If you’re looking for insurance for your Honda Civic Sedan in 2025, you’re in the right place. Car insurance rates for the Honda Civic Sedan depend on factors like your driving record, location and car model year.
A 2023 Honda Civic Sedan typically costs around $2,306 per year to insure, although prices vary widely for older models. For example, a 2021 Civic Sedan costs $2,148 annually, whereas you’ll pay $2,038 annually for a 2018 model (on average).
This guide will break down the costs and provide helpful tips for getting the best insurance rates for your Honda Civic Sedan.
What is the cost to insure your Honda Civic Sedan in 2025?
The average cost to insure a Honda Civic Sedan is $191 per month or $2,288 annually for a full coverage policy. However, the specific rates may vary based on your age, location, coverage limit, insurance company, and driving history.
Young drivers or those with a history of accidents may see higher premiums, while older, more experienced drivers with clean records may pay less. Additionally, rates can differ based on the state and even the ZIP code where the car is garaged.
Insurance rates by car model
Check out our detailed guide on car insurance rates by car model
Which companies offer the cheapest rates for Honda Civic Sedan
Geico offers the cheapest car insurance rates for Honda Civic Sedan at an average annual cost of $1,796 a year or $150 monthly, based on CarInsurance.com’s rate analysis.
The table below highlights top insurance providers with the best rates for your Honda Civic Sedan
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Geico | $1,796 | $898 | $150 |
| Nationwide | $1,994 | $997 | $166 |
| State Farm | $1,997 | $998 | $166 |
| Progressive | $2,087 | $1,044 | $174 |
| Allstate | $2,974 | $1,487 | $248 |
| Farmers | $3,024 | $1,512 | $252 |
Explore our expert guide to the cheapest cars to insure in 2025
Compare Honda Civic Sedan car insurance rates by model year
Generally, newer models have higher insurance rates due to their higher market value and repair costs. For instance, insuring a 2023 Honda Civic Sedan will likely be more expensive than insuring a 2019 model. However, older models might not have the latest safety features, which can also influence rates.
Below is a comparison of average annual insurance costs for different model years of the Honda Civic Sedan. This data can give you a clear idea of how insurance premiums change with the vehicle’s age.
| Model year | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| 2014 | $1,708 | $854 | $142 |
| 2015 | $1,757 | $879 | $146 |
| 2016 | $1,914 | $957 | $159 |
| 2017 | $1,975 | $988 | $165 |
| 2018 | $2,038 | $1,019 | $170 |
| 2019 | $2,029 | $1,014 | $169 |
| 2020 | $2,082 | $1,041 | $173 |
| 2021 | $2,148 | $1,074 | $179 |
| 2022 | $2,242 | $1,121 | $187 |
| 2023 | $2,306 | $1,153 | $192 |
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Honda Civic Sedan car insurance rates for different trims
When it comes to insuring a Honda Civic Sedan, the trim level can significantly influence the insurance rates. Different trims come with various features, safety equipment and price points, which contribute to the insurance cost.
For instance, higher-end trims, such as the Civic Touring, equipped with advanced technologies, usually have higher insurance rates due to increased repair and replacement costs.
The table below shows the average annual insurance premiums for various trims of the Honda Civic Sedan.
| Vehicle trim | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Civic LX | $2,222 | $1,111 | $185 |
| Civic Sport | $2,246 | $1,123 | $187 |
| Civic EX | $2,328 | $1,164 | $194 |
| Civic Touring | $2,335 | $1,167 | $195 |
Honda Civic Sedan insurance rates: State-by-state breakdown
The cost of insuring a Honda Civic Sedan vehicle can differ from state to state. State-specific regulations primarily influence it, the cost of vehicle repairs and car theft rates.
