Best Honda Civic Car Insurance in 2024 (Your Guide to the Top 10 Companies)

Best Pick for Honda Civic: Geico

19,116 reviews

4.1

Company Facts

Full Coverage for Honda Civic

$154/mo

A.M. Best Rating

A++

Complaint Level

Low

Pros & Cons

• Affordable rates
• A++ rating from A.M. Best
• Good claims handling

• Doesn’t have gap insurance
• Few in-person agents

» Geico Car Insurance Review

19,116 reviews

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Best Military Savings for Honda Civic

6,434 reviews

4.7

Company Facts

Full Coverage for Honda Civic

$163/mo

A.M. Best Rating

A++

Complaint Level

Low

Pros & Cons

• Low rates
• Excellent customer Service
• Specialty military coverage

• No gap insurance
• Membership eligibility

» USAA Car Insurance Review

6,434 reviews

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Best Coverage for Civic: State Farm

17,757 reviews

4.1

Company Facts

Full Coverage for Honda Civic

$167/mo

A.M. Best Rating

B (Fair)

Complaint Level

Low

Pros & Cons

• Has the third-lowest average premium among the top 10 providers
• Consistently strong financial standing and solid rankings
• Policies are available in all 50 states
• Customers have a variety of online options and an easy-to-use app

• Rates can be pricey depending on where you live
• Could stand to offer more discounts, like federal employees, green vehicles, and occupational
• Limited add-ons available

» State Farm Car Insurance Review

17,757 reviews

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With monthly premiums starting at $66, and a variety of coverage options, Geico, USAA, and State Farm offer the best Honda Civic car insurance.

Some of the factors that determine Honda Civic rates include driver and vehicle age, along with the model’s safety features.

To figure out what the best Honda Civic car insurance will look like for you, reference the data compiled in this helpful article.

Our Top 10 Company Picks: Best Honda Civic Car Insurance

Company	Rank	Multi-Vehicle Discount	A.M. Best	Best For	Jump to Pros/Cons
	#1	25%	A++	Affordable Rates	Geico
	#2	10%	A++	Military Savings	USAA
	#3	20%	B	Complete Coverage	State Farm
	#4	12%	A+	Roadside Assistance	Progressive
	#5	25%	A+	Local Agents	Allstate
	#6	20%	A	Safe Drivers	Farmers
	#7	25%	A	Occupational Discount	Liberty Mutual
	#8	20%	A+	Deductible Options	Nationwide
	#9	8%	A++	Bundling Policies	Travelers
	#10	20%	A	Loyalty Rewards	American Family

You can start comparing quotes for the best Honda Civic car insurance rates from some of the best car insurance companies by using our free online tool now.

#1 – Geico: Top Overall Pick

Pros

• Affordable Rates: Geico offers some of the most competitive rates in the industry, with monthly premiums starting as low as $73. This makes it a top choice for those seeking the best Honda Civic car insurance at a budget-friendly price. Visit our article entitled “Geico Car Insurance Review” for further information.
• Strong Multi-Vehicle Discount: Geico provides a 25% discount for insuring multiple vehicles, which is among the highest in the industry. This can lead to significant savings, especially for households with more than one car. This discount is a key factor in why Geico is considered one of the best Honda Civic car insurance providers.
• Extensive Coverage Options: Geico offers a wide range of coverage options, including comprehensive and collision coverage, that can be tailored to meet the specific needs of Honda Civic drivers. This flexibility in coverage ensures that you get the best Honda Civic car insurance that suits your requirements.

Cons

• Limited Local Agent Support: Geico primarily operates online, which means that personalized, face-to-face interactions with agents are limited. This might not be ideal for those who prefer in-person assistance, especially when seeking the best Honda Civic car insurance with direct agent support.
• Higher Rates for High-Risk Drivers: Geico’s affordable rates are less competitive for drivers with a history of accidents or traffic violations, potentially leading to higher premiums. This can be a drawback if you’re looking for the best Honda Civic car insurance but have a less-than-perfect driving record.

#2 – USAA: Best for Military Savings

Pros

• Exclusive Military Savings: USAA offers special discounts for military members and their families, making it a top choice for those eligible. These savings, combined with their A++ rating from A.M. Best, make USAA one of the best Honda Civic car insurance options for military families. Their exclusive membership benefits further enhance the value.
• Top-Rated Customer Service: USAA consistently ranks high for customer satisfaction, offering reliable support throughout the insurance process. This high level of service is a key reason why USAA is considered one of the best Honda Civic car insurance providers.
• Strong Financial Stability: With an A++ rating from A.M. Best, USAA is financially strong and dependable, ensuring that your claims are handled efficiently. This reliability is crucial when choosing the best Honda Civic car insurance.

