Compare Honda Civic Insurance Quotes [Rates + Comparison Guide]

If you want to buy inexpensive Honda Civic insurance coverage then you should know that a policy will cost $128 per month ($1,536 per year) on average. On average, Honda Civic comprehensive insurance coverage costs $374, collision coverage costs $546, and liability coverage costs $433.

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UPDATED: May 4, 2022

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Written By: Laura BerryReviewed By: Joel OhmanUPDATED: May 4, 2022Fact Checked

Key Takeaways:

  • Full coverage costs around $1,536 a year or $128 each month
  • A liability-only policy costs around $616 a year or $51 each month
  • Highest rates are for teenage drivers at around $5,614 a year or $468 each month
  • Good drivers can save as much as $633 a year by earning policy discounts
  • Honda Civic insurance costs around $17 more per year than the average vehicle

Honda Civic car insurance rates cost an average of $128 every month, which amounts to $1,536 a year. Some of the factors that determine Honda Civic rates include driver and vehicle age, along with the model’s safety features.

In order to figure out what Honda Civic insurance rates will look like for you, reference the data compiled in this helpful article.

You can start comparing quotes for Honda Civic car insurance rates from some of the best car insurance companies by using our free online tool now.

Table of Contents

Honda Civic Insurance Cost

The average Honda Civic auto insurance costs are $1,536 a year or $128 a month.

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Are Honda Civics expensive to insure?

The chart below details how Honda Civic insurance rates compare to other sedans like the Audi S3, Toyota Avalon, and Chevrolet Sonic.

Vehicle Comprehensive Collision Liability Total
Honda Civic $280 $656 $420 $1,536
Audi S3 $356 $744 $264 $1,474
Toyota Avalon $320 $536 $338 $1,330
Chevrolet Sonic $270 $536 $398 $1,362
Toyota Camry $294 $570 $390 $1,412
Chrysler 300 $332 $626 $398 $1,514
Chevrolet Cruze $308 $594 $372 $1,432
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However, there are a few things you can do to find the cheapest Honda insurance rates online.

What impacts the cost of Honda Civic insurance?

Even though the average annual rate for the Honda Civic is $1,536, your policy can be higher or lower depending upon your profile. Those factors include your age, home address, driving history, and the model year of your Honda Civic.

Age of the Vehicle

The average Honda Civic auto insurance rates are higher for newer models. For example, auto insurance rates for a 2020 Honda Civic cost $1,536, while 2010 Honda Civic rates are $1,266, a difference of $270.

Model Year Comprehensive Collision Liability Total
2020 Honda Civic $280 $656 $420 $1,536
2019 Honda Civic $268 $630 $440 $1,518
2018 Honda Civic $256 $626 $450 $1,512
2017 Honda Civic $248 $610 $470 $1,508
2016 Honda Civic $240 $586 $486 $1,492
2015 Honda Civic $226 $564 $500 $1,470
2014 Honda Civic $218 $524 $510 $1,432
2013 Honda Civic $208 $494 $514 $1,396
2012 Honda Civic $200 $442 $520 $1,342
2011 Honda Civic $188 $408 $520 $1,296
2010 Honda Civic $180 $382 $524 $1,266
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Driver Age

Driver age can have a significant impact on Honda Civic auto insurance rates. For example, 20-year-old drivers pay approximately $1,878 more each year for their Honda Civic auto insurance than 30-year-old drivers.

Driver Location

Where you live can have a large impact on Honda Civic insurance rates. For example, drivers in Los Angeles may pay $220 a year more than drivers in Houston.

Your Driving Record

Your driving record can have an impact on the cost of Honda Civic car insurance. Teens and drivers in their 20’s see the highest jump in their Honda Civic car insurance rates with violations on their driving record.

Honda Civic Safety Ratings

The Honda Civic’s safety ratings will affect your Honda Civic auto insurance rates. See the chart below:

Test Type Rating
Small overlap front: driver-side Good
Small overlap front: passenger-side Good
Moderate overlap front Good
Side Good
Roof strength Good
Head restraints and seats Good
Source: Insurance Institute for Highway Safety
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Honda Civic Crash Test Ratings

Poor Honda Civic crash test ratings could mean higher Honda Civic car insurance rates.

Vehicle Tested Overall Frontal Side Rollover
2018 Honda Civic Type R 5 HB FWD N/R N/R 5 stars 5 stars
2018 Honda Civic Si 4 DR FWD 5 stars 5 stars 5 stars 5 stars
2018 Honda Civic Si 2 DR FWD 5 stars 4 stars 5 stars 5 stars
2018 Honda Civic 5 HB FWD 5 stars 5 stars 5 stars 5 stars
2018 Honda Civic 4 DR FWD 5 stars 5 stars 5 stars 5 stars
2018 Honda Civic 2 DR FWD 5 stars 4 stars 5 stars 5 stars
2017 Honda Civic Type R 5 HB FWD N/R N/R 5 stars 5 stars
2017 Honda Civic Si 4 DR FWD 5 stars 5 stars 5 stars 5 stars
2017 Honda Civic Si 2 DR FWD 5 stars 4 stars 5 stars 5 stars
2017 Honda Civic 5 HB FWD 5 stars 5 stars 5 stars 5 stars
2017 Honda Civic 4 DR FWD 5 stars 5 stars 5 stars 5 stars
2017 Honda Civic 2 DR FWD 5 stars 4 stars 5 stars 5 stars
2016 Honda Civic 4 DR FWD 5 stars 5 stars 5 stars 5 stars
2016 Honda Civic 2 DR FWD 5 stars 4 stars 5 stars 5 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Honda Civic Safety Features

The more safety features you have on your Honda Civic, the more likely it is that you can earn a discount. The Honda Civic’s safety features include:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Traction Control
  • Lane Departure Warning
  • Lane Keeping Assist

Honda Civic Insurance Loss Probability

Another contributing factor that affects Honda Civic car insurance rates is the loss probability for each type of coverage.

