

Insuring a Honda Civic in Washington, D.C. costs about $2,255 a year ($188/month) for full coverage by our estimate — +26% versus the same car nationally — the 4th 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 Washington, D.C. at a glance

Full coverage
$2,255
$1,850–$2,660
25/50/10 minimum
$885
$74/mo
Same car nationally
$1,790
full coverage
Avg. car in DC
$2,005
+12% for the Civic

The Honda Civic is 12% more expensive than the average vehicle to insure in Washington, D.C., reflecting HLDI collision losses of 121 and comprehensive losses of 88 (100 = average). Washington, D.C.'s own base rates are 31% higher than the national average, which carries through to every model.

Washington, D.C. factors that affect Civic premiums

  • Uninsured drivers: 23.1% of Washington, D.C. drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your Civic.
  • Theft: 674 vehicle thefts per 100,000 residents (U.S. 197); the Civic is #5 on the national most-stolen list.
  • Weather: FEMA rates Washington, D.C.'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: 1.33 traffic deaths per 100 million miles (U.S. 1.19).
  • Fault system: At-fault (tort).

Car insurance rules and costs in Washington, D.C. →

Honda Civic insurance cost in Washington, D.C. cities

CityFull coverageMinimumvs. state
Washington$2,255$8850%

Honda Civic insurance in Washington, D.C. by driver

Estimated annual Honda Civic premium in Washington, D.C.
DriverMinimumStandardFull coverageFull / month
Teen driver (18, own policy) $2,430 $3,525 $6,205 $517
Young adult (22) $1,415 $2,050 $3,610 $301
Adult in their 30s $885 $1,280 $2,255 $188
Adult in their 50s $815 $1,180 $2,075 $173
Senior (72) $990 $1,435 $2,525 $210
30s, one at-fault accident $1,280 $1,860 $3,270 $273
30s, DUI on record $1,635 $2,375 $4,175 $348

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. $885 $74 $725–$1,045
Standard liability (100/300/100) Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. $1,280 $107 $1,050–$1,515
Full coverage Standard liability plus collision and comprehensive, typically required on a financed or leased car. $2,255 $188 $1,850–$2,660

Washington, D.C. minimum: 25/50/10 liability coverage. Lenders require collision and comprehensive on financed or leased cars.

Rivals in Washington, D.C.

ModelFull coverage in DCvs. Civic
Toyota Corolla$2,145−5%
Kia Forte$2,600+15%
Toyota Prius$2,020−10%
Hyundai Elantra$2,445+8%

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Honda Civic insurance cost in every state · All Honda models

Frequently asked questions

How much is Honda Civic insurance in Washington, D.C.?

About $2,255 a year ($188 a month) for full coverage and $885 for Washington, D.C.'s minimum liability, for a driver in their 30s with a clean record. That is 26% more than the national estimate for the same car.

Is the Honda Civic cheaper to insure than the average car in Washington, D.C.?

The average vehicle in Washington, D.C. is about $2,005 a year for full coverage in our model, so the Honda Civic is 12% more expensive than average.

Where in Washington, D.C. is Honda Civic insurance cheapest?

Among the largest Washington, D.C. cities, Washington has the lowest estimate (about $2,255) and Washington the highest (about $2,255).

What insurance do I need for a Honda Civic in Washington, D.C.?

Washington, D.C. 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