Best Honda Civic Auto Insurance in 2024 (Find the Top 9 Providers Here)

Geico, USAA, and State Farm offer the best Honda Civic auto insurance coverage. However, there are various factors that affect auto insurance rates, so compare Civic quotes from various top providers.

You may also be eligible for certain auto insurance discounts, including Honda Civic safety features, anti-theft, usage-based, or good driver discounts, to offset high Honda Civic insurance costs.

Our Top 9 Company Picks: Best Honda Civic Auto Insurance

There are also other ways to get lower rates, such as buying an older Honda Civic or shopping around for better quotes.

Below, you can evaluate the best Honda insurance companies and learn how to get Honda Civic auto insurance. You can also enter your ZIP code above to find cheap quotes for Honda insurance.

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#1 – Geico: Best for Cheap Rates

Pros

• Competitive Pricing: You can find the cheapest auto insurance for Honda Civics at Geico. Read more about how you can save on Honda Civic coverage in our Geico auto insurance review.
• Various Coverages: You can get various coverage options for your Honda Civic with Geico, including rental reimbursement, roadside assistance, mechanical breakdown.
• Online Platform: Geico also has a sophisticated online platform for paying your premiums, filing Honda insurance claims, and speaking with a customer service agent.

Cons

• Few Local Agents: Unfortunately, you won’t find many in-person offices with Geico.
• Discounts Vary: Availability of certain discounts with Geico may vary by state.

#2 – USAA: Best for Military Families

Pros

• Low Rates for Military: USAA has some of the cheapest rates out there for military members, edging out even Geico in some cases. Read more in our USAA Auto Insurance Review.
• Good Customer Satisfaction: J.D. Power auto insurance studies show USAA has excellent customer satisfaction.
• Coverage Options: USAA offers diverse auto insurance coverage options, including Honda full coverage auto insurance, roadside assistance, rental reimbursement, and rideshare coverage.

Cons

• Few In-Person Offices: USAA isn’t the best choice if you’re looking for in-person service.
• Limited Availability: Only military members and their families qualify for USAA auto insurance coverage.

#3 – State Farm: Best for Discount Options

Pros

• Multiple Discounts: You’ll find a wide array of discounts with State Farm, including anti-theft, good student, good driver, Drive Safe & Save, and more. Learn more about eligible State Farm discounts in our State Farm auto insurance review.
• Various Agents: State Farm has a vast agency network for Honda Civic drivers who want personalized customer support.
• Online Platform: State Farm has an excellent website and mobile app for convenient policy management.

Cons

• Discounts Vary: Discount availability with State Farm varies by state.
• No Gap Insurance: Unfortunately, you can’t get gap insurance coverage with State Farm.

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#4 – Progressive: Best for Snapshot Program

Pros

• Snapshot: Read our Progressive Snapshot review to learn how policyholders can save up to 30% on their auto insurance premiums and get cheaper Honda auto insurance coverage.
• Name Your Price: The Progressive Name Your Price tool allows you to customize insurance premiums to fit coverage preferences and lower your Civic rates.
• Various Coverage Types: Progressive offers accident forgiveness, pet collision coverage, and rideshare coverage. Read more in our Progressive Auto Insurance Review.

Cons

• Few Local Agents: Progressive doesn’t offer a lot of in-person offices for Honda Civic drivers who want personalized support.
• Discount Availability Varies: Progressive discount availability varies by state, so talk with a representative to know your options.

#5 – Allstate: Best for Drivewise Program

Pros

• Drivewise Program: Allstate Drivewise is a telematics program that tracks driving behaviors and offers a discount of up to 30% for safe driving, similar to State Farm’s Drive Safe & Save program. Read more in our State Farm vs. Allstate Auto Insurance Review.
• User-Friendly Mobile App: Allstate has an excellent mobile app for filing claims and paying premiums. See how Allstate’s sophisticated online system can benefit your coverage in our Allstate auto insurance review.
• Various Coverage Options: You can get accident forgiveness, new car replacement coverage, and a safe-driving bonus with Allstate.

Cons

• High Rates for Some Drivers: Some drivers may see higher-than-average rates with Allstate, so always get a quote before you decide.
• Low Customer Ratings: Allstate has relatively low customer satisfaction ratings from J.D. Power’s 2023 study.

#6 – Farmers: Best for Signal App

Pros

• Signal: Civic drivers could save up to 15% on their car insurance for participating in Farmers Signal, the company’s telematics program.
• Customizable Policies: You can customize your policy to fit your needs and budget at Farmers. Learn more in our Farmers Auto Insurance Review.
• Local Agents: Farmers has a vast array of local agents if you prefer to do business in person.

Cons

• Few Online Tools: Farmers doesn’t have a great website or mobile app for policy management.
• Not Available in all States: You can’t get a Farmers policy in Alaska, Delaware, Florida, Hawaii, Maine, New Hampshire, Rhode Island, Vermont, Washington, D.C., or West Virginia.

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#7 – Liberty Mutual: Best for RightTrack Program

Pros

• RightTrack: Save up to 30% on your auto insurance with RightTrack, Liberty Mutual’s telematics program. Read more in our Liberty Mutual Auto Insurance Review.
• 24/7 Claims Assistance: Civic drivers who need to file a claim at odd hours can rest easy with Liberty Mutual’s 24/7 customer support.
• Online Tools: Liberty Mutual offers a great mobile app and website for policy customization and management.

Cons

• Limited Agent Availability: Unfortunately, you won’t find many local agents with Liberty Mutual.
• High Complaint Index: Liberty Mutual has an NAIC complaint index more than two times higher than average.

