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Honda Civics are some of the safest vehicles on the road and have consistently won awards for "best car" and "best compact car" from sites like Edmunds and Kelley Blue Book. The Insurance Institute for Highway Safety (IIHS) also named the 2025 Honda Civic a 2024 Top Safety Pick.
And while it's a good car for commuting or for a teenager learning to drive, finding the right Honda Civic insurance can be a bit of a challenge. Many of the best-known companies, such as USAA, State Farm, and GEICO, offer competitive rates for both liability-only and comprehensive coverage insurance for Honda Civics, but each has its pros and cons.
Other companies, such as Progressive and Allstate, tend to be more expensive. However, they also tend to offer more coverage or discount options that are beneficial to some drivers, including pay-per-mile insurance or policies available after a DUI or other high-risk incident.
Methodology
FinanceBuzz uses multiple factors when comparing auto insurance companies. These include costs, discounts, customer satisfaction, complaint scores, policy options, and ease of use. We also gather information from sources including Insurify, J.D. Power, AM Best, the National Association of Insurance Commissioners (NAIC), and the Better Business Bureau (BBB).
Compare Honda Civic insurance rates
| Company name | Excellent for | Average monthly full coverage cost for 2016 - 2025 models | Average monthly liability-only cost for 2016 - 2025 models |
| USAA | Military members and their families | $100 - $140 | $48 - $67 |
| GEICO | Competitive rates | $119 - $166 | $55 - $77 |
| State Farm | Young drivers | $120 - $167 | $56 - $79 |
| Allstate | Pay-per-mile insurance | $133 - $186 | $63 - $87 |
| Progressive | High-risk drivers | $155 - $216 | $100 - $140 |
| Data provided by Insurify | |||
USAA
- AM Best: A++ (Superior)
- J.D. Power claims satisfaction: 726/1,000 (study average 697)
- BBB: A+
- NAIC complaints: 0.97 (Private Passenger)
USAA is consistently one of the most affordable car insurance companies. It also earned a high claims satisfaction score from J.D. Power in 2024 and holds an A++ rating from AM Best, which monitors an insurance company's ability to pay claims.
USAA's liability-only coverage on 2025 Honda Civics averages $67 per month, while full coverage averages $147 per month. USAA also offers discounts that can help you further lower your premium, including military-specific savings.
However, USAA has a significant drawback: its coverage is available only to current and former military personnel and their immediate family members. Additionally, USAA offers many standard coverage options, but it lacks some specialty policies that other companies provide, like standard GAP coverage. It offers roadside coverage and rental reimbursement, but only in select areas.
- Most affordable coverage for Honda Civic drivers
- High claims satisfaction score from J.D. Power
- Offers military-specific discounts, such as for garaging your car on base
- Available only to current and former military personnel and immediate family members
- Not as many discount options as some competitors
- Some policy options are limited to specific areas
Learn more in our USAA review.
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GEICO
- AM Best: A++ (Superior)
- J.D. Power claims satisfaction: 692/1,000 (study average 697)
- BBB: A+
- NAIC complaints: 0.75 (Private Passenger)
GEICO is available in all 50 states and has multiple policy options. It also has some of the lowest rates for 2025 Honda Civic owners. Its liability-only coverage averages $77 a month, while full coverage averages $166. It earned a claims satisfaction score of 692/1,000 in J.D. Power's 2024 study, which was slightly below the study average of 697.
However, while GEICO may offer lower rates than some competitors, it generally doesn't provide some of the more common discount options, such as loyalty or senior discounts. It does offer discounts for vehicle safety features, which could help further lower the premium, as Honda Civics tend to have numerous safety features.
GEICO also offers specialty policy options, including emergency roadside service and mechanical breakdown coverage, in addition to its more standard policies. It earned a score of 0.75 on the NAIC complaint index, which analyzes market-wide data against a national index of 1.00. Scores below 1.00 indicate fewer complaints than expected.
- Available nationwide
- Generally cheaper than some competitors
- Multiple coverage options, including roadside assistance
- Below-average claims satisfaction score from J.D. Power
- Fewer local agents than some competitors
- No senior or loyalty discounts
Learn more in our GEICO review.
State Farm
- AM Best: A++ (Superior)
- J.D. Power claims satisfaction: 710/1,000 (study average 697)
- BBB: F
- NAIC complaints: 0.84 (Private Passenger)
State Farm's average premiums for 2025 Honda Civics are slightly more expensive, at $167 per month for full coverage and $79 a month for liability-only. However, it's not as expensive as some other companies, and State Farm offers multiple discounts to help you find ways to save money on car insurance.
For example, State Farm offers discounts for new drivers, including for good students, for students away from home, and for teens who complete a defensive driving course. It also offers discounts for loyalty and policy bundling. Plus, extensive discounts for car safety features make it a good option if your teen is learning to drive in your Honda Civic.
State Farm is generally available nationwide, although it doesn't accept new business in Massachusetts or Rhode Island. You'll also need to contact an agent for a quote or policy. It earned a claims satisfaction score of 710/1,000 in J.D. Power's 2024 survey and holds an A++ rating from AM Best.
- Multiple policy discounts for teens
- Extensive list of coverage types
- High claims satisfaction scores from J.D. Power and NAIC
- No GAP insurance
- Potentially more expensive than some other insurance companies
- Requires getting a quote through an agent
Learn more in our State Farm review.
Average rate:
Allstate
- AM Best: A+ (Superior)
- J.D. Power claims satisfaction: 691/1,000 (study average 697)
- BBB: B-
- NAIC complaints: 1.02 (Private Passenger)
Allstate is generally a more expensive option for Honda Civic owners, costing an average of $87 per month for liability-only coverage and $186 for full coverage for the 2025 models.