Cons

• Membership Restrictions: USAA’s insurance is only available to military members, veterans, and their families, which limits accessibility. This exclusivity can be a downside if you’re seeking the best Honda Civic car insurance but don’t qualify for membership.
• Higher Premiums for Non-Military: While USAA offers great rates for military members, their premiums may be less competitive for those outside of this group. This can be a disadvantage if you’re looking for the best Honda Civic car insurance without military ties. View additional information in the article named “USAA Car Insurance Review.”

#3 – State Farm: Best for Complete Coverage

Pros

• Complete Coverage Options: State Farm offers a wide range of coverage options, including liability, collision, and comprehensive coverage, tailored to meet the needs of Honda Civic drivers. Their comprehensive options make them one of the best Honda Civic car insurance providers for full coverage.
• Local Agent Support: With a network of local agents, State Farm provides personalized service and support, helping you find the best Honda Civic car insurance coverage for your needs. This local presence can be particularly valuable during the claims process. Check out our informative article, “State Farm Car Insurance Review,” for further information.
• Competitive Multi-Vehicle Discount: State Farm offers a 20% discount for insuring multiple vehicles, helping to lower your overall insurance costs. This discount, along with their comprehensive coverage, makes them a strong contender for the best Honda Civic car insurance.

Cons

• Lower Financial Rating: State Farm has a B rating from A.M. Best, which is lower than some of its competitors. This might be a concern for those prioritizing financial stability when choosing the best Honda Civic car insurance.
• Higher Rates for Some Drivers: Depending on your location and driving history, State Farm’s rates can be higher than those offered by other providers. This can be a drawback if you’re seeking the best Honda Civic car insurance at the most competitive price.

#4 – Progressive: Best for Roadside Assistance

Pros

• Roadside Assistance Coverage: Progressive offers robust roadside assistance coverage, ensuring you’re never stranded in case of an emergency. This feature adds significant value to their policies, making Progressive one of the best Honda Civic car insurance providers for drivers who want peace of mind on the road.
• Snapshot Program for Savings: Progressive’s Snapshot program rewards safe driving habits with potential discounts, helping you save on your premium. This usage-based insurance option is a key feature that makes Progressive one of the best Honda Civic car insurance choices for budget-conscious drivers.
• Strong Financial Stability: Progressive has an A+ rating from A.M. Best, reflecting its ability to handle claims and maintain financial health. This rating is crucial for those seeking the best Honda Civic car insurance with a reliable provider.

Cons

• Inconsistent Customer Service: While Progressive offers many coverage options, their customer service reviews are mixed, particularly regarding the claims process. This inconsistency can be a downside when looking for the best Honda Civic car insurance with dependable support. Browse extra details in this article entitled “Progressive Car Insurance Review.”
• Higher Premiums for High-Risk Drivers: Progressive’s rates tend to be higher for drivers with accidents or violations, which can make it less competitive for those seeking the best Honda Civic car insurance with a history of incidents. This can be a significant drawback for high-risk drivers.

#5 – Allstate: Best for Local Agents

Pros

• Local Agent Support: Allstate offers personalized service through its network of local agents, providing tailored advice and support. This direct interaction is one of the reasons Allstate is considered one of the best Honda Civic car insurance providers, especially for those who value face-to-face communication.
• Good Multi-Vehicle Discount: Allstate provides a 25% discount for insuring multiple vehicles, which is one of the highest in the industry. This substantial discount makes Allstate an excellent choice for the best Honda Civic car insurance for families with multiple cars.
• Strong Financial Stability: Allstate holds an A+ rating from A.M. Best, indicating strong financial health and reliability. This rating is a key factor in why they are considered one of the best Honda Civic car insurance providers. Visit our Allstate car insurance review to learn more.

Cons

• Higher Premiums for Some Drivers: Allstate’s rates can be higher than those of competitors, especially for younger or high-risk drivers. This can be a drawback when searching for the best Honda Civic car insurance with the most competitive pricing.
• Mixed Customer Service Reviews: Some customers have reported varying experiences with Allstate’s customer service, particularly in handling claims. This inconsistency can be a concern if you’re looking for the best Honda Civic car insurance with consistently strong support.

#6 – Farmers: Best for Safe Drivers

Pros

• Safe Driver Discounts: Farmers offer discounts for safe drivers, rewarding those with clean driving records. This discount can significantly lower your premium, making Farmers one of the best Honda Civic car insurance providers for drivers who prioritize safety. This also aligns well with their A rating from A.M. Best. Check our Farmers car insurance review to understand more.
• Strong Multi-Vehicle Discount: Farmers offers a 20% discount for insuring multiple vehicles, which can result in substantial savings. This discount is particularly beneficial for families, making Farmers one of the best Honda Civic car insurance choices for multi-car households.
• Local Agent Support: Farmers has a network of local agents who provide personalized service and support. This direct interaction is a key reason why Farmers is considered one of the best Honda Civic car insurance providers for those who prefer in-person communication.

