Car insurance is required in almost every state. While the national average cost of car insurance premium is $1,674 for a full coverage policy, this average is based on a 2019 Toyota Camry. Car insurance rates are highly personalized. The cost of insurance varies based on a number of different factors, one of which is the make and model of your vehicle.
For a Honda Civic, the average car insurance premium is $1,741 for a full coverage policy, according to Bankrate’s 2021 study of quoted annual premiums. 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 $1,741 for a full coverage policy on a 2019 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. Additionally, every car insurance company charges a different rate for the same make and model. Below are some of the factors that impact Honda Civic insurance costs:
- 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
The cost of insurance for a Honda Civic is different for every driver based on their unique profile. You could pay more or less than the average rate depending on criteria like your age, credit score or accident history. 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.
Car insurance for Honda Civic
Civic insurance costs are slightly higher than average, compared to the national average rates of $1,674 (reflecting a 2019 Toyota Camry). Based on our sample quote, here are the average rates for Honda Civic insurance for full coverage and minimum coverage insurance:
|Honda Civic car insurance||Average annual premium|
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 second most stolen vehicle in the United States. In 2019, there were 33,220 reported thefts of Civics. The most common model year for theft is the 2000 Honda Civic.
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 annual 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
Honda Civic features that impact insurance costs
Newer-year Honda Civics are equipped with a long list of advanced safety features. These features can reduce the chance of an accident, which may contribute to the overall cost of insurance. However, keep in mind that features in the specific models will vary. Here are some of the standout features in newer model-year Civics that can help keep insurance costs low:
- 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.
Other car insurance coverage for a Honda Civic
In most states, drivers are required to carry at least a minimum coverage insurance policy, which includes personal liability insurance and also Personal Injury Protection (PIP) if you live in a no-fault state. However, there are some additional coverage options that can be beneficial for Honda Civic owners.
One add-on coverage that Honda Civic drivers may find beneficial is accident forgiveness, which will keep your premium from increasing after your first accident. You might also consider new car replacement coverage, which will reimburse you for the cost of a similar year make and model if your vehicle gets totaled. Honda Civic owners who lease or finance their car may also benefit from gap insurance, which helps you repay your remaining loan balance if your vehicle gets totaled.
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. 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 coverages that meet each state’s requirements. Our base profile drivers own a 2019 Honda Civic, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.