How Much Does It Cost to Insure a Honda Civic?
Last Updated on November 27, 2022
The Honda Civic is one of the most popular cars in the United States. In 2021, the Honda Civic was the seventh bestselling car in the United States.
The average Honda Civic driver in the United States pays around $1,302 per year for full coverage car insurance, according to our research. However, rates vary widely based on the model year of your Honda Civic, the value of your car, your state, and your driving history, among other factors.
Keep reading to find out everything you need to know about the cost of insuring a Honda Civic.
Table of Contents:
- Average Honda Civic Insurance Cost
- Factors Impacting the Cost of Honda Civic Insurance
- Which Company Has the Best Honda Civic Insurance?
- Why Is the Honda Civic Cheap to Insure?
- How to Save Money on Honda Civic Insurance
It Costs $1,302 Per Year, On Average, to Insure a Honda Civic
The Honda Civic has relatively affordable car insurance premiums compared to other popular vehicles.
The average Honda Civic driver pays around $1,302 per year for full coverage car insurance, according to our research.
In comparison, the average driver in the United States pays $1,450 per year for the same coverage.
You could pay significantly higher or lower rates based on many factors. Some Honda Civic drivers pay as little as $600 per year for comparable coverage, for example, while others pay over $3,000 per year.
Factors Impacting the Cost of Honda Civic Insurance
The price of Honda Civic insurance varies based on age, gender, driving history, state, vehicle value, model year, and other factors.
Here are some of the biggest factors impacting the price of Honda Civic insurance:
State Insurance Laws: Drivers in Idaho could pay as little as $800 per year to insure a Honda Civic, while drivers in Florida could pay over $2,200 per year to insure that same vehicle. States have different insurance laws, minimum insurance requirements, and other factors impacting the price of auto insurance. These state-by-state differences impact Honda Civic insurance premiums.
Driving History: Insurers use past behavior to assess future risk. If you have a history of crashing your Honda Civic into other vehicles, then you’re more likely to cause similar accidents in the future. Drivers with a clean driving record could pay as little as $400 per year for liability-only coverage for their Honda Civic, while high-risk drivers could pay over $2,500 per year for that same coverage.
ZIP Code: Some drivers live in a high-risk ZIP code with high rates of vehicle theft, high traffic density, and high accident rates. All of these factors impact the price of car insurance in your area. Drivers in high-risk ZIP codes pay more for car insurance than drivers in low-risk ZIP codes.
Insurance Company: USAA has the cheapest Honda Civic insurance premiums, charging under $900 per year for full coverage Honda Civic insurance, on average, across the United States. GEICO, State Farm, Progressive, and other major insurance companies offer similar premiums. Depending on your insurance company, you could pay significantly different premiums for your Honda Civic insurance.
Discount Qualification: Do you qualify for dozens of discounts? Are you bundling your Honda Civic insurance with other car insurance policies or home insurance? If so, you could qualify for significant discounts and savings. Discounts could help you save 20% to 50% off the ordinary cost of car insurance premiums.
Age & Gender: Your age and gender influence risk. Young males pay the highest rates for car insurance, for example, because they’re statistically the riskiest drivers to insure. Middle-aged and older men tend to pay lower rates for car insurance than women of the same age. Drivers in their 50s and 60s pay the cheapest rates for Honda Civic insurance, on average, while drivers in their teens pay the highest rates.
Which Company Has the Best Honda Civic Insurance?
The Honda Civic is a popular and well-known vehicle, and any major insurer in the United States can easily insure a Honda Civic at a competitive price.
Some of the best insurance companies for insuring a Honda Civic, according to our research, include:
- State Farm
- Liberty Mutual
- American Family
These are some of America’s largest insurance companies, and they tend to offer comparable prices for Honda Civic insurance (unless you’re dealing with USAA, which tends to offer much cheaper Honda Civic insurance than competitors). However, these companies also offer varying rates for customer service and claims satisfaction.
Why Is the Honda Civic Cheap to Insure?
Relative to other vehicles, the Honda Civic has cheap car insurance. Here are some of the factors that make the Honda Civic cheap to insure:
Cheap Cost of Repairs & Replacements: The Honda Civic is one of the world’s most popular vehicles, and Honda Civic parts are relatively cheap and easy to procure. You can easily find repair shops to fix your Honda civic, and those repair shops can easily source parts for your Honda Civic. Because your insurer needs to pay for car repair costs after a loss, lower repair costs lead to cheap car insurance.
Strong Safety Ratings: The Honda Civic has impressive safety ratings. Each year, the Honda Civic performs well in crash tests performed by the IIHS and NHTSA. Insurance companies’ biggest costs come from injuries and medical bills. Because the Honda Civic protects drivers better than other vehicles, insurers charge cheaper premiums.
Reasonable MSRP: The Honda Civic is available in multiple models and trims. Compared to other Honda vehicles, like the Accord and CR-V, the Honda Civic is affordable and has a lower MSRP. Your insurer must cover the actual cash value of your vehicle in a covered loss, so a lower vehicle value leads to lower insurance premiums.
Extensive Crash Information & Driving Data: Insurers analyze crash databases to accurately determine insurance premiums. Because the Honda Civic is regularly one of America’s top 10 bestselling vehicles, we have plenty of crash data, allowing insurers to accurately calculate insurance premiums based on risk. We know how well the Honda Civic performs in various types of crashes, making it easier for insurers to manage risk and charge fair premiums. For cars with less extensive crash data, insurers err on the side of caution by charging cheaper rates.
How to Save Money on Honda Civic Insurance
You can save hundreds per year on Honda Civic insurance using the following strategies:
- Take advantage of discounts. Insurers offers discounts on Honda Civic insurance for drivers with low mileage, safe driving history, good grades, multiple home or auto insurance products, and other available discounts.
- Shop around. The best way to save money on Honda Civic insurance is to compare quotes with as many insurers as possible.
- Take a safe driving course. A driver safety course can reduce premiums across all insurers.
- Adjust coverage to match needs. Some drivers are over-insured and carry too much car insurance for what they need. Others are underinsured and carry too little insurance. By adjusting coverage to match your needs, you can pay the best possible insurance premiums.
- Exclude high-risk drivers in your household. Insurers need to know all licensed drivers in your household. If one driver in your household has a bad driving record or poor credit score, it could increase Honda Civic insurance premiums. Exclude drivers in your household to lower premiums.
Final Word – Honda Civic Insurance
The Honda Civic is a popular vehicle with affordable insurance premiums, with the average Honda Civic driver paying around $1,302 per year for full coverage car insurance – nearly $150 less than the average driver in the United States.
As one of the country’s most popular vehicles year after year, the Honda Civic is ubiquitous on roads across the United States.
Compare quotes online to see how much you can expect to pay to insure your Honda Civic.