Honda Civic insurance cost (2026)
Scout's quick take
- Average full coverage: $134/mo for a 2021 Honda Civic, clean record
- Liability-only averages $53/mo across recent model years
- That puts the Honda Civic about $18/mo below the $152 national average for full coverage
Insuring a Honda Civic?
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Cost by model year
| Model year | Full coverage / mo | Liability / mo | vs 2021 baseline |
|---|---|---|---|
| 2025 | $157 | $54 | +17% |
| 2023 | $143 | $54 | +7% |
| 2021 | $134 | $53 | baseline |
| 2019 | $126 | $53 | -6% |
| 2017 | $115 | $52 | -14% |
Estimates, not quotes: built from public 2025 to 2026 premium benchmarks and our cost model, clean-record driver profile. See our methodology.
Your model year, your ZIP, your real number
Averages set the range. Carriers price the Honda Civic sitting in your driveway.
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Honda Civic vs rival vehicles
| Vehicle | Full coverage / mo | Note |
|---|---|---|
| Honda Civic | $134 | The vehicle on this page |
| Toyota Corolla | $126 | Cheapest here. Cheapest compact to insure |
| Mazda 3 | $129 | Slightly pricier parts |
| Hyundai Elantra | $137 | Theft-wave surcharges linger |
Estimates, not quotes: the same clean-record driver profile priced across every vehicle, so the comparison is like for like. See our methodology.
Honda Civic quotes pile up fast. Scout digs through the whole pile and brings back the cheapest one.
Compare Honda Civic RatesWhat moves a Honda Civic premium
- Trim level: base trims sit at the bottom of the rate sheet; performance and top-spec trims carry higher collision costs
- Repair and parts network: the easier a Honda Civic is to fix near you, the lower the comprehensive and collision share runs
- Safety tech: automatic emergency braking and driver-assist packages earn discounts with most major carriers
- Usage: commuting under 10,000 miles a year rates cheaper; business or rideshare use adds a surcharge
Honda Civic questions, answered
Is a Honda Civic expensive to insure?
Not especially. At $134/mo for full coverage, a 2021 Honda Civic runs about $18/mo below the $152 national average, so it lands on the cheaper side of the market.
Do older Honda Civic model years cost less to insure?
Yes. Scout dug through the numbers: a 2017 Honda Civic runs about -14% versus the 2021 baseline of $134/mo, while a 2025 runs +17%. Liability barely moves; the savings hide in the comprehensive and collision share, which falls as the vehicle depreciates.
Still weighing it?
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We maintain the vehicle rate index and review every cost page on this site. Figures here are estimates, not quotes: see our methodology for how they are built.