Honda Civic Insurance Cost: Average Price and Risk Factors

Compact car popular with younger buyers. Theft rates can vary by trim and region. Insurance for the Honda Civic is influenced by repair costs, safety ratings, and theft risk. We outline how these factors affect your likely premium and how to compare quotes.

State averages, your age, driving history, and coverage level all affect your quote. Use state-level estimates as a starting point, then get quotes from several insurers to find the best rate for your situation.

Insurance costs for this vehicle typically sit near the average for its segment. Repair costs, theft risk, and safety ratings tend to balance out in insurer pricing.

Your own rate will also depend on your state, age, and driving record. Compare quotes from multiple companies to see how the Honda Civic is priced for your profile.

Moderate repair costs mean insurers do not add a large surcharge for parts and labor. Rates reflect typical claim costs for this segment.

For the Honda Civic, repair cost is classified as moderate. Choosing a higher deductible can lower your premium if you can afford the out-of-pocket cost after a claim.

Theft risk for this vehicle is somewhat above average. In regions where theft is common, comprehensive coverage may cost more.

Theft risk for the Honda Civic is rated elevated. In areas with high theft rates, comprehensive coverage will cost more. You can still shop around to find the best price.

Younger drivers are a large share of owners. Because age is a key rating factor, insurance for this vehicle can be costlier for those drivers.

Insurers use data on who typically drives the Honda Civic to set rates. Your own age, location, and driving history will have a large impact on your final premium.

Insurance cost compared with similar vehicles in the same segment or type:

• Toyota Camry
• Honda Accord
• Tesla Model 3
• Nissan Altima
• Toyota Corolla
• Hyundai Elantra
• Kia Optima
• Volkswagen Jetta

Rates for the Honda Civic vary by state. Use the links below to see state-level estimates and scenario pages.

• Alabama
• Alaska
• Arizona
• Arkansas
• California
• Colorado
• Connecticut
• Delaware
• Florida
• Georgia
• Hawaii
• Idaho
• Illinois
• Indiana
• Iowa
• Kansas
• Kentucky
• Louisiana

You can often lower your premium for the Honda Civic by shopping around and taking advantage of discounts.

• Bundle auto with home or renters insurance for a multi-policy discount.
• Ask about good driver, good student, and pay-in-full discounts.
• Compare quotes from at least three insurers; rates vary widely by company.
• Consider a higher deductible if you can afford the out-of-pocket cost after a claim.
• Some insurers offer usage-based programs that can lower rates for safe driving.