+120 more*These quotes are from Compare.com users within the last 10 days. Updated on September 14, 2026
*These quotes are from Compare.com users within the last 10 days. Updated on September 14, 2026
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Licensed property and casualty insurance agent
NPN: 21630969
Updated
Honda Civic insurance costs around $160 per month, which is just below the national average for all vehicles.
USAA is the cheapest Honda Civic insurer, averaging $85 per month.
Civic insurance rates are lower thanks to solid safety features, a high resale value, and relatively low repair costs compared to many sedans.
The cost of car insurance for a Honda Civic varies depending on the type of policy you choose.
Liability-only policies cover bodily injury and property damage you cause to others, but not your injuries or vehicle. Full coverage includes collision insurance, which pays for damage to your Civic after a crash, and comprehensive coverage, which offers financial protection for non-collision events like fire or theft.[1]
The table below shows average insurance premiums for a Honda Civic compared to all vehicles, according to Compare.com data.
Vehicle | Average Liability Premium | Average Full-Coverage Premium | Overall Average Premium |
|---|---|---|---|
| Honda Civic | $113 | $207 | $160 |
| All vehicles | $114 | $210 | $162 |
Honda Civic insurance averages $113 per month for liability coverage and $207 per month for full coverage, which is slightly cheaper than the average for all vehicles. That makes the Civic a more affordable option compared to many cars on the road.
In the sections below, we break down how Honda Civic insurance rates vary by model year, driver age, location, driving history, coverage choices, and insurer.
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Car insurers weigh factors like driver profiles, location, and coverage options differently. This is why car insurance rates can vary widely, even for the same Honda Civic.
The following table shows the cheapest car insurance companies for the Civic, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $85 |
| State Farm | $94 |
| Allstate | $121 |
| American Family | $128 |
| GEICO | $132 |
| CSAA | $144 |
| Nationwide | $156 |
| Progressive | $159 |
| Travelers | $163 |
| Farmers | $184 |
| Liberty Mutual | $219 |
| Amica | $414 |
| User Reviews | 4.2 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.6 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
USAA has some of the cheapest insurance rates for the Honda Civic, making it a great choice if you’re on a budget.
Besides its standard coverage options, USAA offers car replacement assistance, which gives you 20% above your vehicle’s value if it’s a total loss. You can use that amount to pay off your loan if you owe more than what your Civic is worth, or for a down payment on a newer car.
Low average rates
Strong customer satisfaction rating
Available only to military members and their families
Few physical branches
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.5 | 3.6 |
| Discounts | 4.3 | 2.9 |
| Policy transparency | 4.3 | 3.1 |
| Value | 4.2 | 2.9 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm is a great choice for safe drivers, renters, and homeowners. It offers good driver and defensive driving course car insurance discounts for those who qualify. You can also earn up to 30% in savings with its Drive Safe & Save telematics program. Or bundle home, renters, or life insurance with your Civic insurance to save even more.
Broad agent network
Available rideshare insurance
Gap insurance not available
Poor Trustpilot rating
| User Reviews | 3.7 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Allstate's score | Industry average | |
|---|---|---|
| Coverage options | 4.3 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 4.4 | 2.9 |
| Policy transparency | 4.2 | 3.1 |
| Value | 4.1 | 2.9 |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Allstate isn’t the cheapest insurance company, but its available coverage options may be just what you need to cover your Civic. You can also choose from optional add-ons like extended vehicle care, gap insurance, accident forgiveness, and rideshare insurance. Low-mileage Civic drivers may save more with Milewise, Allstate’s pay-per-mile insurance plan.
Extended warranty coverage available
Accident forgiveness available
Below-average claims satisfaction
Fewer overall discounts
Newer vehicles typically cost more to insure because they’re more expensive to repair or replace, while older models are usually cheaper but may offer fewer safety features. Insuring a 2022–2026 Honda Civic averages around $193 per month, with rates dropping steadily for older models.
Check out the table below to see how insurance rates and the cheapest insurers vary by Honda Civic model year, according to Compare.com data.
