Honda Civics may be one of most popular options for compact sedans. And when it comes to average auto insurance rates for Honda Civics, they’re not much higher than the national average. The average cost of auto insurance for full coverage in the United States is $1,674 per year, based on a 2019 Toyota Camry. For a Honda Civic, the average auto 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 between best car insurance companieswe have looked at some of the factors that can have a significant impact on the cost of insuring 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 the annual premiums shown. Non-vehicle factors that may also affect the car insurance cost for a Honda Civic, include your state, age, credit score, claims history, and driving record, depending on your state’s insurance regulations. Additionally, each car insurance provider charges a different rate for the same make and model. Below are some of the factors that affect car insurance costs for a Honda Civic:
- Crash rate statistics: The Honda Civic has a reputation for being a very safe vehicle. The 2021 model received the “Top Safety Pick” badge from the Insurance Institute for Highway Safety (IIHS). It has good crash ratings on most injury metrics and has superior crash avoidance ratings.
- Parts prices: Repairing a Honda Civic after an accident is generally inexpensive compared to other vehicles. Most parts don’t need to be imported from overseas, and this model lacks the bells and whistles that can be expensive to fix on a high-end vehicle. This can help keep the cost of insurance low, as it means insurers take on less financial risk in the event of a vehicle repair claim.
- Safety devices: New model year Honda Civics are equipped with advanced security features which can help the driver avoid a costly collision. Some models are equipped with multiple backup cameras, active stability systems and Honda’s collision avoidance braking system. Reduced accident risk can also help offset insurance costs.
Car insurance for a Honda Civic
When calculating car insurance rates, the make and model of a car provides crucial information to car insurance companies. Although the Civic has good safety ratings and advanced security features, certain variables can increase the cost of insurance for this make and model, especially theft. According to the National Insurance Crime Bureau (NICB), Honda Civics are the second most stolen vehicle in the USA. In 2019, 33,220 thefts of Civics were reported. The most common model year for flight is the 2000 Honda Civic.
Below is the average cost of car insurance for a Honda Civic, but actual rates may vary for each driver based on their unique profile. You could pay more or less than the average annual rate depending on criteria such as your age, credit score or accident history. Some states do not allow the use of credit score or age as rating factors for auto insurance. Although the only way to know for sure how much you’ll pay is to get a custom quote, the rates provided below can be useful for comparison purposes.
| Honda Civic car insurance | Average annual premium |
|---|---|
| Minimum coverage | $514 |
| Full coverage | $1,741 |
Honda Civic Features That Impact Insurance Costs
Newer Honda Civics are equipped with a long list of advanced safety features. While preventing accidents can help your car insurance premiums, keep in mind that the cost of repairs is also a factor in determining rates. More complex features may require special skills and parts to fix, adding to the cost. Still, having some of these features could reduce the risk of an accident on the road:
- 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 prevent the vehicle from skidding or sliding on slippery roads.
- Anti-collision braking system: Honda equips its new Civics with Anti-collision braking system (CMBS), which automatically applies brake pressure when the car detects an unavoidable collision.
- Road Departure Mitigation System: This system will automatically adjust the steering and braking of the vehicle if the driver changes lanes without signaling.
The cheapest car insurance companies for Honda Civics
To give you a better idea of what you could pay for Honda Civic car insurance, we have provided a comparison of the average insurance rates of some of the best car insurance companies which also hold a large share of the market share. As you can see, these companies charge slightly different amounts for Honda Civic insurance.
Average annual premium for full coverage per model
Other auto insurance coverage for a Honda Civic
In most states, drivers must carry at least one minimum coverage insurance policy. Additionally, all standard auto insurance policies offer coverage options such as bodily injury and property damage liability, as well as full and collision Assurance. However, if an insurance company you’re considering offers these unique coverage options, they could benefit Honda Civic owners:
- Forgiveness of accident: Although not offered by all companies, this coverage may be worth considering if available. Each company may have its own guidelines for this coverage, but generally your first at-fault accident will not increase your auto insurance policy.
- New car replacement cover: If your new car were involved in an accident, this coverage would insure your car for its replacement value, rather than its depreciated value. It’s usually only available for new cars, and your insurance company may also require you to have collision and comprehensive coverage as well.
- Gap insurance: If you have a loan on your Honda Civic, this coverage would help cover the “gap” between the amount owed on the vehicle and the actual cash value (ACV) if it were totaled in an accident. Similar to new car replacement coverage, vehicles generally must be new and meet certain qualifications to be included in the auto insurance policy.
Methodology
Bankrate uses Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates shown are based on a 40-year-old male and female with a clean driving record , good credit and the following complete coverage limits:
- Civil liability of $100,000 in bodily injury per person
- Civil liability of $300,000 in bodily injury per accident
- Civil liability of $50,000 in property damage per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 aggregate deductible
To determine minimum coverage limits, Bankrate has used minimum coverages that meet each state’s requirements. Our basic profile drivers own a 2019 Honda Civic, commute five days a week and drive 12,000 miles a year.
These are sampling rates and should only be used for comparison purposes.
