Estimates, not quotes

Honda Civic Insurance Cost in Indiana

Insuring a Honda Civic in Indiana costs about $1,265 a year ($105/month) for full coverage by our estimate — −29% versus the same car nationally — the 8th cheapest 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 Indiana at a glance

Full coverage
$1,265
$1,035–$1,490
25/50/25 minimum
$480
$40/mo
Same car nationally
$1,790
full coverage
Avg. car in IN
$1,135
+11% for the Civic

The Honda Civic is 11% more expensive than the average vehicle to insure in Indiana, reflecting HLDI collision losses of 121 and comprehensive losses of 88 (100 = average). Indiana's own base rates are 28% lower than the national average, which carries through to every model.

Indiana factors that affect Civic premiums

  • Uninsured drivers: 14.0% of Indiana drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your Civic.
  • Theft: 142 vehicle thefts per 100,000 residents (U.S. 197); the Civic is #5 on the national most-stolen list.
  • Weather: FEMA rates Indiana's expected annual losses as relatively moderate for hail, relatively high for tornado, very low for hurricane, relatively moderate for inland (river) flooding, relatively high for strong wind — hail, wind and flood claims fall under comprehensive.
  • Crash risk: 0.94 traffic deaths per 100 million miles (U.S. 1.19).
  • Fault system: At-fault (tort).

Car insurance rules and costs in Indiana →

Honda Civic insurance cost in Indiana cities

CityFull coverageMinimumvs. state
Indianapolis$1,380$525+9%
Fort Wayne$1,340$510+6%
Evansville$1,300$495+3%
Fishers$1,415$540+12%
South Bend$1,320$505+4%
Carmel$1,365$520+8%
Bloomington$1,310$500+4%
Hammond$1,410$540+11%
Westfield$1,365$520+8%

Honda Civic insurance in Indiana by driver

Estimated annual Honda Civic premium in Indiana
DriverMinimumStandardFull coverageFull / month
Teen driver (18, own policy) $1,325 $1,920 $3,475 $290
Young adult (22) $770 $1,120 $2,025 $169
Adult in their 30s $480 $700 $1,265 $105
Adult in their 50s $445 $645 $1,165 $97
Senior (72) $540 $785 $1,415 $118
30s, one at-fault accident $700 $1,015 $1,835 $153
30s, DUI on record $890 $1,295 $2,340 $195

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. $480 $40 $395–$570
Standard liability (100/300/100) Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. $700 $58 $575–$825
Full coverage Standard liability plus collision and comprehensive, typically required on a financed or leased car. $1,265 $105 $1,035–$1,490

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

Rivals in Indiana

ModelFull coverage in INvs. Civic
Toyota Corolla$1,205−5%
Kia Forte$1,460+15%
Toyota Prius$1,145−9%
Hyundai Elantra$1,375+9%

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Estimated annual premium
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Honda Civic insurance cost in every state · All Honda models

Frequently asked questions

How much is Honda Civic insurance in Indiana?

About $1,265 a year ($105 a month) for full coverage and $480 for Indiana's minimum liability, for a driver in their 30s with a clean record. That is 29% less than the national estimate for the same car.

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

The average vehicle in Indiana is about $1,135 a year for full coverage in our model, so the Honda Civic is 11% more expensive than average.

Where in Indiana is Honda Civic insurance cheapest?

Among the largest Indiana cities, Evansville has the lowest estimate (about $1,300) and Fishers the highest (about $1,415).

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

Indiana requires at least 25/50/25 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