The 2024 Honda Civic costs an average of $1,620 per year ($135/month) to insure for full coverage — $384 below the national average.
How Much Does It Cost to Insure a Honda Civic?
The average cost to insure a 2024 Honda Civic is $1,620 per year ($135/month) for full coverage — $384 below the national average of $2,004. This vehicle's insurance cost is driven by strong safety ratings, though older Civic models have elevated comprehensive premiums due to high theft.
| Insurer | Full Coverage/Yr | Liability Only/Yr | Best For |
|---|---|---|---|
| Geico | $1,360 | $518 | Clean record drivers |
| State Farm | $1,571 | $599 | Local agent experience |
| Progressive | $1,749 | $664 | High-risk drivers |
| Allstate | $1,927 | $729 | New car replacement |
| Nationwide | $1,474 | $567 | Safe driver rewards |
| USAA | $1,182 | $453 | Military only |
What Factors Determine Honda Civic Insurance Rates
- Model year: Newer Honda Civic models cost more to insure due to higher vehicle values and more expensive technology components.
- Trim level: Higher trim levels with more features cost more since repairs are more expensive.
- Your location: Honda Civic insurance rates can vary by 50–100% between states.
- Your driving record: Your personal driving history affects your rate far more than the vehicle itself.
- Deductible choice: A $1,000 deductible instead of $500 reduces your Honda Civic premium by approximately 15–20 percent.
Cheapest Way to Insure a Honda Civic
- Compare at least 5 insurers — rates for the Honda Civic vary significantly between companies.
- Bundle your Honda Civic insurance with home or renters insurance for 10–25% multi-policy savings.
- Choose a higher deductible to save 15–20 percent on collision and comprehensive.
- Enroll in a telematics program if you are a safe driver for 10–30% additional savings.
- Ask about anti-theft and safety feature discounts that apply to the Honda Civic.
Pro Tip
Get insurance quotes for the Honda Civic before purchasing. The difference in insurance cost between trim levels and model years can be $400–$800 per year — a significant factor in total 5-year ownership cost.