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Honda Civic auto insurance at a glance:
- Average car insurance rate for a 40-year-old driver: $2,166 a year
- Lowest-cost insurance companies for Honda Civic auto insurance: USAA*, Erie, Nationwide
- Lowest-cost state for Civic insurance: Idaho
- Highest-priced state for Civic insurance: Michigan
Honda Civic Insurance Rates by Company
Drivers of Civic vehicles could lower their insurance bills by comparing car insurance quotes from multiple companies. Our analysis of large insurers found that USAA* is the lowest-cost choice for insuring a Honda Civic. The runner-up was Erie.
Related: The best car insurance companies
Honda Civic Insurance Costs by State
State variations in Honda Civic auto insurance costs are typically driven by past claims in the state, medical costs, repair costs, state regulations and more. Michigan is the most expensive state for insuring a Civic ($4,732 a year). Idaho is the cheapest ($881 a year).
Cost of Insurance for a Honda Civic Based on Driver Age
According to a price analysis by Forbes Advisor, the most budget-friendly age for insuring a Civic is 60.
Conversely, the most expensive age to insure a Honda Civic is age 20.
There are many factors that go into calculating your own car insurance rates. These usually include your driving record, your garaging address (where you keep the vehicle), annual mileage, your credit-based insurance score (people with lower credit pay more), your past auto insurance claims, the model of the vehicle, any recent lapse in your auto insurance and the types and amount of coverage chosen.
Related: 9 Factors That Affect Your Car Insurance Rates
How to Save Money on Honda Civic Car Insurance
There are several ways you can lower car insurance costs, such as:
- Check out car insurance quotes. Auto insurance companies each have a different way of pricing insurance for a Civic. The best way to find a competitive cost is to compare car insurance quotes from several companies.
- Find the right amount of car insurance. While you want to make sure you are adequately insured, you also don’t want to overpay for insurance you don’t need for a Honda Civic. Here’s a guide to determining how much car insurance you need.
- Maintain a good credit score. Insurers in most states can use your credit-based insurance score as a price factor. But not all insurers give credit the same weight in pricing, which is why it’s smart to get several quotes.
- Raise your auto insurance deductible. The higher your car insurance deductible, the less you pay in premiums. Common deductible amounts range from $250 to $2,000 and up.
Best Car Insurance Companies 2024
With so many choices for car insurance companies, it can be hard to know where to start to find the right car insurance. We’ve evaluated insurers to find the best car insurance companies, so you don’t have to.
Unless otherwise noted, rates are based on a 40-year-old female with a good driving record and insuring a new vehicle. Rates shown are for coverage of $100,000 in bodily injury liability coverage per person, $300,000 per accident and $100,000 in property damage liability (100/300/100), uninsured motorist coverage, collision and comprehensive insurance with a $500 deductible, and any other coverage required in a state. Source: Quadrant Information Services.
*USAA car insurance is available only to military members, veterans and their families.