Why Is Honda Civic Insurance So High? Decoding the Numbers

At the center of the question ‘Why is Honda Civic insurance so high?’ lies the prominence of the Honda Civic on your list if you’re shopping for a new car.

It’s a popular choice for many reasons; it’s reliable, efficient, and stylish.

However, there’s one downside that may not be immediately apparent: the cost of insurance.

For some drivers, the monthly insurance premium for a Civic can be pretty high.

In this article, we’ll explore why Honda Civic insurance rates tend to be so high and offer some tips on how you can save money on your premium.

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An image showing an example of a Honda Civic vehicle PHOTO: Freepik.


What Is The Average Cost Of Honda Civic Insurance?

As per information from Cover.com, the typical expense for Honda Civic insurance amounts to $1,876 annually, a relatively high figure in comparison to the average car insurance cost of $1,771 per year.

Furthermore, Coverhound provides average yearly insurance premiums for various Honda Civic model years:

  • 2009 Honda Civic: $1,382
  •  2010 Honda Civic: $1,390
  •  2011 Honda Civic: $1,438
  •  2012 Honda Civic: $1,472
  • 2013 Honda Civic: $1,502

These figures represent averages, and your actual premium may vary based on various factors.

Examining the determinants influencing Honda Civic insurance rates can shed light on potential fluctuations in your specific premium.

Factors That Affect Honda Civic Insurance Rates

Theft Rate

The theft rate represents the number of reported thefts per 100,000 insured vehicles, directly affecting your insurance rates.

Lower theft rates result in reduced insurance costs because vehicles with a high theft rate present a greater risk of theft, leading to increased insurance claims.

Due to its widespread popularity, the Honda Civic is not only commonly seen on the roads but is also one of the most frequently targeted vehicles for theft.

The appeal of the Civic lies in the ease with which thieves can interchange parts from one Civic to another, making it a prime target for theft, often to strip it for parts rather than sell the entire vehicle.

In response to the elevated risk of theft associated with the Honda Civic, insurance companies typically charge higher premiums for drivers of this particular car model to compensate for potential theft-related expenses.


Where you live can impact how much you pay for insurance.

If you’re in a city, expect to shell out more than someone in the countryside.

City life means more traffic, which makes accidents more likely.

Also, cities tend to have more car thefts, so insurance companies charge more to cover stolen cars.

So, if you’re driving a Honda Civic, your insurance rates will be influenced by where you call home.

Living in a busy city with lots of traffic?

Get ready to pay more for insurance compared to folks in quieter rural areas.

Damage Susceptibility

The probability of your car experiencing damage significantly influences the calculation of your insurance premiums.

Owning a vehicle that is more susceptible to damage typically results in higher premium costs.

Regrettably, the Honda Civic stands out as one of the most frequently stolen cars in America, placing it at an elevated risk of sustaining damage.

Car susceptibility to damage is evaluated by the National Highway and Traffic Safety Administration (NHTSA), with scores assigned based on their vulnerability.

The Civic receives a score of 109 on the NHTSA’s scale, slightly surpassing the overall average score of 100. As a consequence, owning a Civic is likely to lead to increased insurance rates.

Age of Driver


Younger, less experienced drivers often prefer compact cars such as the Honda Civic.

Consequently, insurance companies charge higher premiums for this age group due to their higher likelihood of accidents compared to older, more experienced drivers.

This trend is more pronounced among young males, who generally take more risks while driving, leading to almost double the accident rate compared to females under 25.

Vehicle Model Year and Trim Level

Your car’s year and trim level significantly influence your insurance expenses.

Newer, high-end vehicles tend to result in higher premiums due to increased repair and replacement costs in accidents.

Moreover, they are more prone to theft, prompting insurance companies to charge elevated premiums to cover potential replacement expenses.

The Honda Civic, with its various model years and trims, from the economical LX to the luxurious Type R, shows varying insurance rates.

Typically, insuring newer and more expensive models comes with higher costs compared to older and more affordable alternatives.

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An image showing a yellow Honda Civic vehicle. PHOTO: FREEPIK 

Tips To Save on Honda Civic Insurance

Consider these suggestions to reduce your Honda Civic insurance costs:

1. Enhance security with an anti-theft device:

Qualify for potential premium discounts by installing an anti-theft device in your vehicle.

2. Explore multiple insurers:

Don’t settle for the first option you come across; shop around and compare rates from different insurance companies before making a decision.

3. Inquire about available discounts:

Some insurers provide discounts for factors such as a clean driving record or being a safe driver. Make sure to inquire about any applicable discounts.

4. Opt for a higher deductible:

Lower your premium by choosing a higher deductible, indicating your willingness to cover more out-of-pocket expenses in case of an accident.

Frequently Asked Questions

What makes the Honda Civic a popular choice?

The Honda Civic stands out for its commendable performance, impressive fuel efficiency, spacious interior for passengers, and sophisticated design.

What makes Honda Civics ubiquitous?


The Honda Civic boasts an affordable price tag for individual buyers, resonating well with those seeking budget-friendly commuting options.

Is purchasing a high-mileage Honda Civic a secure choice?

Irrespective of the model year, the Honda Civic stands out as a highly reliable compact car in the market.

Frequently, these vehicles can surpass the 200,000-mile threshold, providing an average American driver with 14 to 16 years of service.

It is not unusual to come across Honda Civics that have logged over 300,000 miles.


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