Car insurance for Honda Civics

Honda Civics may be one of the most popular options for compact sedans. And when it comes to average car insurance rates for Honda Civics, it isn’t much higher than the national average. The average cost of car insurance for full coverage in the United States is $2,014 per year, which is based on a 2021 Toyota Camry. For a Honda Civic, the average car insurance premium is $1,741 for a full coverage policy, according to Bankrate’s 2023 analysis of quoted annual premiums from Quadrant Information Services. To help you determine how rates vary among the best car insurance companies, we looked at some of the factors that can have a significant impact on the cost of insurance for a Honda Civic.

How much does it cost to insure a Honda Civic?

The average American driver pays $1,963 for a full coverage policy on a 2021 Honda Civic, based on quoted annual premiums. Non-vehicle factors that also can affect the cost of car insurance for a Honda Civic include your state, age, credit score, claim history and driving record, depending on your state’s insurance regulations. Additionally, every car insurance provider charges a different rate for the same make and model. Below are some of the factors that impact car insurance costs for a Honda Civic:

• Crash rate stats: The Honda Civic has a reputation for being a very safe vehicle. The 2021 model earned the “top safety pick +” badge from the Insurance Institute for Highway Safety (IIHS). It has good crash ratings for most injury measures and has superior crash prevention ratings.
• Price of parts: Repairing a Honda Civic after an accident is usually inexpensive compared to other vehicles. Most of the parts do not need to be imported from overseas, and this model lacks the bells and whistles that can be expensive to fix on a higher-end vehicle. This can help keep the cost of insurance low, as it means insurers risk less financially on a claim for vehicle repairs.
• Safety features: Newer model-year Honda Civics are equipped with advanced safety features which can help the driver avoid a costly collision. Some models come with multiple rear view cameras, active stability systems and Honda’s Collision Mitigation Braking System. Lower chances of an accident may also help offset insurance costs.

Car insurance for a Honda Civic

When calculating auto insurance rates, the make and model of a car provides crucial information to car insurance companies. Although the Civic has good safety ratings and advanced safety features, there are some variables that can increase the cost of insurance for this make and model, particularly theft. According to the National Insurance Crime Bureau (NICB), Honda Civics are the third-most stolen vehicle in the United States. In 2021, there were 31,363 reported thefts of Civics. The most common model year for theft is the 2000 Honda Civic.

Below is the average car insurance cost for a Honda Civic, but actual rates may vary for every driver based on their unique profile. You could pay more or less than the average annual rate depending on criteria like your age, credit score or accident history. Some states do not allow credit score or age to be used as rating factors for auto insurance. While the only way to know for sure how much you will pay is to get a personalized rate quote, the rates provided below can be useful for the sake of comparison.

Honda Civic features that impact insurance costs

Newer-year Honda Civics are equipped with a long list of advanced safety features. While preventing accidents can help your car insurance premiums, keep in mind that the cost of repair is also a factor in calculating rates. More complicated features can require special skills and parts to repair, driving up the cost. Still, having some of these features could reduce the chance of an accident on the road:

• Active Stability Systems: The Civic is equipped with a number of stability systems, including anti-lock brakes, electronic brake distribution, brake assist and traction control, which will keep the vehicle from skidding or sliding on slick roads.
• Collision Mitigation Braking System: Honda equips its new Civics with the Collision Mitigation Braking System (CMBS), which will automatically apply brake pressure when the car senses an unavoidable collision.
• Road Departure Mitigation System: This system will automatically adjust the vehicle’s steering and braking if the driver changes lanes without signaling.
• Multi-angle rearview cameras: This safety feature helps avoid parking lot fender benders when you put your vehicle in reverse. It also reduces the chance of running into an unseen pedestrian that is crossing behind your vehicle as you back up. 
• Traffic sign recognition: This safety feature utilizes a camera that can notify drivers of posted speed limits.
• Lane keep assist: This feature adjusts your steering to prevent you from drifting out of your lane inadvertently. The lane keep assist system (LKAS) detects what lane you are driving in and keeps you centered. 

Cheapest car insurance companies for Honda Civics

To give you a better sense of what you might pay for Honda Civic car insurance, we provided a comparison of average insurance rates from some of the best car insurance companies that also hold a significant portion of the market share. As you see, these companies charge slightly different amounts for Honda Civic insurance.

Average annual premium for full coverage by model

Other car insurance coverage for a Honda Civic

In most states, drivers are required to carry at least a minimum coverage insurance policy. Additionally, all standard auto policies offer coverage options like bodily injury and property damage liability as well as comprehensive coverage and collision coverage. However, if an insurance company you are considering has these unique coverage options, they could be beneficial for Honda Civic owners:

• Accident forgiveness: Although not offered by every company, this coverage could be one to consider if available. Each company may have its own guidelines for this coverage, but in general, your first at-fault accident would not increase your car insurance policy.
• New car replacement coverage: If your new car was involved in an accident, this coverage would insure your car for its replacement value, rather than its depreciated value. It is typically only available to brand new cars and your insurance company may require you to also carry collision and comprehensive coverage as well.
• Gap insurance: If you have a loan on your Honda Civic, this coverage would help cover the “gap” between the amount owed on the vehicle and the actual cash value (ACV) if it were totaled in an accident. Similar to the new car replacement coverage, vehicles must typically be brand new and meet certain qualifications to be included on the car insurance gap policy.

Although most states have minimum coverage amounts required to legally drive, it is beneficial to consider the risk you may be taking by only carrying the minimum required coverage. If you are in an accident and found at fault, you may be facing financial obligations for damages that are well over the threshold of the minimum coverage limits. It is important to remember that damages, particularly medical expenses, can add up quickly and in a serious accident, these expenses can easily exceed the minimum per person or per accident limits. 

In many states, if you are found at-fault for an accident and do not have enough insurance coverage, you could end up owing the rest of the costs out of pocket and may even face a lawsuit. These obligations could also include damage to your vehicle. If you do not carry collision or comprehensive coverage and your vehicle is damaged, you may have to pay for repairs or replace a totaled vehicle on your own without any help from an insurance policy. Opting for more robust coverage can go a long way in protecting your finances and save you money in the long run.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2023 rates for ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $50,000 property damage liability per accident
• $100,000 uninsured motorist bodily injury per person
• $300,000 uninsured motorist bodily injury per accident
• $500 collision deductible
• $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2021 Toyota Camry, commute five days a week and drive 12,000 miles annually. Additional makes and models included in this review include:

• 2021 Honda Civic

These are sample rates and should only be used for comparative purposes.