Insurance Coverage Category Loss Rate
Collision -8%
Property Damage 5%
Comprehensive -32%
Personal Injury 27%
Medical Payment 35%
Bodily Injury 21%
Source: Insurance Institute for Highway Safety
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Are you financing your Honda Civic?

If you are financing a Honda Civic, most lenders will require your carry higher Honda Civic coverage options including comprehensive coverage, so be sure to shop around and compare Honda Civic car insurance quotes from the best companies using our FREE tool below.

How can you save on Honda Civic insurance?

You can save more money on your Honda Civic auto insurance rates by employing any of the following five strategies.

  • Ask About Farm and Ranch Vehicle Discounts
  • Compare Honda Civic Quotes Online
  • Choose a Honda Civic with Cheaper Repair Costs
  • Compare Honda Civic Quotes for Free Online
  • Get a Plan with Only Liability Coverage If You’re Driving an Older Honda Civic

What are the top Honda Civic insurance companies?

Who is the best auto insurance company for Honda Civic insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Honda Civic auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Honda Civic offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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How do you compare Honda Civic insurance quotes online?

Start comparing Honda Civic auto insurance quotes for free by using our FREE online comparison tool.

Key Details About the Honda Civic
Honda Civic SummaryDetailsSource
MSRP Range: (2019 to 2020):
Fair Market Range (2017 to 2020):
$20,480 to $22,705
$14,052 to $21,996
Kelley Blue Book
2019 popularity:
2019 sales:
Difference from prior year:
Ranked second
325,650 cars
Overall safety ratings Four-door sedan: Good
Two-door coupe: Good
Hatchback: Good
National Highway Traffic Safety Association
Number of vehicle thefts (2018)38,426 (#1 stolen vehicle in 2018)National Insurance Crime Bureau
Average cost of repairs$368RepairPal
Fatality rate for vehicle’s size group54 per million peopleInsurance Institute for Highway Safety
Frequency of claims (passenger cars and minivans)8.4 Per 100 insured vehicle yearsInsurance Information Institute
Comprehensive rate average$238Quadrant Information Services
Liability rate average$483Quadrant Information Services
Collision rate average $582Quadrant Information Services
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You have questions about Honda Civic car insurance. Or maybe you’re just trying to learn more about your car. Either way, we’re here to answer your questions. Getting accurate info doesn’t have to be hard.

We’re going to break down everything Honda Civic-related for you. We’ll look at safety ratings, vehicle MSRP, repair costs, and more.

First up, we’re going to talk about how the Civic got started and where it is now — a significant part of American car culture that’s here to stay.

You can use our free tool above to get a quote on your Honda Civic.

What do you need to know about the history of the Honda Civic?

First rolled out in 1973 in the U.S., the Honda Civic has been a mainstay of American car culture for decades and is now in its tenth generation, having gone through many redesigns. Chances are, you’ve either owned a Civic or know someone who has.

The Honda Civic is still going strong today. It’s a popular car due to its roomy interior, good safety ratings, and three body options. You can get a hatchback for easy transport of your four-legged friend, or get a two-door coupe if you prefer a sportier look.

It’s so popular that Honda sells over a quarter-million of them every year. See for yourself by taking a look at the totals sold.

  • 2019 calendar year: 325,650 cars
  • 2018 calendar year: 325,760 cars

Between 2018 and 2019, sales decreased by 0.3 percent, though that is only a difference of 110 vehicles. That’s pretty negligible at these numbers and indicates that this car is still going strong.

In fact, the Honda Civic was the second-most popular vehicle purchased in the nation in 2018, only trailing behind the Toyota Camry.

We’ll be looking at just why drivers choose it year over year, starting with how often Honda Civic drivers make claims to their insurer.

How does the frequency of claims filed on the Honda Civic affect car insurance rates?

Let’s look at the claim frequency for passenger vehicles. This data is pulled from 2016 to 2018.

Insurance Claim Frequency for Small Cars
Car TypeClaim frequency Claim severityOverall loss
Passenger cars and minivans8.4$5,949$501
All passenger vehicles7.3$6,005$438
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These numbers show how often claims are made on small cars versus the average for all vehicles.

Passenger cars have a claim rate of 8.4 per 100 insured vehicle years. To put it more simply, that’s 8.4 claims per 100 vehicles in a given year.

As you can see, small cars have more frequent claims (though a smaller amount per claim) than the average across all vehicles. Any time you have a factor that makes an insurer pay out more, the rates are going to directly increase.

