Honda Civic Insurance Cost (2026)

Q: Do older Honda Civic model years cost less to insure?

Penny asks: "How much do older model years save?" Scout answers: "Plenty. A 2017 Honda Civic runs about -14% versus the 2021 baseline of $134/mo, while a 2025 runs +17%. Liability barely moves; it is the comprehensive and collision share that falls as the vehicle depreciates."

Billie'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

Cost by model year

Model year	Liability / mo	Full coverage / mo	vs 2021 baseline
2025 Honda Civic	$54	$157	+17%
2023 Honda Civic	$54	$143	+7%
2021 Honda Civic	$53	$134	baseline
2019 Honda Civic	$53	$126	-6%
2017 Honda Civic	$52	$115	-14%

Illustrative estimates for layout and comparison purposes; see our methodology.

Honda Civic vs rival vehicles

Vehicle	Full coverage / mo	Note
Honda Civic	$134	The vehicle on this page
Toyota Corolla	$126	Cheapest compact to insure
Mazda 3	$129	Slightly pricier parts
Hyundai Elantra	$137	Theft-wave surcharges linger

Illustrative estimates for layout and comparison purposes; see our methodology.

What 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. A 2017 Honda Civic runs about -14% versus the 2021 baseline; a 2025 runs +17%. Depreciation eats the collision premium. Billie approves of anything that eats premiums.

Honda Civic insurance cost (2026)

Billie's quick take

Cost by model year

Honda Civic vs rival vehicles

Overpriced Honda Civic premiums are Billie's favorite snack. Bring an appetite.

What moves a Honda Civic premium

Honda Civic questions, answered