Estimates, not quotes

Honda Civic Insurance Cost in Vermont

Insuring a Honda Civic in Vermont costs about $1,145 a year ($96/month) for full coverage by our estimate — −36% versus the same car nationally — the 3rd 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 Vermont at a glance

Full coverage
$1,145
$940–$1,355
25/50/10 minimum
$380
$32/mo
Same car nationally
$1,790
full coverage
Avg. car in VT
$1,035
+11% for the Civic

The Honda Civic is 11% more expensive than the average vehicle to insure in Vermont, reflecting HLDI collision losses of 121 and comprehensive losses of 88 (100 = average). Vermont's own base rates are 30% lower than the national average, which carries through to every model.

Vermont factors that affect Civic premiums

  • Uninsured drivers: 11.8% of Vermont drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your Civic.
  • Theft: 48 vehicle thefts per 100,000 residents (U.S. 197); the Civic is #5 on the national most-stolen list.
  • Weather: FEMA rates Vermont's expected annual losses as very low for hail, relatively low for tornado, very low for hurricane, relatively low for inland (river) flooding, relatively low for strong wind — hail, wind and flood claims fall under comprehensive.
  • Crash risk: 0.82 traffic deaths per 100 million miles (U.S. 1.19).
  • Fault system: At-fault (tort).

Car insurance rules and costs in Vermont →

Honda Civic insurance cost in Vermont cities

CityFull coverageMinimumvs. state
Burlington$1,340$440+17%
South Burlington$1,245$410+9%
Rutland$1,250$415+9%
Essex Junction$1,300$430+14%
Winooski$1,405$465+23%
Barre$1,280$425+12%
Montpelier$1,205$400+5%
St. Albans$1,365$455+19%

Honda Civic insurance in Vermont by driver

Estimated annual Honda Civic premium in Vermont
DriverMinimumStandardFull coverageFull / month
Teen driver (18, own policy) $1,040 $1,510 $3,155 $263
Young adult (22) $605 $880 $1,835 $153
Adult in their 30s $380 $550 $1,145 $95
Adult in their 50s $350 $505 $1,055 $88
Senior (72) $425 $615 $1,285 $107
30s, one at-fault accident $550 $795 $1,665 $139
30s, DUI on record $700 $1,015 $2,120 $177

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. $380 $32 $310–$445
Standard liability (100/300/100) Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. $550 $46 $450–$650
Full coverage Standard liability plus collision and comprehensive, typically required on a financed or leased car. $1,145 $96 $940–$1,355

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

Rivals in Vermont

ModelFull coverage in VTvs. Civic
Toyota Corolla$1,090−5%
Kia Forte$1,320+15%
Toyota Prius$1,060−7%
Hyundai Elantra$1,260+10%

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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 Vermont?

About $1,145 a year ($96 a month) for full coverage and $380 for Vermont's minimum liability, for a driver in their 30s with a clean record. That is 36% less than the national estimate for the same car.

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

The average vehicle in Vermont is about $1,035 a year for full coverage in our model, so the Honda Civic is 11% more expensive than average.

Where in Vermont is Honda Civic insurance cheapest?

Among the largest Vermont cities, Montpelier has the lowest estimate (about $1,205) and Winooski the highest (about $1,405).

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

Vermont 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