What’s that end up looking like on your bill?

Liability laws change based on where you live, with each state deciding what its own requirements will be. Most states require at least a minimum amount of coverage.

If you’re financing your Honda Civic, you’re probably going to need full coverage on the car. If you purchased it with cash, you don’t technically have to have full coverage, but you still need liability. Most states require it by law.

How much should you expect to pay for your insurance coverage?

Honda Civic Car Insurance Rates by Model Year
Model YearComprehensiveCollisionLiabilityTotal Premium
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Between 2014 and 2018, full coverage went up by about 5 percent. But it’s not the same across the board. Comprehensive went up about 17 percent and collision about 19 percent. Liability actually went down 12 percent in the same time frame.

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What is the size and class of the Honda Civic?

Honda Civics are classified as “small.” That’s not arbitrary, and there is actually a set of requirements for classifying vehicles by size.

Cars are classified based upon both their weight and shadow  —  which is the overall length x width in square feet. SUVs and pickups are similarly classified, but they rely more on weight than the shadow. Class refers to body type, such as four-door sedan or hatchback.

We will be using size and class frequently in this article. The table below shows you what other cars are considered in the same category as Honda Civics.

Cars in the Same Class as the Honda Civic
Acura ILX
Chevrolet Bolt electric
Chevrolet Cruze
Chevrolet Cruze hatchback
Chevrolet Sonic
Chevrolet Volt electric
Ford Focus
Honda Civic
Honda Civic hatchback
Honda Civic Si
Honda Civic Type-R hatchback
Hyundai Elantra
Hyundai Elantra GT
Hyundai Ioniq hybrid
Kia Forte
Mazda 3
Mazda 3 hatchback
Nissan Kicks
Nissan Leaf electric
Nissan Sentra
Nissan Versa
Scion/Toyota iA/Yaris iA series
Subaru Impreza 4WD
Subaru Impreza 4WD with EyeSight
Subaru WRX 4WD WRX
Subaru WRX 4WD with EyeSight
Toyota Corolla
Toyota Prius c hybrid
Toyota Prius hybrid
Toyota Prius Prime plug-in hybrid
Volkswagen Golf
Volkswagen Golf R 4WD
Volkswagen GTI
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We’ll be looking at information for the standard four-door sedan Civic unless otherwise noted.

Does the size of the Honda Civic affect how safe it is?

There are several factors that affect a vehicle’s safety.

One comes down to how much space is between you and the impact energy. In head-on collisions, there is more vehicle in front of you to absorb the impact before it gets to your body. This is an especially important factor, as this type of wreck is the cause of more than half of all vehicular deaths.

Weight is also important in a collision. A heavier car will have less give against a lighter one. This puts more force on the people within the lighter vehicle and less on those in the heavier one.

What’s the bottom line?

Crash fatality likelihood decrease as the size of the vehicle increases.

It makes sense, right? The more space between you and the outside world, the more cushion there is when something crashes against your vehicle.

How does the size of the Honda Civic affect bodily injury liability car insurance rates?

Bodily injury liability is one of two types of liability insurance, and it covers the other person’s injuries if you are found at fault in a car accident. If they wind up in the hospital, bodily injury liability can keep you from having to pay those medical bills out-of-pocket.

Bodily Injury Losses for the Honda Civic and Similar Cars
VehicleBodily Injury Losses
Toyota Prius Prime plug-in hybrid-45%
Volkswagen Golf R 4WD-41%
Chevrolet Bolt electric-30%
Volkswagen GTI-30%
Volkswagen Golf-23%
Mazda 3 hatchback-17%
Subaru Impreza 4WD-13%
Subaru WRX 4WD-12%
Chevrolet Volt electric-6%
Acura ILX-5%
Toyota Prius hybrid-1%
Toyota Prius c hybrid13%
Honda Civic hatchback15%
Mazda 315%
Chevrolet Cruze hatchback20%
Hyundai Ioniq hybrid26%
Honda Civic29%
Toyota Corolla32%
Scion/Toyota iA/Yaris iA series40%
Hyundai Elantra43%
Chevrolet Cruze53%
Nissan Versa63%
Nissan Sentra64%
Ford Focus71%
Chevrolet Sonic81%
Kia Forte82%
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Ranging from -45 to 82 percent, the Civic was at 29 percent. That’s considered worse than average.

How is this reflected in your premiums? We’ve pulled actual quotes from Geico for this, based upon a 40-year-old male driver in North Carolina with no accidents on their record. These are for a 2018 Honda Civic LX.

Geico Bodily Injury Car Insurance Rates for the Honda Civic
Level of Bodily Insurance
Liability Coverage
Total Premiums
($30,000/ $60,000)
($100,000/ $200,000)
($250,000/ $500,000)
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You’ll notice there are two very different numbers listed here for coverage limits. The first number — for example, $30,000 in the low level of coverage — is the total coverage for any one person involved in the accident. The second number ($60,000) is the total limit for any one accident.

In this case, the monthly payment will be between $156 and $172.

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How does the size of the Honda Civic affect property damage liability car insurance rates?

The other kind of liability is for property damage. This insurance covers any damage to another vehicle or other property that occurs from an accident you are found at fault for causing.