Civic Model Year | Average Monthly Premium |
|---|---|
| 2026 | $192 |
| 2025 | $193 |
| 2024 | $193 |
| 2023 | $193 |
| 2022 | $193 |
| 2021 | $186 |
| 2020 | $178 |
| 2019 | $174 |
| 2018 | $168 |
| 2017 | $165 |
| 2016 | $160 |
| 2015 | $156 |
| 2014 | $154 |
| 2013 | $146 |
| 2012 | $142 |
| 2011 | $138 |
| 2010 | $136 |
| 2009 | $131 |
| 2008 | $130 |
| 2007 | $128 |
| 2006 | $126 |
| 2005 | $123 |
| 2004 | $120 |
| 2003 | $118 |
| 2002 | $119 |
| 2001 | $119 |
| 2000 | $118 |
Where you live plays a major role in how much you pay for Honda Civic car insurance. Drivers in urban areas often pay more because of a higher risk of accidents, theft, and vandalism. If you live in a rural area, rates are usually cheaper. Insurers also factor in local repair costs and weather patterns.[2]
The map below shows how Honda Civic car insurance rates vary by state, according to Compare.com data.
State | Average Monthly Premium |
|---|---|
| Alabama | $132 |
| Arizona | $141 |
| Arkansas | $152 |
| California | $172 |
| Colorado | $172 |
| Connecticut | $238 |
| Delaware | $200 |
| Florida | $186 |
| Georgia | $213 |
| Hawaii | $106 |
| Idaho | $88 |
| Illinois | $133 |
| Indiana | $109 |
| Iowa | $90 |
| Kansas | $124 |
| Kentucky | $165 |
| Louisiana | $179 |
| Maine | $117 |
| Maryland | $254 |
| Massachusetts | $126 |
| Michigan | $193 |
| Minnesota | $146 |
| Mississippi | $126 |
| Missouri | $152 |
| Montana | $125 |
| Nebraska | $121 |
| Nevada | $212 |
| New Hampshire | $73 |
| New Jersey | $225 |
| New Mexico | $121 |
| New York | $184 |
| North Carolina | $74 |
| North Dakota | $98 |
| Ohio | $103 |
| Oklahoma | $143 |
| Oregon | $128 |
| Pennsylvania | $135 |
| Rhode Island | $184 |
| South Carolina | $205 |
| South Dakota | $116 |
| Tennessee | $119 |
| Texas | $183 |
| Utah | $126 |
| Vermont | $120 |
| Virginia | $150 |
| Washington | $142 |
| District of Columbia | $263 |
| West Virginia | $123 |
| Wisconsin | $101 |
| Wyoming | $94 |
Your age also significantly affects car insurance rates for your Civic since insurers consider your driving experience and accident risk. Teen drivers pay the most due to higher accident rates, but premiums generally drop as drivers gain experience. Seniors typically pay the lowest rates, at $138 per month — less than half the $307 average monthly rate for teens.
Let’s take a look at how Honda Civic insurance costs vary by age group, according to Compare.com data.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $307 |
| Adults | $160 |
| Seniors | $138 |
Find the best policy for your Civic.
Teens and young drivers have the least experience behind the wheel and the highest crash rates, making them the most expensive to insure. Car accidents are a leading cause of preventable death for drivers younger than 25, according to the National Highway Traffic Safety Administration (NHTSA).[3]
The good news is that rates vary widely by insurer, so shopping around can help you pay less for auto insurance.
We break down the cheapest car insurance companies for Honda Civic drivers younger than 25 in the chart below, according to Compare.com data.
Category | Price |
|---|---|
| USAA | $136 |
| State Farm | $150 |
| Allstate | $194 |
| American Family | $205 |
| GEICO | $211 |
Seniors often drive less and avoid risky situations more than any other age group. These driving habits usually lead to fewer accidents, so seniors pay less for car insurance than younger drivers.[4] Some insurers even offer senior-specific discounts, helping older drivers save even more.
Check out the chart below for the cheapest Honda Civic insurance companies for senior drivers, according to Compare.com data.
Category | Price |
|---|---|
| USAA | $72 |
| State Farm | $80 |
| Allstate | $103 |
| American Family | $109 |
| GEICO | $112 |
Your driving record affects your Honda car insurance rates since insurers use past behavior to predict future risk.