Cons

• Higher Rates for High-Risk Drivers: Farmers’ premiums can be higher for drivers with less-than-perfect driving records, which may be a disadvantage for those seeking the best Honda Civic car insurance with a history of accidents or violations. This could make their rates less competitive for high-risk drivers.
• Limited Availability of Discounts: While Farmers offers several discounts, they may not be as comprehensive or easy to qualify for compared to other insurers. This limitation can reduce the potential savings, which might be a drawback for those seeking the best Honda Civic car insurance with a more extensive discount program.

#7 – Liberty Mutual: Best for Occupational Discount

Pros

• Occupational Discount: Liberty Mutual offers unique discounts for certain professions, including teachers, engineers, and first responders. This occupational discount makes Liberty Mutual one of the best Honda Civic car insurance providers for individuals in these fields. Their A rating from A.M. Best further assures customers of their financial stability.
• Customizable Deductible Options: Liberty Mutual allows you to customize your deductible, which can help lower your premium or make your coverage more affordable. This level of customization is an added benefit when looking for the best Honda Civic car insurance that fits your budget.
• Customizable Deductible Options: Liberty Mutual allows you to customize your deductible, which can help lower your premium or make your coverage more affordable. This level of customization is an added benefit when looking for the best Honda Civic car insurance that fits your budget.

Cons

• Higher Premiums for High-Risk Drivers: Liberty Mutual’s rates tend to be higher for drivers with a history of accidents or traffic violations, which could be a disadvantage if you’re seeking the best Honda Civic car insurance with competitive pricing for high-risk drivers. This could make their policies less attractive for those with less-than-perfect driving records.
• Mixed Customer Service Reviews: Some customers have reported inconsistent experiences with Liberty Mutual’s customer service, particularly regarding the claims process. This variability in service can be a downside when choosing the best Honda Civic car insurance with reliable support, especially during claims. Read our article on “Liberty Mutual Car Insurance Review” to learn more.

#8 – Nationwide: Best for Deductible Options

Pros

• Deductible Options: Nationwide offers a range of deductible options, allowing you to customize your policy to better fit your financial situation. This flexibility makes Nationwide one of the best Honda Civic car insurance providers, especially for those looking to balance coverage and cost. Their A+ rating from A.M. Best also highlights their financial stability.
• Strong Multi-Vehicle Discount: With a 20% discount for insuring multiple vehicles, Nationwide offers significant savings for families and individuals with more than one car. This discount is an important factor when considering Nationwide as the best Honda Civic car insurance option. For more details, visit our article called “Nationwide Car Insurance Discount.”
• Vanishing Deductible Program: Nationwide’s Vanishing Deductible program rewards safe drivers by reducing their deductible over time, which is a unique feature that enhances their value. This program is a key reason why Nationwide is considered one of the best Honda Civic car insurance providers.

Cons

• Higher Premiums for Certain Drivers: Depending on your driving record and location, Nationwide’s premiums can be higher than those of some competitors. This can be a disadvantage if you’re looking for the best Honda Civic car insurance with the most competitive rates for all drivers. Their rates might be less appealing for younger or high-risk drivers.
• Mixed Customer Service Reviews: Some customers have experienced varying levels of satisfaction with Nationwide’s customer service, particularly when handling claims. This inconsistency can be a concern if you’re seeking the best Honda Civic car insurance with consistently strong support during the claims process.

#9 – Travelers: Best for Bundling Policies

Pros

• Bundling Policies for Savings: Travelers offers significant discounts when you bundle your auto insurance with other policies, such as home or renters insurance. This bundling option makes Travelers one of the best Honda Civic car insurance providers for those looking to maximize their savings. Their A++ rating from A.M. Best also indicates strong financial health.
• Strong Financial Stability: With an A++ rating from A.M. Best, Travelers is one of the most financially stable insurers, ensuring that your claims will be handled efficiently. This reliability is crucial when choosing the best Honda Civic car insurance provider.
• Customizable Policy Options: Travelers allow for a high degree of policy customization, including adjustable deductibles and coverage limits, which can help you tailor your insurance to your specific needs. This customization makes them a top choice for the best Honda Civic car insurance, allowing you to find the perfect balance between cost and coverage.

Cons

• Higher Rates for High-Risk Drivers: Travelers’ premiums can be higher for drivers with a history of accidents or violations, which could be a drawback if you’re seeking the best Honda Civic car insurance with competitive rates for high-risk individuals. We go into further detail about this in our comprehensive Travelers car insurance review.
• Limited Local Agent Support: While Travelers offers strong online and phone support, their presence of local agents may be limited in some areas, which can be a disadvantage for those who prefer face-to-face interactions when managing their best Honda Civic car insurance policy. This limitation could impact the overall customer experience.