Here’s how the Civic and other small cars stack up. Negative numbers are above average, while columns that are in the positive are below average.

Property Damage Losses for the Honda Civic and Similar Cars
VehicleProperty Damage
Honda Civic Type-R hatchback-51%
Toyota Prius Prime plug-in hybrid-48%
Volkswagen Golf R 4WD-45%
Nissan Kicks-40%
Subaru WRX 4WD with EyeSight-38%
Nissan Leaf electric-33%
Chevrolet Bolt electric-26%
Volkswagen GTI-26%
Subaru Impreza 4WD with EyeSight-25%
Hyundai Elantra GT-18%
Honda Civic Si-16%
Subaru WRX 4WD-16%
Chevrolet Volt electric-12%
Volkswagen Golf-12%
Toyota Prius hybrid-11%
Mazda 3 hatchback-10%
Subaru Impreza 4WD-6%
Hyundai Ioniq hybrid-5%
Chevrolet Cruze hatchback-3%
Honda Civic hatchback-3%
Acura ILX-2%
Toyota Prius c hybrid1%
Honda Civic11%
Mazda 312%
Scion/Toyota iA/Yaris iA series15%
Toyota Corolla15%
Chevrolet Cruze19%
Hyundai Elantra20%
Nissan Sentra20%
Nissan Versa23%
Kia Forte34%
Ford Focus39%
Chevrolet Sonic43%
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Between these losses of -51 to 43 percent, the Civic’s property damage losses are around 11 percent, which means it’s average.

However, if you take a closer look, you may notice there are three different Civics on this list. The standard hatchback has slightly higher losses than a standard Honda Civic sedan. That runs pretty parallel to the MSRP cost difference.

The Honda Civic Type-R Hatchback has a substantially larger loss percentage than a standard sedan. The Type-R is also way more expensive than a standard sedan, so yeah, it’s going to cost the insurer more to repair or replace.

And here’s our quote from Geico, based on the same parameters as our bodily injury liability quotes in the prior section.

Geico Property Damage Insurance Rates for the Honda Civic
Property Damage
Liability Level
Total Premiums
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The difference between getting a low level of property damage liability and a high level is less than ten dollars a year, so why wouldn’t you get the better coverage?

What are the safety features of the Honda Civic?

When trying to find insurance for a Civic, it is important to take a look at your car’s safety features.

Safety features can lower your car insurance premiums.

Honda Civics are equipped with the following safety features:

  • Anti-Lock Braking System (ABS) with Electronic Brake Distribution (EBD), which helps the operator keep control of the car, even in adverse driving conditions
  • Dual-Stage, Multiple-Threshold Front Airbags (SRS)
  • Front Side Airbags with Passenger-Side Occupant Position Detection System (OPDS)
  • Side Curtain Airbags that reduce the chances of being injured when an accident happens
  • Front Three-Point Seat Belts with Automatic Tensioning System
  • Front Passenger’s and Driver’s Engaged Head Restraints
  • Advanced Compatibility Engineering™ (ACE™) body structure featuring a Honda proprietary body design which increases passenger safety and crash compatibility in front-end collisions

Concerning safety options, insurance companies reward vehicles that include anti-lock braking systems and more than one simple airbag system when they consider car insurance prices.

Some security features can lower insurance premiums as well. Some Honda Civic models include a security system with remote entry and auto-lock. Such cars are typically rewarded with discounts to the standard insurance rates.

Performance is key in this world. Honda Civics also offer a number of excellent performance options, including:

  • Tire Pressure Monitoring System (TPMS) – Alerts the car operator to the fact that one or more of their tires is in need of additional air
  • Vehicle Stability Assist™ (VSA®) with Traction Control – This ascertains if the driver has over-steered or under-steered and helps with braking the affected wheels, as well as slowing down the engine speed. Then the driver can regain control of their vehicle and stay on the desired course

Insurance companies generally reward vehicles that include features that help drivers sidestep accidents while on the road, such as advanced braking systems on front and rear wheels.

These features can help you save on your Honda insurance rates.

Let’s take a look at the safety ratings of Honda Civics — something that’s super important to drivers.

What are the safety ratings of the Honda Civic?

With 36,560 traffic fatalities in 2018 alone, a vehicle’s safety ratings are paramount, and car companies spend big bucks to ensure these ratings are high.

But what about the Honda Civic?

The Insurance Institute for Highway Safety (IIHS) rates vehicles based upon how safe they are. Let’s see how the Honda Civic stacks up.

Let’s go over some information about the safety ratings for the 2018 Honda Civic.

First up, the crashworthiness ratings, which refers to how well the car can protect you in a crash.

Honda Civic Crash Protection Rating
Crashworthiness Four-Door SedanTwo-Door CoupeHatchback
Driver-side small overlap frontGoodGoodGood
Passenger-side small overlap frontGoodGoodN/A
Moderate overlap frontGoodGoodGood
Roof strengthGoodGoodGood
Head restraints & seatGoodGoodGood
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The Civic did really well all around, getting a solid “Good” rating overall.

However, even better than surviving a crash is not having one in the first place. So, how are the crash avoidance and mitigation features rated?