Even a single speeding ticket can cause your rate to jump, and an at-fault accident or driving under the influence (DUI) conviction will increase your monthly premium even more. Driving history can affect rates for several years, depending on the severity and state laws.
The table below shows average monthly premiums for Honda Civic drivers based on driving record, according to Compare.com data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $160 |
| Speeding ticket | $217 |
| At-fault accident | $229 |
| DUI | $269 |
Honda Civic rates increase substantially from $160 per month with a clean driving record to $269 after a DUI conviction.
Speeding means you have less control of your vehicle, need extra stopping distance, and are more likely to get into a serious crash.[5] That’s why insurers usually raise rates if you get a speeding ticket.
You can likely avoid a premium increase by comparing car insurance quotes from some of the companies in the chart below. These insurers offer the cheapest rates for Honda Civic drivers with a speeding ticket, according to Compare.com data.
Category | Price |
|---|---|
| USAA | $110 |
| State Farm | $117 |
| Allstate | $157 |
| American Family | $166 |
| CSAA | $176 |
An at-fault accident typically raises your insurance costs because past crashes are a strong predictor of future claims.[6] Fortunately, companies weigh accidents and claims history differently, so comparing quotes can help limit higher rates.
The chart below shows the cheapest auto insurers for a Honda Civic driver with an at-fault accident, based on Compare.com data.
Category | Price |
|---|---|
| USAA | $111 |
| State Farm | $120 |
| Allstate | $157 |
| GEICO | $160 |
| American Family | $167 |
Drivers with a DUI face the steepest insurance rate increases of any driving infraction since insurers see them as high risk. Many insurance companies also choose not to renew your insurance policy after a DUI conviction.
That said, if you need to insure your Civic after a DUI, some insurers specialize in high-risk drivers and offer more favorable pricing. The following chart shows some of the cheapest insurers for Honda Civic drivers with a DUI, according to Compare.com data.
Category | Price |
|---|---|
| USAA | $124 |
| State Farm | $138 |
| Allstate | $177 |
| GEICO | $180 |
| American Family | $187 |
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Several key factors affect how much you pay for Honda Civic auto insurance:
Vehicle value: A 2026 Honda Civic LX costs $25,745, with the top trim level, the Si, topping out at $32,145.[7] The higher manufacturer’s suggested retail price (MSRP) and sports-car performance mean you can expect to pay more to insure a Civic Si than a base-model Civic LX.
Repair costs: The Honda Civic has one of the best resale values and affordable repair costs, making it a cheaper sedan to insure.
Safety features: New Civics come standard with advanced Honda Sensing safety tech like lane-keep assist and automatic braking, qualifying some Civic owners for a safety features discount and cheaper premiums.
Compare quotes from top insurers side by side.
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Honda Civics are already affordable to insure, but following these tips can help lower rates even more:
Adjust your deductible. Raising your deductible can lower your monthly premium, especially if you have savings to cover the higher cost after a claim.
Choose the right insurance coverage. Older Civics may only need liability, but full coverage usually makes sense for a new car.
Maintain a good credit history. Because insurers use credit-based insurance scores in many states to determine pricing, good credit can lead to lower rates.
Compare quotes regularly. Shop around at each renewal to make sure you’re still getting the best car insurance rate.
For more information on Honda Civic insurance, see the answers to frequently asked questions below.
No. Insurance for the Honda Civic costs slightly less than the national average for all vehicles. On average, insuring a Honda Civic costs $160 per month, while the national average rate for all vehicles is $162, according to Compare.com data.
The cheapest insurance company for a Honda Civic is USAA. Its average monthly rate for the Civic is $85, compared to the vehicle’s overall average of $160, according to Compare.com data.
Car insurance for a 2026 Honda Civic costs $192 per month, on average, according to Compare.com data.
The Honda CR-V is the cheapest Honda model to insure, averaging $85 per month for liability-only coverage and $158 for full coverage. The Honda Accord is the most expensive, at $119 and $198 per month, respectively, according to Compare.com data.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Licensed property and casualty insurance agent
NPN: 21630969
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
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