#8 – Nationwide: Best for Vanishing Deductible

Pros

• Vanishing Deductible: For every year Civic drivers practice safe driving, Nationwide reduces your deductible by $100, up to $500 total.
• Good Customer Satisfaction: Nationwide has excellent customer satisfaction ratings, according to J.D. Power.
• Various Coverages: Nationwide has various coverage options, including vanishing deductible, car key replacement, accident forgiveness, and pet injury coverage.

Cons

• Few Local Agents: Nationwide doesn’t offer a lot of local agents.
• Limited Availability: Despite its name, you can’t buy a Nationwide policy in all states.

Read More: Nationwide Auto Insurance Review

#9 – American Family: Best for KnowYourDrive Program

Pros

• Good Customer Satisfaction: American Family has an excellent rating in the 2023 J.D. Power auto insurance study. Read more in our American Family Auto Insurance Review.
• Various Add-on Coverages: You can find gap insurance, rideshare insurance, and accidental death and dismemberment coverage at American Family.
• Local Agents: American Family offers a great agency network.

Cons

• Not Available Nationwide: You can’t get an American Family policy in all U.S. states.
• Few Online Tools: American Family doesn’t have the best online resources.

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Average Honda Insurance Rates vs. Honda Civic Auto Insurance

While Geico is the best company for Honda insurance, the type of Honda model you pick affects your rates, making it important to compare auto insurance rates by make and model.

Take a look at the table below to compare Civic rates to other Honda models:

Honda Auto Insurance Monthly Rates by Model & Coverage Level

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So, which cars have the lowest auto insurance premiums? Of all the Honda models, the Honda Fit is the cheapest, averaging $113 for full coverage.

What Impacts Your Honda Civic Auto Insurance Quotes

Various factors impact your Honda car insurance rates, including age, gender, coverage options, and much more. Check out the table below to compare average auto insurance rates by age for Honda Civics:

Honda Civic Auto Insurance Monthly Rates by Age & Gender

Age & Gender	Minimum Coverage	Full Coverage
16-Year-Old Male	$175	$350
16-Year-Old Female	$145	$305
20-Year-Old Male	$135	$275
20-Year-Old Female	$115	$255
30-Year-Old Male	$95	$225
30-Year-Old Female	$85	$195
40-Year-Old Male	$75	$175
40-Year-Old Female	$70	$145
50-Year-Old Male	$65	$155
50-Year-Old Female	$60	$135
60-Year-Old Male	$55	$125
60-Year-Old Female	$48	$115
70-Year-Old Male	$50	$105
70-Year-Old Female	$45	$95

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In addition, the age of your vehicle affects your rates.

Auto insurance for new cars is more expensive than for older cars since repair costs are much higher than for older vehicles.

Scott W. Johnson Licensed Insurance Agent

See how the cost to insure a new Civic compares to an older one here:

Always compare average rates and quotes from top providers to find cheap auto insurance for Honda Civics.

Top 5 Ways to Save on Honda Civic Auto Insurance

Consider the following tips if you’re looking for lower auto insurance rates for your Honda Civic:

• Locate discounts. Find auto insurance providers offering various discounts to maximize savings.
• Bundle policies. Most of the top auto insurance companies offer additional discounts to customers who purchase more than one policy.
• Drop unnecessary coverages. If you have an older car that’s not worth much, you could consider dropping full coverage.
• Increase your deductible. The higher your deductible, the lower your rates. However, don’t increase your deductible to an amount you can’t afford to pay out of pocket.
• Compare quotes. Compare Honda Civic insurance quotes from the top providers to find the lowest premiums.

As you can see, there are many ways to get cheaper Civic car insurance coverage.

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Where to Buy the Best Honda Civic Auto Insurance

Geico, USAA, and State Farm are the cheapest Honda insurance companies, offering an excellent balance between affordability and good customer service.

Compare Honda Civic car insurance rates from these providers and more by entering your ZIP code below.

Frequently Asked Questions

Are Honda Civics expensive to insure?

Honda Civics are relatively affordable to insure, averaging $85 monthly for full coverage.

Which company offers the best Honda Civic auto insurance?

You can find the best auto insurance for Civics from Geico, USAA, and State Farm.

Who has the cheapest Honda Civic auto insurance, Geico or Progressive?

Generally, Geico offers cheaper average auto insurance rates than Progressive for Honda Civics. However, you should compare quotes to know for sure.

Is Allstate or Geico better for Honda Civic auto insurance?

Geico is the best company for Honda Civic insurance.

Is Liberty Mutual cheaper than Geico for Honda Civic auto insurance?

Generally, Geico offers cheaper rates for Civics than Liberty Mutual.

What type of auto insurance gives you the most coverage?

Full coverage auto insurance, consisting of liability, collision, and comprehensive, offer the most coverage for your Honda Civic.

Does credit score affect Honda Civic auto insurance rates?

Yes, many top car insurance companies consider credit score when setting rates for your Honda Civic.

How much should I pay for a new Honda Civic?

The MSRP for a 2024 Honda Civic LX sedan is $23,950.

How much is auto insurance on a new Honda Civic?

Auto insurance for a 2024 Honda Civic costs around $650 monthly for full coverage. (Read More: Auto Insurance for New Cars)

Are Honda Civics cheap to maintain?

Yes, Civics are relatively affordable to maintain and also offer cheap insurance rates.

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Written by:

Tim Bain

Licensed Insurance Agent

Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.

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Written by Tim Bain

Licensed Insurance Agent

Reviewed by:

Eric Stauffer

Licensed Insurance Agent

Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...

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Reviewed by Eric Stauffer

Licensed Insurance Agent

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