Honda Civic Crash Avoidance and Mitigation Ratings
Crash Avoidance and MitigationFour-Door SedanTwo-Door CoupeHatchback
Headlights (varies by trim and color)PoorPoorPoor
Front crash prevention (vehicle to vehicle)SuperiorSuperiorSuperior
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These features are here to prevent a crash or make it less severe.

They also rated child seat anchors for LATCH ease of use. Overall, each body type got an Acceptable rating.

It’s worth noting that the Civic did poorly in the headlight safety rating category. Newer models’ headlight ratings vary based on trim levels.

How does the safety of the Honda Civic compare to other vehicles with the same size and class?

The Civic is considered a small vehicle, so what does that mean for safety?

In the video below, the Insurance Institute for Highway Safety shows some recommendations for parents who are looking to buy a car for their teen.

This shows the ownership and fatality data for vehicles that are classified as “small.”

Small Car Fatality Rate
Registered VehiclesDeathsRate (per million people)
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In 2018, there were nearly eight million small vehicles registered that were one to three years old.

The fatality rate was 54 per million people; this was higher than the average for all cars, which was 48 per million. The average for all passenger vehicles was just 36 per million though, which includes SUVs and pickups. Car rates drive up the average, as they just aren’t as safe.

You’ve heard of terms like t-boned, head-on crash, and getting rear-ended at an intersection. Unfortunately, not every part of the vehicle is created equal.

Fatality rates are different based on where the initial impact occurred in the crash. Take a look below to see how the numbers break down.

Fatalities by Car Impact Point
Point of
Initial impact
Car Occupant
All Occupant
FrontNumber of deaths: 7,433
Percentage of total: 57%
Number of deaths: 12,932
Percentage of total: 56%
SideNumber of deaths: 3,568
Percentage of total: 27%
Number of deaths: 5,350
Percentage of total: 23%
RearNumber of deaths: 834
Percentage of total: 6%
Number of deaths: 1,310
Percentage of total: 6%
(Mostly Rollover)
Number of deaths: 1,303
Percentage of total: 10%
Number of deaths: 3,299
Percentage of total: 14%
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Crashes that have a front initial impact account for more than half of all crashes, regardless of vehicle type.

Vehicle safety has evolved over time and cars are safer now than ever before. For the most part, fatality rates are decreasing, as you can see in the table below.

10-Year Trend in Car Fatalities
YearDriver Deaths
(per million)
All Passenger Deaths
(per million)
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Between 2008 and 2018, fatalities went down 25 percent.

What is the MSRP of the Honda Civic?

First off, what does MSRP mean?

MSRP stands for Manufacturer Suggested Retail Price. That’s just a fancy way of saying the sticker price.

But, what is the MSRP for a brand new base-model Honda Civic? Well, that varies based on whether you want a typical sedan, a sporty two-door model, or a hatchback for more cargo space.

Sometimes the MSRP is unavailable for older models, so it’s best at that point to look at the fair market range. Kelly Blue Book comes up with this range based on what they’d expect people to pay for a specific vehicle, and it’s determined by factors like supply and demand, market changes, and recent sales.

Check out the prices below for brand-new and used Civics purchased from the dealer without any of the bells and whistles. Keep in mind that these prices will go up if you want to add more features to get a cooler ride.

Changes in MSRP for Honda Civics Base Models Over Time
Model YearFour-Door SedanTwo-Door CoupeHatchback
2020: MSRP
Fair Market Range
$18,959 - $20,762
$19,687 - $21,526
$20,101 - $21,996
2019: MSRP
Fair Market Range
$17,726 - $19,475
$18,836 - $20,685
$19,461 - $21,372
Fair Market Range
$16,243 - $18,390$16,650 - $18,799$17,068 - $19,239
Fair Market Range
$14,052 - $16,087$14,355 - $16,406$15,851 - $17,980
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Remember that if you’re financing your vehicle, your lender is probably going to require you to have full coverage insurance. It is their property, after all, until you make that last payment and hold that title with your name on it.

If you don’t purchase enough insurance for your lender’s requirements, they may end up getting what’s called force-placed insurance. This is purchased by the lender, and it only covers them. So, you might still need to purchase your own liability coverage.

Your insurance rate might even go up since you’ll be considered a high-risk driver if you didn’t follow through on getting your car covered.

Even if you bought the car outright with cash, it’s a really smart idea to invest in more than basic liability coverage.

How does the MSRP of the Honda Civic affect collision car insurance rates?

Have you already bought your Civic? You may notice that your insurance rates change a little.

The general rule of thumb is: the pricier the car, the more expensive it will be to insure.

One reason new vehicles are more expensive to insure than used ones is that a lot of people just buy used cars outright. Most people have to finance brand new ones from the dealer, and that means you have to carry whatever the dealer requires, along with whatever mandated state coverages apply.

If you just bought your car, you’re going to want more than just standard liability insurance. Yeah, liability will certainly help cover the other driver’s damages if you’re in an accident and found to be at fault.

But liability won’t cover your own damages.

Consider this scenario: you just bought a brand new Honda Civic. You chose exactly what you wanted with a lush leather interior, sunroof, and a great sound system. You’ve set the climate control to exactly how you like it, and your phone’s Bluetooth is connected and playing your favorite hits from Spotify.