The table below shows the car insurance rates for the Honda Civic Sedan by state.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $2,134 | $1,067 | $178 |
| Alabama | $2,312 | $1,156 | $193 |
| Arkansas | $2,467 | $1,234 | $206 |
| Arizona | $2,308 | $1,154 | $192 |
| California | $2,818 | $1,409 | $235 |
| Colorado | $2,965 | $1,483 | $247 |
| Connecticut | $2,271 | $1,135 | $189 |
| Washington, D.C. | $2,869 | $1,434 | $239 |
| Delaware | $2,303 | $1,152 | $192 |
| Florida | $2,867 | $1,433 | $239 |
| Georgia | $2,650 | $1,325 | $221 |
| Hawaii | $1,587 | $793 | $132 |
| Iowa | $1,852 | $926 | $154 |
| Idaho | $1,571 | $785 | $131 |
| Illinois | $2,271 | $1,135 | $189 |
| Indiana | $2,146 | $1,073 | $179 |
| Kansas | $2,337 | $1,169 | $195 |
| Kentucky | $2,714 | $1,357 | $226 |
| Louisiana | $3,750 | $1,875 | $313 |
| Massachusetts | $1,977 | $988 | $165 |
| Maryland | $2,116 | $1,058 | $176 |
| Maine | $1,595 | $797 | $133 |
| Michigan | $3,198 | $1,599 | $267 |
| Minnesota | $2,494 | $1,247 | $208 |
| Missouri | $2,479 | $1,240 | $207 |
| Mississippi | $2,403 | $1,202 | $200 |
| Montana | $2,477 | $1,238 | $206 |
| North Carolina | $1,828 | $914 | $152 |
| North Dakota | $2,003 | $1,001 | $167 |
| Nebraska | $2,378 | $1,189 | $198 |
| New Hampshire | $1,770 | $885 | $148 |
| New Jersey | $2,135 | $1,068 | $178 |
| New Mexico | $2,473 | $1,236 | $206 |
| Nevada | $2,320 | $1,160 | $193 |
| New York | $1,557 | $778 | $130 |
| Ohio | $1,641 | $821 | $137 |
| Oklahoma | $2,498 | $1,249 | $208 |
| Oregon | $2,329 | $1,164 | $194 |
| Pennsylvania | $2,329 | $1,165 | $194 |
| Rhode Island | $2,630 | $1,315 | $219 |
| South Carolina | $2,227 | $1,114 | $186 |
| South Dakota | $2,570 | $1,285 | $214 |
| Tennessee | $2,549 | $1,274 | $212 |
| Texas | $3,225 | $1,612 | $269 |
| Utah | $1,920 | $960 | $160 |
| Virginia | $1,702 | $851 | $142 |
| Vermont | $1,583 | $792 | $132 |
| Washington | $1,974 | $987 | $164 |
| Wisconsin | $1,790 | $895 | $149 |
| West Virginia | $2,096 | $1,048 | $175 |
| Wyoming | $2,140 | $1,070 | $178 |
How your age impacts Honda Civic Sedan insurance rates
Young drivers, particularly those younger than 25, face higher insurance premiums due to their lack of experience and the increased likelihood of accidents. As drivers age and gain more experience, their rates typically decrease. However, for senior drivers, premiums can rise again due to age-related factors.
In 2022, the National Highway Traffic Safety Administration (NHTSA) reported that 2,034 drivers aged 15 to 20 died in traffic crashes.
The table below shows the average annual insurance rates by age group.
| Age | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Teens | $8,581 | $4,290 | $715 |
| Adults | $2,288 | $1,144 | $191 |
The bottom line
Knowing how much it costs to insure a Honda Civic Sedan is important for managing your budget. Insurance rates can change based on the car’s model year, trim, age and location.
To save on insurance, try keeping a clean driving record, taking advantage of discounts and reviewing your policy every renewal period. This will help you get the right coverage at an affordable price.
Resources & Methodology
Sources
Insurance Information Institute. “Facts + Statistics: Teen drivers.” August 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to calculate average auto insurance rates for 1,661 car models to help drivers compare coverage costs. Rates reflect national averages based on a standard driver profile with full coverage, typical commute distance, and annual mileage.
The average rates are based on a 40-year-old male driver with 100/300/100 liability limits and a $500 deductible for collision and comprehensive coverage, commuting 12 miles to work daily and driving 10,000 miles annually.
Read the detailed methodology for more information.
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