Everything You Need to Know

Are you wondering about the insurance cost for a Honda Civic? This car has been known as a great value for generations, making it one of the best-selling vehicles in the United States. Civic fans appreciate the outstanding fuel economy and impressive safety ratings. This classic is a reliable vehicle at an affordable price. Here’s what you need to know about the expense associated with insuring your new or preowned Honda Civic.

Average Cost of Honda Civic Insurance

According to data from NerdWallet finance blog reported by Cover.com, the Civic is the 18th cheapest vehicle to insure in the U.S. You’ll pay about $1876 per year for insurance on your late-model Honda Civic.

Coverhound notes the average six-month insurance cost for various Honda Civic model years as follows:

  • $691.28 for a 2009 Civic
  • $695.10 for a 2010 Civic
  • $719.18 for a 2011 Civic
  • $736.15 for a 2012 Civic
  • $751.06 for a 2013 Civic

    These numbers consider the average cost of insuring a Civic in all 50 states.

    Factors that Contribute to Insurance Costs

    Insurance companies set an auto insurance premium for each vehicle based on its vulnerability to damage, cost of replacement in the event of a loss, rate of vehicle theft, and safety ratings for the model. Here’s how the Civic stacks up in those categories.

    Susceptibility to Damage

    The National Highway and Traffic Safety Administration ranks vehicles in terms of damage susceptibility. The Honda Civic has a 109, which places it above the average for all vehicles (100) but slightly below the 119 average score of its competitors.

    Cost of Repairs

    As an imported vehicle, the Honda Civic has higher replacement costs compared to domestic cars in its class. However, because it’s so popular and affordable, this model offers relatively cheap repairs compared to those for other foreign cars.

    Rate of Thefts

    The cost to insure a Honda Civic increases a bit because of the vehicle’s relatively high theft rates. However, because there are so many Civics on the road, it makes sense that they are stolen more often than less ubiquitous cars. These vehicles also have high-value parts because you can use them in other Civics of various model years. While older Civics have an ignition block that a thief can easily crack, newer models have enhanced safeguards.

    Safety Ratings

    The Civic’s impressive safety ratings work in its favor when it comes to insurance costs. Every model year earns consistently high crash test scores from the Insurance Institute for Highway Safety (IIHS) and the National Highway Traffic Safety Administration (NHTSA).

    Cost of Repair or Replacement

    The website Cover.com notes that the relatively low MSRP of the Honda Civic also helps lower its insurance premium costs. That’s because the insurance company looks at how much they would have to pay to repair or replace your vehicle after a loss.

    Driver Age

    Small compact cars may represent an increased risk for insurance companies. Because younger, less experienced drivers often purchase these vehicles, many insurers increase the premium cost for small cars.

    This is especially true for drivers who are younger than 25. For this reason, you could pay up to 10 percent over the cost of a Civic to purchase insurance for the vehicle, compared to an average of about 7 percent for a Honda CR-V or comparable SUV. In fact, Value Penguin notes that the Civic is the most expensive Honda to insure.

    Speaking of age, it also plays a role in the cost of insuring your vehicle. According to Expert Insurance Reviews, a 30-year-old who drives a Honda Civic will pay nearly $1900 less for an annual insurance policy than a driver who is 20 would pay.

    Model Year and Trim

    The 2019 model costs the most at an average of 6 percent more to insure than other model years ($2502). The averages for other models are as follows:

    • 2018 Honda Civic: $2474 per month and $8727 per year
    • 2017 Honda Civic $2413 per month and $8546 per year
    • 2016 Honda Civic $2347 per month and $8321 per year
    • 2015 Honda Civic $2190 per month and $7821 per year
    • 2014 Honda Civic $2291 per month and $8146 per year

      The model and trim level you choose can also affect the cost of insuring your Honda Civic. For example, sportier models such as two-door coupes cost more to insure than sedans do.

      Geographic Location

      Location is a factor for insurance companies since your geography potentially increases your risk for accidents, theft, and other claims. If you live in Los Angeles, your Civic insurance could cost at least $1321 more per year than for a driver who lives in the Midwest.

      Driving History

      If you have tickets, insurance claims, or violations on your driving record, you will see the cost of your Civic insurance increase. This impact especially affects adolescent and drivers in their 20s. Value Penguin reports an average monthly payment of $197.50 to insure a Civic for a 30-year-old owner.

      Insurance Company

      If you’re looking for the cheapest insurance for your Honda Civic, ValuePenguin recommends State Farm. This company has an average yearly premium rate of $1642 for a 2018 Honda Civic. Yearly averages from other companies for this make and model include:

      • USAA: $622 per year
      • GEICO: $655 per year
      • State Farm: $665 per year
      • Erie: $704 per year
      • Progressive: $778 per year
      • Nationwide: $1007 per year

        Strategies to Save on Honda Civic Insurance

        These techniques can help you find an affordable insurance policy for your Honda Civic:

        • Share a policy with an older or more experienced driver, especially if you are new to the road.
        • Rent out your new Honda Civic with a service such as Turo to offset the cost of insurance.
        • Ask about discounts for bundling insurance policies, taking defensive driving courses, or earning good grades.
        • Shop around with different companies to get the best possible quote.
        • Remove or reduce comprehensive and collision insurance on your policy if possible. If you lease or finance your Civic, however, you may be required to keep these policies until your lease ends or you repay the auto loan.

          The Honda Civic earns its rep as one of the most reliable vehicles on the road. Refer to this guide when you’re ready to find the best insurance for your new Civic.

          Sources:

          https://www.valuepenguin.com/cost-of-honda-car-insurance

          https://cover.com/blog/honda-civic-insurance/

          https://coverhound.com/insurance-learning-center/insuring-your-honda-civic

          https://www.expertinsurancereviews.com/what-is-the-best-car-insurance-for-a-honda-civic/

          https://www.caranddriver.com/features/g15381133/honda-civic-models-history/

          https://www.caranddriver.com/honda/civic

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