You’re enjoying that new-car smell while waiting at a stoplight when your car gets rear-ended by an uninsured driver. It’s not uncommon, with 13 percent of motorists driving around uninsured. Without the right coverage, you’re going to be responsible for the damages to your own car — even if the accident wasn’t your fault.

That’s where collision coverage comes in. What does this type of insurance cover?

It’s simple and essentially comes down to where the momentum comes from. If your Honda Civic collides with another vehicle or object (or another vehicle collides with you), collision coverage will pay for the damages, regardless of who was at fault.

If a tree limb falls onto your vehicle, that’s not covered by collision. But if your car hits the tree, it is covered.

Check out the average collision rates from 2014 to 2018.

Five-Year Review of Honda Civic Collision Rates
Model YearAverage Collision Insurance
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These rates are averages based on all Honda Civic models with all trim levels. The data supposes the driver is a 40-year-old male with a clean driving record and full coverage with a $500 deductible.

You may notice the rates are lower for older cars. That’s because it costs less for the insurer to cover damages from a car that has depreciated in value and is therefore worth less. Insurers won’t cover more than the value of the vehicle.

But how does the Civic stack up against other cars in its class? Take a look at how it compared from 2016 to 2018. You can use the search to see how specific cars compare to the Civic.

Honda Civic Collision Rates Compared to Similar Cars
Chevrolet Bolt electric-29%
Mazda 3 hatchback-20%
Volkswagen Golf-16%
Subaru Impreza 4WD with EyeSight-13%
Chevrolet Volt electric-6%
Mazda 3-6%
Subaru Impreza 4WD-6%
Subaru WRX 4WD with EyeSight-1%
Volkswagen GTI-1%
Acura ILX3%
Chevrolet Cruze hatchback3%
Hyundai Elantra GT3%
Chevrolet Sonic6%
Toyota Prius c hybrid6%
Volkswagen Golf R 4WD6%
Nissan Leaf electric7%
Honda Civic8%
Nissan Kicks9%
Nissan Versa9%
Scion/Toyota iA/Yaris iA series12%
Kia Forte13%
Ford Focus14%
Chevrolet Cruze15%
Toyota Corolla16%
Honda Civic Si18%
Toyota Prius hybrid18%
Honda Civic hatchback19%
Subaru WRX 4WD20%
Toyota Prius Prime plug-in hybrid22%
Nissan Sentra26%
Hyundai Elantra29%
Honda Civic Type-R hatchback31%
Hyundai Ioniq hybrid36%
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These numbers show what the loss percentages are (either above or below the average) for all small passenger vehicles. The rates here range from -29 to 36 percent.

The base model Honda Civic had an 8 percent collision insurance loss, which is average.

For collision, property damage liability, and comprehensive coverage, the loss numbers represent both the frequency of the claims and the average amount paid out for each claim.

How does the MSRP of the Honda Civic affect comprehensive car insurance rates?

We said earlier that collision doesn’t cover a tree limb falling on your car. So, what does?

Well, that’s where comprehensive coverage comes in. It helps cover damage from natural disasters and vandalism or theft.

Here are the comprehensive rates for Honda Civics, and they assume the same parameters as our collision table in the previous section.

Honda Civic Comprehensive Car Insurance Rates
Model YearComprehensive Rates
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As a vehicle gets older and depreciates in value, insurance rates go down as well.

What about compared to other “small” cars? Use the search box to see how a particular model stacks up.

Honda Civic Comprehensive Car Insurance Rates Compared to Similar Cars
VehicleComprehensive Losses
Chevrolet Bolt electric-42%
Chevrolet Volt electric-32%
Volkswagen Golf-32%
Mazda 3 hatchback-25%
Nissan Kicks-24%
Chevrolet Sonic-22%
Mazda 3-21%
Nissan Sentra-20%
Hyundai Elantra GT-17%
Toyota Corolla-17%
Acura ILX-14%
Scion/Toyota iA/Yaris iA series-13%
Nissan Versa-12%
Ford Focus-10%
Toyota Prius c hybrid-10%
Chevrolet Cruze hatchback-9%
Honda Civic-9%
Subaru Impreza 4WD with EyeSight-6%
Kia Forte-5%
Volkswagen GTI-5%
Chevrolet Cruze-3%
Hyundai Elantra1%
Nissan Leaf electric3%
Subaru Impreza 4WD4%
Honda Civic hatchback13%
Subaru WRX 4WD with EyeSight23%
Volkswagen Golf R 4WD26%
Hyundai Ioniq hybrid28%
Subaru WRX 4WD32%
Honda Civic Si33%
Toyota Prius hybrid35%
Honda Civic Type-R hatchback44%
Toyota Prius Prime plug-in hybrid56%
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With losses ranging between -42 and 56 percent for 2016 to 2018, the base Honda Civic sedan has a comprehensive loss of -9 percent, which is considered to be average.

The hatchbacks and other noted models were higher. Some insurers may charge more for those cars based on this loss information.

The newer and more valuable the vehicle is, the more expensive comprehensive coverage will be.

But, it’s likely to cost even more if there’s a high loss rate for the vehicle, as that indicates to the insurer that you’ll be more likely to file a claim.