If you typically drive less than average, its pay-per-mile program, Milewise, could help you save more than some competitors. You'll need to install a telematics device in your car, and you'll pay a flat base rate plus a per-mile fee. The program may not be available in every state.
I prefer Allstate's pay-per-mile insurance over companies that it because you have access to the same Allstate coverage options and can set your limits and deductibles. That's not always the case with other pay-per-mile insurance providers.
However, Allstate earned a below-average claims satisfaction score of 691/1,000 in J.D. Power's 2024 survey. It also had a slightly higher-than-average number of complaints, with an NAIC complaint index of 1.02.
- Potential savings with pay-per-mile insurance
- Multiple policy options and discount opportunities
- Available nationwide
- Slightly below-average claims satisfaction score from J.D. Power
- May be more expensive than some competitors
- Extra charge for roadside service
Learn more in our Allstate review.
Progressive
- AM Best: A+ (Superior)
- J.D. Power claims satisfaction: 672/1,000 (study average 697)
- BBB: A+
- NAIC complaints: 0.98 (Private Passenger)
2025 Honda Civic drivers pay an average of $140 per month for liability-only insurance with Progressive, while those with full coverage pay an average of $216 per month. While that's more expensive than some other companies, if you have some problems on your driving record, Progressive's coverage and offerings may make it worthwhile.
For example, Progressive can provide SR-22 forms, which demonstrate that you have car insurance that meets your state's minimum requirements. A court or the state can require an SR-22 form after a DUI, among other things. Not every insurance company offers SR-22 forms.
However, Progressive earned a below-average claims satisfaction score in J.D. Power's 2024 study. It scored 672/1,000, the second lowest in the survey.
- Offers multiple online tools, including Name Your Own Price
- Available nationwide
- Offers insurance to high-risk drivers
- Below-average claims satisfaction score from J.D. Power
- More expensive than several other companies
- Extra charge for roadside assistance
Learn more in our Progressive review.
What affects my Honda Civic insurance costs?
According to Insurify, Honda Civic drivers generally pay an average of $106 per month for liability insurance and $200 per month for full coverage. The national monthly average for liability coverage is $106, while full coverage costs $193. So Honda Civics may cost ever so slightly more to insure than the average.
Even though Honda Civics have high safety ratings, which may qualify you for extra insurance discounts, many factors determine how much you pay for car insurance, such as:
- Demographics like age, gender (in some states), and marital status
- Your credit score (in some states)
- Where you live
- Your driving record and accident history
- How many miles you drive each month
- Whether you drive for business or personal use
- The year, trim, and safety features of your Honda Civic
- Your policy coverages (i.e., full coverage or liability only, plus any add-on policies)
- Your policy limits and deductible amount
- The discounts you qualify for
- The insurance company you select
How can I save on insurance for my Honda Civic?
Finding ways to reduce car insurance requires some effort, but it pays off in the long run. While you can't control some of the factors that impact your car insurance premiums, you can take steps to lower your insurance bill, like:
- Shop around: Request car insurance quotes from at least three different companies to make sure you're getting the best deal. Compare policy types, but also consider coverage limits, deductibles, and claim settlement scores.
- Look for discounts: Insurance companies typically list the discounts they offer on their websites. Read reviews and research each company's options to see which you qualify for. It's often worth calling an agent to ensure you're getting all of the discounts you can.
- Bundle your home and auto policies: Many insurers offer bundle discounts for having both a home and auto policy or multiple auto policies with the same insurer.
- Pick coverage based on your needs: While adding every coverage option available might offer peace of mind, you may not appreciate the associated price tag. Strike a balance between the right amount of coverage for your protection and your budget.
- Consider your limits and deductibles: Similarly, while you need to have coverage limits that will take care of damages after an accident, having more coverage than you'll reasonably use is a waste. Additionally, consider increasing your deductible amount, which typically lowers your premium cost. Just ensure you select a deductible that you can reasonably afford to pay.
- Consider usage-based programs: Some insurance companies offer pay-per-mile or other usage-based programs. If you have safe driving habits and drive less than the average person, you might save money using one of these programs.
- Research insurance before buying a new car: A car's value is factored into your insurance premium, along with how much it costs to repair and the likelihood of theft. Before purchasing a new car, be sure to check the insurance costs associated with it.
FAQs
Are Honda Civics cheap to insure?
Honda Civics are generally cheaper to insure than some other cars. However, multiple factors determine your insurance premiums, including your age, location, driving record, and annual mileage. Your credit score and the types of policies and limits that you have can also impact how much you spend on car insurance.
What is the best auto insurance company for Honda Civics?
The best auto insurance company for Honda Civics depends on your lifestyle. If you're a member of the military, USAA generally has the lowest premium costs for both full and liability-only car insurance. If you have teenage drivers, consider State Farm for their good student and other teen-focused discounts. Allstate's Milewise program may be a good fit for safe drivers who drive less than the average person.
Who usually has the cheapest rates for Honda Civics?
Generally, USAA, GEICO, and State Farm offer the most affordable auto insurance rates for the Honda Civic. However, multiple factors contribute to the cost of car insurance, so it's worth shopping around to find the best deal. Pay attention to rates and coverage options, but also read customer reviews and research the company's financial stability before you start a policy.
Bottom line
Taking the time to find the right insurance for your Honda Civic can help you ensure you have the best coverage at the best price. As you search for the best car insurance, think about how you'll likely use the car and pick a company that best fits your needs. For example, if your teen will be the primary driver of the vehicle, look for an insurance company that offers discounts for teen drivers.
Also, pay attention to customer service reviews and financial stability scores from sites like AM Best to help you find a policy from a company that offers safety and security.
Average rate:
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