Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate drivers about...

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Reviewed by Laura Walker
Licensed Agent for 10 Years

UPDATED: Jan 19, 2022

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Are you looking for car insurance for the Honda Civic? Then you’ve come to the right place. Here, you’ll learn about the cost of car insurance for the Honda Civic.

There are many factors that go into your monthly payment. While this article can’t predict exactly what you will pay each month, you will walk away with a good idea of how much you pay for the Honda Civic.

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There are some factors that affect how much you pay for car insurance that are independent of the car you drive. Factors such as your age and driving record increase or decrease how much you pay no matter what model of car you drive.

However, the type of car you drive does make a difference. Factors such as safety features and crash test ratings can raise or lower your car insurance payment.

History of the Honda Civic

Honda first released the Civic in 1972. Since then, the car has seen eight major revisions. In the early 1990s, Honda expanded the lineup of Civics to include many more models and features.

Fifth and sixth-generation models (1992-2000), became popular for modifications and street racing because of the double wishbone suspension that made the car easier to handle. These models typically cost more to insure.

Starting in 2001, the special suspension was dropped and more safety features were added. Models from 2001 onward tend to receive better insurance rates.

Crash Test Ratings

Starting in 2001, the Civic earned a perfect 5-star rating from the National Highway Traffic Safety Administration for front-end collisions. It has continued to keep that rating ever since.

The rating was awarded after examining the results to both the driver and all passengers.

The reason for the high safety ratings in 2001 was the introduction of side airbags and other safety features.

Honda Civic Safety Features

Safety features influence the cost of insurance for any car. As of 2001, the Honda Civic comes with many of the following safety features that reduce the cost of auto insurance:

  • Front Three-point Seat Belts with Auto Tension System
  • Anti-Lock Brakes (ABS)
  • Dual-stage Front Airbags
  • Side Front Airbags w/ Occupant Position Detection System (OPDS)
  • Driver and Passenger Side Curtain Airbags
  • Engaged Head Restraints

Models between 1990 and 1995 may incur a slightly higher cost for insurance due to receiving lower ratings for front end collision tests.

Models from 1996 to 2000 are rated four out of five stars, but the increase in insurance is very slight.

For years prior to 1990, the value of the vehicle is typically low enough that the cost of insurance remains very affordable.


The Honda Civic is one of the most popular models for modifications. Supported by a large aftermarket for accessories and parts, it is quite common for owners to improve and tweak different aspects for racing or merely cosmetic improvements.

If you’re going to modify a Civic, it runs the risk of negating your insurance.

Be certain to inform your insurance provider of any modification to the car. Some racing modifications will increase the monthly cost of insurance.

Others modifications are not even allowed, so you may want to check with your insurance company about modified car insurance before any significant changes are made.

How much is car insurance for the Honda Civic?

While there are many factors that go into car insurance, a rough estimate can be given here. Assuming minimum liability coverage and no previous accidents, the average cost of insurance for the Honda Civic will range between $90 and $160 a month.

Factors which lower the cost are special discounts for good grades, a long driving history, the age of the car, estimated value and others.

Higher payments come with previous accidents, brand new cars with higher values, modifications, special uses and a high number of miles driven each year.

To discover the actual price you would pay to insure a Honda Civic, enter your ZIP code in the box below.

You will be able to compare different styles, models, years, and all the other factors that go into your specific rate.

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