What are the theft rates of Honda Civics?

As we touched on earlier, Honda Civics are really popular. As the second-most-bought car in 2018, there are a lot of these cars out on the roads.

So, it may not be super surprising that Civics were the country’s most-stolen vehicle in 2018.

There were 38,426 Civics reported stolen that year.  That number includes all model years. To put that number into perspective, that’s almost 12 percent of the total Civics sold in 2018.

What about the most-stolen model year? The largest number were year 2000 models with 5,290 reported stolen.

How do the theft rates of Honda Civics affect comprehensive car insurance rates?

Vehicle theft rates do change based on location, of course. Check out the video below, which talks about the top vehicle theft hot-spots in the country.

According to a study by the National Criminal Justice Reference Service, vehicle theft is significantly higher in areas with more rental properties and with a heavy industrial presence. It’s also riskier to leave your car at work in a rural area than an urban one.

Older vehicles are still among those most-stolen, and very common models are also the most popular to steal. That’s because it’s easier to take them to a “chop-shop” where the car is broken down for parts. With so many out there, it’s relatively simple to make a stolen Honda Civic disappear.

With the high theft rate, insurers are going to take extra precautions. That trickles down to you, the owner. Expect your Civic’s comprehensive insurance to set you back more than it would for some other vehicles.

It’s also important to know that your rates depend on your location. That’s partially due to vehicle theft. If you live in a ZIP code with high rates of theft and vandalism — bad news. You can expect to see that reflected back in your insurance bill.

How much will it cost to repair my Honda Civic?

So, you’ve got all this insurance, and you hope you never have to use it. Ideally, your car will make it through its life with you unscathed.

But, what if it doesn’t?

Let’s say you’re t-boned at an intersection by somebody who was texting and driving. With overall good safety ratings, you’ll hopefully be okay. But your car probably won’t make it through without some damage.

The average cost of repairs for a Honda Civic is $368, compared to the national average of $526 for all compact cars.

We’ve collected the data for an estimate, so let’s see how much it might cost to fix your car. We’ve gotten the estimates for level two (out of four) severity damage for the front and rear bumpers, hood, roof, two doors, and a quarter panel.

Hopefully, any damage you see won’t be this severe, but if it is, this can help you get a general idea.

Honda Civic Average Repair Costs
CAR PARTFront BumperRear BumperHoodRoofFront DoorRear DoorQuarter Panel
Body labor$128$128$80$80$132$120$80
Paint labor$160$160$160$192$136$136$144
Paint supplies$100$100$100$120$85$85$90
Color tint$20$20$20$20$20$20$20
Cover carn/an/a$10$10$10$10$10
Hazardous waste disposal$5$5$5$5$5$5$5
Color sand and buff$20$20$20$20$20$20$20
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This estimate is for a 2018 four-door sedan Honda Civic and includes labor and material. If the damage is severe enough, body sections may need to be replaced. Of course, that’s going to increase the cost.

Repair prices can also change based on paint supplies. If the repair garage has to order a specific hue from the manufacturer, that can boost the price.

That’s a lot to pay out-of-pocket, but that’s why it’s smart to get full coverage on your vehicle.

That said, be aware that insurers will often charge more if the car is going to cost more to repair. They factor in the value of the vehicle and try to mitigate their potential costs by charging you higher premiums.

As the car gets older, your rates should go down. That’s because your vehicle is also depreciating in value.

Be aware that your insurance company will only ever pay up to what your car is worth, and that may not be much once your Honda Civic has aged a bit. If you already have an older Civic, you may want to think about whether full coverage is really worth the higher premiums.

How does the cost of repairs affect collision and comprehensive car insurance rates?

If you get hit by an uninsured motorist, you may never see the money to cover your damages.

Collision is there to protect you in this scenario. It’ll help pay for any damages that come from a collision with another vehicle or object — regardless of fault.

What if the damage isn’t from a collision? If you get damage from, say, a tree limb falling onto your car, that’s something that comprehensive insurance covers. It also covers acts of vandalism or if you hit a deer with your car.

Because of the high repair costs associated with car accidents, your rates will be higher for new vehicles and pricier ones. Your insurer wants more in premiums to offset the higher repair costs.

New car parts simply cost more, and mechanics aren’t always familiar with a new model. That means more time spent on labor. It adds up.

Other car insurance coverage rates for Honda Civics

So, we’ve gone over liability, comprehensive, and collision insurance. But what else is there?

How do safety ratings of the Honda Civic affect Personal Injury Protection (PIP) car insurance rates?

Personal Injury Protection insurance (or PIP) is required by some states, though you can add it to any policy. It’s an additional form of coverage for your policy that you can use regardless of who is found at fault for an accident.

PIP is there to cover the medical bills and funeral expenses that may arise from an auto accident. You’ll be glad you have it when it helps with your lost wages from an accident or homecare costs, as well.

