Estimates, not quotes

Honda Civic Insurance Cost in New York

Insuring a Honda Civic in New York costs about $2,420 a year ($202/month) for full coverage by our estimate — +35% versus the same car nationally — the 3rd 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 New York at a glance

Full coverage
$2,420
$1,985–$2,855
25/50/10 minimum
$1,110
$92/mo
Same car nationally
$1,790
full coverage
Avg. car in NY
$2,130
+14% for the Civic

The Honda Civic is 14% more expensive than the average vehicle to insure in New York, reflecting HLDI collision losses of 121 and comprehensive losses of 88 (100 = average). New York's own base rates are 37% higher than the national average, which carries through to every model.

New York factors that affect Civic premiums

  • Uninsured drivers: 8.6% of New York drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your Civic.
  • Theft: 126 vehicle thefts per 100,000 residents (U.S. 197); the Civic is #5 on the national most-stolen list.
  • Weather: FEMA rates New York's expected annual losses as relatively low for hail, relatively moderate for tornado, relatively moderate for hurricane, relatively high for inland (river) flooding, relatively high for strong wind — hail, wind and flood claims fall under comprehensive.
  • Crash risk: 0.91 traffic deaths per 100 million miles (U.S. 1.19).
  • Fault system: No-fault, with required personal injury protection.

Car insurance rules and costs in New York →

Honda Civic insurance cost in New York cities

CityFull coverageMinimumvs. state
New York City$2,940$1,345+21%
Buffalo$2,245$1,030−7%
Yonkers$2,685$1,230+11%
Rochester$2,205$1,015−9%
Syracuse$2,185$1,000−10%
Albany$2,200$1,010−9%
New Rochelle$2,560$1,175+6%
Mount Vernon$2,720$1,250+12%
Plattsburgh$2,090$965−14%

Honda Civic insurance in New York by driver

Estimated annual Honda Civic premium in New York
DriverMinimumStandardFull coverageFull / month
Teen driver (18, own policy) $3,045 $4,420 $6,660 $555
Young adult (22) $1,775 $2,570 $3,875 $323
Adult in their 30s $1,110 $1,605 $2,420 $202
Adult in their 50s $1,020 $1,480 $2,225 $185
Senior (72) $1,240 $1,800 $2,710 $226
30s, one at-fault accident $1,605 $2,330 $3,510 $293
30s, DUI on record $2,050 $2,975 $4,480 $373

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. $1,110 $92 $910–$1,310
Standard liability (100/300/100) Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. $1,605 $134 $1,320–$1,895
Full coverage Standard liability plus collision and comprehensive, typically required on a financed or leased car. $2,420 $202 $1,985–$2,855

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

Rivals in New York

ModelFull coverage in NYvs. Civic
Toyota Corolla$2,315−4%
Kia Forte$2,805+16%
Toyota Prius$2,105−13%
Hyundai Elantra$2,590+7%

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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 New York?

About $2,420 a year ($202 a month) for full coverage and $1,110 for New York's minimum liability, for a driver in their 30s with a clean record. That is 35% more than the national estimate for the same car.

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

The average vehicle in New York is about $2,130 a year for full coverage in our model, so the Honda Civic is 14% more expensive than average.

Where in New York is Honda Civic insurance cheapest?

Among the largest New York cities, Plattsburgh has the lowest estimate (about $2,090) and New York City the highest (about $2,940).

What insurance do I need for a Honda Civic in New York?

New York 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