How much is insurance on a Honda Civic?

Priced for the 2024 Civic 4Dr, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Civic's rank is the same in every state.

Why the Honda Civic costs what it does

What HLDI reports (2022–24 models, all drivers combined)

The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the Honda Civic, on HLDI's scale where 100 is an average car and lower is better, it reports 121 for crash repairs, 88 for non-crash damage, 125 for damage to others' property, and 139 for injury claims.

• Crash repairs (collision)fixing this car after a crashAverage21% worse than average9th best of the 12 small four-door cars we compare
• Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesAverage12% better than average5th best of the 12 small four-door cars we compare
• Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultWorse than average25% worse than average9th best of the 12 small four-door cars we compare
• Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costWorse than averagefiled 39% more often than average7th best of the 11 small four-door cars we compare

Source: HLDI, insurance losses by make and model, 2022–24 models.

What we estimate that means for price

Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Civic comes out about 11% worse than average. We count about a third of that difference, so the part of the bill that fixes the car is about 4% more than average: about $990 a year vs $950. On the liability side, damage to others and injury claims combine to about 33% worse than average. We count about half, so that part is about 17% more: $1,160 a year vs $990.

How the math works

In EPA size classes, the Civic is a midsize car (gas-powered). In Highway Loss Data Institute loss tables, the Honda Civic is benchmarked against small four-door cars.

Matched to HLDI series “Honda Civic” (HLDI, 2022–24 models).

A used Honda Civic, by model year

One model year per age group. Liability only: no coverage for the car itself. Teen columns: a new 16-year-old. Each row uses the HLDI report that covers that model year.

Model year	Full coverage	Liability only	Adding a teen	Teen on their own policy
2024 Civic 4Dr (0–3 years old)	about $2,150	about $1,160	+$1,420	about $6,170
2022 Civic 4Dr (4–7 years old)	about $2,030	about $1,160	+$1,340	about $5,830
2018 Civic 4Dr (8–12 years old)	about $1,840	about $1,120	+$1,210	about $5,270
2013 Civic (13 or more years old)	about $1,650	about $1,090	+$1,090	about $4,750

Our catalog covers the Honda Civic across model years 2006–2027. Full coverage on a used 2013 Civic (13 or more years old) runs about $1,650 a year, $500 less than on a 2024. Dropping collision and comprehensive on that 2013 brings liability-only coverage to about $1,090 a year. Each photo shows that year's generation of the car. Photo credits.

Across 2024 Honda Civic trims, full coverage goes from about $2,060 a year on the Civic 5Dr to about $2,150 on the Civic 4Dr, because HLDI's loss results differ by body, drive, or powertrain.

• Civic 5Dr: about $2,060
• Civic 4Dr: about $2,150

On a policy of their own with a 2024 Honda Civic, a 22–25-year-old pays about $2,800 a year ($650 more than a 45-year-old), a 26–39-year-old about $2,390, and a driver 65 and older about $2,260.

Adding a 16-year-old with a Honda Civic

A new driver costs more with any car, and more than usual with the Honda Civic: adding a 16-year-old raises the family bill by about $1,420 a year ($120 a month), $140 more than adding a teen with an average car of the same age. A separate policy in the 16-year-old's own name runs about $6,170 a year ($4,750 more than adding them to the family policy).

For adding a teen driver, the Honda Civic ranks 24th most expensive out of all 121 models we track. Stepping down to a used 2013 Civic (13 or more years old) brings the teen add-on to about $1,090 a year.

That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.

Similar small four-door cars

Among these 12 small four-door cars, the Honda Civic is the 6th most expensive to insure. Right next to it are the Toyota Corolla (about $2,070 a year) and the Nissan Versa (about $2,200).

• 2024 Toyota Priusabout $1,910 ($240 less)
• 2024 Nissan Kicksabout $2,010 ($140 less)
• 2024 Mazda 3about $2,030 ($130 less)
• 2024 Toyota Corollaabout $2,070 ($80 less)
• 2024 Honda Civicabout $2,150 (this car)
• 2024 Nissan Versaabout $2,200 (about the same)
• 2024 Hyundai Elantraabout $2,230 ($80 more)
• 2024 Nissan Sentraabout $2,260 ($110 more)
• 2024 Kia Forteabout $2,270 ($120 more)

Photos from Wikimedia Commons contributors. Photo credits.

What a Honda Civic costs in your state

In six sample states, a 2024 Honda Civic runs from about $1,380 a year in Maine through Iowa, Nebraska, Oregon and Massachusetts to about $2,580 in Texas:

• Maineabout $1,380/yr · +$910 teen
• Iowaabout $1,510/yr · +$1,000 teen
• Nebraskaabout $1,770/yr · +$1,170 teen
• Oregonabout $1,900/yr · +$1,250 teen
• Massachusettsabout $2,110/yr · +$1,390 teen
• Texasabout $2,580/yr · +$1,700 teen

All 50 states and DC · Updated November 5, 2026.

Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.

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