Nearly every state requires car insurance. The national average car insurance premium cost is $1,674 for full coverage. However, this average was based on a 2019 Toyota Camry. Car insurance rates can be highly customized. Insurance costs vary depending on many factors.
According to Bankrate’s 2021 study on annual premiums, the Honda Civic’s average car insurance premium is $1741. 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.
What is the cost of Honda Civic insurance?
Based on the quoted annual premiums, an average American driver will pay $1,741 to purchase a Honda Civic full coverage policy. 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. Each car insurance company has a different rate for every make and model. Here are some factors that can impact Honda Civic insurance prices:
- Crash rate statistics: The Honda Civic is a well-respected vehicle. The 2021 model earned the “top safety pick” badge from the Insurance Institute for Highway Safety (IIHS). It is rated well for injury prevention and crash performance.
- Cost of parts: A Honda Civic can be repaired after an accident for a fraction of the cost of other vehicles. This model is cheaper than other vehicles because it doesn’t require parts to be imported from abroad. Also, the cost of fixing a high-end vehicle can be prohibitive. As a result, insurers are less likely to be sued for vehicle repair costs. This helps keep insurance costs low.
- Safety features: The newer Honda Civic models come with safety features that can prevent a costly collision. Some models include multiple rearview cameras, active stability systems, and Honda’s Collision Mitigation Breking System. Insurance costs may be offset by lower accident rates.
Honda Civic insurance
Every driver’s unique situation will affect the cost of Honda Civic insurance. You may pay more or less than average depending on factors such as your credit score, age and accident history. Although it is impossible to predict exactly how much you will be charged, a personalized rate quote can help you estimate. The rates below are useful to compare.
Honda Civic insurance
Civic insurance costs are slightly more than the average national rate of $1,674 (reflecting 2019 Toyota Camry). Here are the average Honda Civic insurance rates for both full and minimal coverage.
Despite the Civic’s excellent safety ratings and advanced safety features there are some factors that can increase insurance costs for this model, especially theft. According to the National Insurance Crime Bureau (NICB), Honda Civics are the second most stolen vehicle in the United States. There were 33,220 reported Civic thefts in 2019. The 2000 Honda Civic is the most popular model year to be stolen.
Honda Civics: The cheapest car insurance
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. These companies charge Honda Civic insurance at slightly different rates.
Model-specific average annual premium
Honda Civic features that can impact insurance costs
Honda Civics of recent years are equipped with many advanced safety features. These safety features can help reduce the likelihood of an accident and may increase the cost of insurance. Keep in mind, however, that the features found in specific models may vary. These are the top features of newer model-year Civics which can help lower your insurance costs.
- Active Stability Systems (Civic): This vehicle is equipped with several stability systems including brake assist, electronic brake distribution and brake assist. These will prevent the vehicle from sliding or skidding 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 Systems: If the driver changes lanes, the system will adjust the vehicle’s steering or brakes automatically.
Additional car insurance coverages for Honda Civic
Drivers in most states must have at least a minimum coverage policy. This includes personal liability insurance as well as Personal Injury Protection (PIP) for those who live in no-fault states. Honda Civic owners can benefit from additional coverage.
Honda Civic drivers might find accident forgiveness to be a useful add-on. This will prevent your premium from rising after your first accident. New car replacement coverage is another option that you might consider. This will pay for the cost of a comparable year-make and model in case your vehicle is totaled. Gap insurance is available to Honda Civic owners who finance or lease their vehicle. This helps you pay off your outstanding loan balance in the event your vehicle is totaled.
