Honda Civic Insurance Cost
The Honda Civic is a compact sedan with an average insurance cost of $1,420/yr. It carries a 5/5 NHTSA safety rating and high theft risk. See how costs break down by year below.
Quote My Civic$1,420/yr
Avg. Annual Insurance
5/5 NHTSA
Safety Rating
High
Theft Risk
Compact Sedan
Body Type
Insurance Cost by Year — Honda Civic
About Honda Civic Insurance
The Honda Civic is a popular compact sedan that averages $1,420/yr in annual insurance premiums. This places it below the national average of approximately $1,770 per year.
With a 5/5 NHTSA safety rating, the Civic is considered a very safe vehicle by insurers. Strong safety ratings can qualify you for discounts with many carriers. The high theft risk also contributes to higher comprehensive coverage premiums.
Insurance costs vary by model year — newer Civics (2026-2025) cost about 5-10% more due to higher replacement values, while older models (2020-2021) can be 10-15% cheaper as they depreciate.
Frequently Asked Questions
How much does Honda Civic insurance cost?
The average insurance cost for a Honda Civic is $1,420/yr. Actual rates vary based on your model year, driving record, location, and coverage levels. Newer model years cost 5-10% more while older years can be 5-15% cheaper.
Is the Honda Civic expensive to insure?
Compared to the national average of about $1,770/yr, the Honda Civic at $1,420/yr is below average in insurance cost. As a compact sedan, it falls within the typical range for its class.
What is the Honda Civic's safety rating?
The Honda Civic has a 5/5 NHTSA safety rating. Strong safety ratings can help lower your insurance premiums, as vehicles with better crash protection result in fewer and less severe injury claims.
Is the Honda Civic a theft target?
The Honda Civic has a high theft risk rating. Higher theft risk means comprehensive coverage will be more expensive. Consider anti-theft devices for potential discounts.
How can I get cheap Honda Civic insurance?
Compare quotes from multiple carriers (Truvo compares 40+ for free), consider a higher deductible, maintain a clean driving record, bundle auto and home insurance, and ask about discounts for safety features, good student status, or low mileage.
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