Honda Civic PIP Insurance Rates Compared to Similar Cars
VehiclePersonal Injury
Volkswagen Golf R 4WD-49%
Chevrolet Bolt electric-35%
Chevrolet Volt electric-35%
Toyota Prius Prime plug-in hybrid-30%
Volkswagen GTI-29%
Volkswagen Golf-26%
Subaru Impreza 4WD with EyeSight-22%
Mazda 3 hatchback-16%
Subaru WRX 4WD-11%
Subaru Impreza 4WD-2%
Toyota Prius hybrid0%
Hyundai Ioniq hybrid5%
Acura ILX9%
Honda Civic hatchback10%
Mazda 310%
Chevrolet Cruze hatchback19%
Toyota Prius c hybrid24%
Honda Civic Si31%
Honda Civic39%
Chevrolet Cruze46%
Toyota Corolla58%
Ford Focus59%
Hyundai Elantra59%
Nissan Sentra75%
Chevrolet Sonic84%
Scion/Toyota iA/Yaris iA series84%
Kia Forte92%
Nissan Versa98%
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Like all forms of insurance, companies measure the losses related to these claims.

For the 2016 to 2018 time frame, the PIP loss for Honda Civics was 38 percent. That’s rated as substantially worse than average.

Because the Honda Civic is a small car, if you get into an accident, you may sustain serious injury and thus have higher medical bills.

Other car models in the same small, four-door category had PIP losses ranging from -49 percent to 98 percent.

These numbers (and those for MedPay) represent claim frequencies only and do not factor in payment per claim. To break it down further, claim frequencies are how often drivers make a particular insurance claim for their vehicle. Payment per claim is just that — how much money the insurance company shells out to cover costs associated with the average claim.

How do safety ratings of the Honda Civic affect Med Pay car insurance rates?

PIP is just one of several different add-ons you can get for your policy. You might also consider Med Pay.

Med Pay is additional insurance you can purchase to help cover your medical expenses. Unlike PIP, MedPay doesn’t typically have a deductible.

Let’s say you have a copay or the other person is liable, but their insurance company refuses to pay because there’s a dispute over who was at fault. Then MedPay can come in and cover these bills before they really start to pile up.

For vehicles in this class, MedPay losses range from -28 percent to 94 percent. Search the table below to compare other vehicles.

Honda Civic MedPay Rates Compared to Similar Cars
VehicleMedical Payment Losses
Chevrolet Bolt electric-61%
Volkswagen Golf-28%
Volkswagen GTI-23%
Toyota Prius Prime plug-in hybrid-22%
Chevrolet Volt electric-21%
Mazda 3 hatchback-20%
Subaru Impreza 4WD-13%
Subaru WRX 4WD-7%
Toyota Prius hybrid13%
Hyundai Ioniq hybrid15%
Mazda 315%
Toyota Prius c hybrid15%
Honda Civic hatchback17%
Acura ILX21%
Chevrolet Cruze hatchback26%
Honda Civic38%
Toyota Corolla57%
Chevrolet Cruze64%
Ford Focus69%
Scion/Toyota iA/Yaris iA series69%
Hyundai Elantra76%
Chevrolet Sonic97%
Nissan Sentra106%
Kia Forte112%
Nissan Versa131%
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Honda Civic’s MedPay losses were considered substantially worse than average in 2016 to 2018 at 38 percent. That seems really bad, but remember, this is substantially worse than average for all passenger vehicles.

A general rule is: the larger the vehicle, the safer it is for the passengers inside. That means fewer medical claims.

Smaller vehicles are less safe overall, so there will be more injuries and therefore more medical payment claims.

How can you save money on your Honda Civic car insurance?

As discussed above, car insurance companies offer discounts to customers who drive vehicles with strong safety ratings and safety features. Other common discounts offered by major insurers include the following:

  • Safe driver discount – Keep your driving record clean and you will be rewarded with a discount.
  • Multi-policy discount – This discount is for bundling more than one type of insurance, such as auto insurance and homeowners insurance.
  • Multi-vehicle discount – Insure all of your vehicles on the same policy and save money.
  • Good student discount – If you have a young driver on your policy who earns a B average in school, you might be entitled to this discount.
  • Low-mileage discount – If you don’t drive your car that frequently, you’ll save money on your car insurance.

This is just a small selection of the many savings opportunities available from many of the biggest insurance companies. Make sure to ask about the discounts your insurer offers, and factor these savings possibilities into the equation when you get quotes.

Frequently Asked Questions: The Cost of Honda Civic Car Insurance

You may still have a few questions, so let’s try to get those taken care of in this last section.

#1 – What kind of gas mileage do Honda Civics get?

The 2020 Honda Civic gets around 32 MPG city and 42 MPG highway.

#2 – How are Honda Civics in the snow?

They can do just fine, but it’s probably a good idea to get snow tires if you live in a place with long winters.

#3 – How long have Civics been around?

The first Honda Civic rolled off the line in 1972, but they were first sold in the United States in 1973. Since then, the Civic has been through several generational changes.

#4 – What kind of engine does the Honda Civic have?

You have a choice. You can either get a 158-hp 2.0-liter four-cylinder or a 174-horsepower turbocharged 1.5-liter four-cylinder.

#5 – Is the Honda Civic front or rear-wheeled-drive?

Both engine options are front-wheeled only.

And there you have it. Hopefully, we’ve answered all of your questions about insuring your Honda Civic and how your rates are calculated.

Take a minute to use our free tool below and get a quote to get started.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

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