#10 – American Family: Best for Loyalty Rewards

Pros

• Loyalty Rewards: The American Family offers loyalty rewards, including discounts and perks for long-term customers, which enhances their value over time. These rewards make American Family one of the best Honda Civic car insurance providers for those who value customer loyalty programs. Their A rating from A.M. Best reflects their financial strength.
• Customizable Coverage Options: American Family offers a range of customizable coverage options, allowing you to tailor your policy to your specific needs. This flexibility is a significant advantage for those seeking the best Honda Civic car insurance.
• Good Customer Service: American Family is known for its strong customer service, offering personalized support and assistance through its network of local agents. This service quality is one of the reasons they’re regarded as one of the best Honda Civic car insurance providers. Learn more through our American Family car insurance review.

Cons

• Higher Rates for High-Risk Drivers: American Family’s rates can be higher for drivers with a history of accidents or violations, which may be a downside if you’re looking for the best Honda Civic car insurance with competitive pricing for high-risk individuals. This could make their policies less appealing to those with imperfect driving records.
• Limited Availability: American Family is not available in all states, which can be a significant limitation if you’re looking for the best Honda Civic car insurance but live in an area where they don’t operate. This lack of availability can restrict access to their policies for some customers.

The Size and Class of the Honda Civic

The Honda Civic is classified as a “small” car. This classification is not arbitrary; it is based on specific criteria related to the vehicle’s weight and shadow, which is the overall length multiplied by the width in square feet. These dimensions determine the car’s footprint and are used to categorize it accurately.

For SUVs and pickups, the classification process also involves weight, but they rely more heavily on weight than shadow to determine their category. This distinction is important because the size and weight of a vehicle impact various factors such as fuel efficiency, safety ratings, and insurance costs.

Read more: Compare Scion Car Insurance Rates

Honda Civic Insurance Cost

The chart below details how Honda Civic insurance rates compare to other sedans like the Audi S3, Toyota Avalon, and Chevrolet Sonic.

The average Honda Civic car insurance costs are $1,536 a year or $128 a month.

However, there are a few things you can do to find the best Honda car insurance rates online. You can use our free tool below to get a quote on your Honda Civic.

Impact of Honda Civic Size on Bodily Injury Liability Rates

Honda Civic Theft Rates and Comprehensive Coverage Costs

Vehicle theft rates do change based on location, of course. According to a study by the National Criminal Justice Reference Service, vehicle theft is significantly higher in areas with more rental properties and a heavy industrial presence. It’s also riskier to leave your car at work in a rural area than an urban one.

Older vehicles are still among those most stolen, and very common models are also the most popular to steal. This is because these vehicles are often taken to a “chop shop,” where they are dismantled for parts.

With the high theft rate, insurers are going to take extra precautions. That trickles down to you, the owner. Expect your Civic’s comprehensive insurance to set you back more than it would for some other vehicles.

It’s also important to know that your rates depend on your location, car accident and theft risk in your location influence your insurance rates, as insurers factor in both theft and accident risks when determining premiums.

Easily find the best rates and coverage options tailored to your needs, all in just a few clicks. Start comparing the best Honda Civic car insurance quotes for free by using our free online comparison tool.

Repair Costs and Their Effect on Collision and Comprehensive Insurance Rates

If you get hit by an uninsured motorist, you may never see the money to cover your damages. Collision coverage is there to protect you in this scenario. It’ll help pay for any damages that come from a collision with another vehicle or object — regardless of fault.

What if the damage isn’t from a collision? If you get damage from, say, a tree limb falling onto your car, that’s something that comprehensive insurance covers. It also covers acts of vandalism or if you hit a deer with your car.

Because of the high repair costs associated with car accidents, your rates will be higher for new vehicles and pricier ones. Your insurer wants more in premiums to offset the higher repair costs. New car parts simply cost more, and mechanics aren’t always familiar with a new model. That means more time spent on labor.

Finding the Best Honda Civic Car Insurance

Choosing the best Honda Civic car insurance requires balancing coverage needs with cost-effectiveness.

With top providers like Geico, USAA, and State Farm offering a range of policies, it’s important to evaluate what each insurer brings to the table, from discounts for safe driving to comprehensive protection against theft and accidents.

Remember, factors like your location, driving history, and the specific model year of your Honda Civic can significantly impact your car insurance premiums.

By using comparison tools and considering the unique benefits each provider offers, you can find the insurance that best fits your needs and keeps your Honda Civic securely covered. Start comparing the best Honda Civic car insurance quotes for free by using our free online comparison tool below.