For many drivers, a 2019 Honda Civic costs about $1,200–$1,800 per year for full coverage, while liability-only could be roughly $400–$700 annually. Exact costs depend on location, driver profile, and chosen coverage.
Understanding insurance for this car involves factors like your age, driving history, where you live, how you use the vehicle, and the deductibles and limits you select. This article breaks down typical ranges, the factors that influence quote amounts, and practical tips to get the best rate when insuring a 2019 Civic.
What affects the cost of insuring a 2019 Honda Civic
Insurance premiums for the Civic are shaped by state laws and market conditions, your personal risk profile, and the policy you choose. The same car can cost substantially different to insure depending on where you live, your age, whether you drive mainly in urban or rural areas, and your driving history. Some states also restrict or ban certain rating factors (for example, credit-based scoring is not used everywhere). Understanding these variables helps explain why quotes can vary widely.
Key factors that influence price
Coverage levels and deductibles, vehicle safety features, and discounts also play major roles. You’ll typically see lower rates with higher deductibles, bundled policies, and good driver discounts, but higher deductibles raise out-of-pocket costs after a claim.
Estimated cost ranges for a 2019 Civic
Below are typical ranges you might encounter in common scenarios. These are approximate figures intended to illustrate how costs can vary rather than fixed prices.
- Scenario A: 30–40-year-old driver with a clean record and good credit in a moderate-cost state, full coverage with a $500 deductible — about $1,300–$1,700 per year.
- Scenario B: Young driver (under 25) or driver in a high-cost state, full coverage — roughly $1,900–$3,000+ per year; liability-only could be $800–$1,200.
- Scenario C: Senior driver (65+) with a clean record in a lower-cost state — about $1,000–$1,500 per year for full coverage; liability-only around $400–$700.
- Scenario D: Driver in a dense urban area with higher theft risk or premium-heavy state — full coverage typically $1,700–$2,800 per year; liability-only about $600–$1,000.
These ranges are approximate and can vary by insurer, policy limits, discounts, and changes in state regulations. Always compare quotes from multiple providers to find the best rate for your situation.
Ways to lower insurance costs for a 2019 Honda Civic
Implementing cost-saving strategies can significantly reduce your annual premium. The following approaches are commonly effective but may depend on your location and policy type.
- Shop around and get multiple quotes, including online rate comparisons and local agents.
- Choose higher deductibles, if you can comfortably cover the out-of-pocket expense after a claim.
- Bundle auto insurance with other policies (home, renters, or life) to receive multi-policy discounts.
- Maintain a clean driving record and take approved safety or defensive-driving courses for additional discounts.
- Ask about vehicle-specific discounts, such as anti-theft devices or telematics programs that reward safe driving.
- Consider usage-based or pay-per-mile options if you drive less than average.
- Review credit-based rating policies in your state and understand how they affect your rate where allowed.
Because discount availability and rules vary by insurer and state, it’s worth noting which programs you qualify for when requesting quotes.
Summary
Insuring a 2019 Honda Civic typically falls in the mid-range for US drivers, with full coverage commonly between $1,200 and $1,800 per year and liability-only often under $700. Costs vary widely based on location, driver characteristics, and coverage choices. The best way to know your exact premium is to obtain quotes from several insurers, considering deductibles, limits, and available discounts. With careful shopping and the right coverage mix, you can balance protection with affordability for your 2019 Civic.
Is insurance for a Honda Civic expensive?
The Civic is a more expensive vehicle to cover, with an average estimate of $2,323 per year or $194 per month for full coverage.
Is a Honda Civic cheap to insure?
This reliable vehicle is relatively inexpensive to run and insure. Honda Civic models range from insurance groups 5 to 43, so the cost of insurance can vary significantly depending on which model you have.
How much does it cost to insure a 2019 Honda Civic?
2019 Honda Civic
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| State Farm | $1,848 |
| Nationwide | $2,127 |
| Farmers | $2,632 |
| Allstate | $2,850 |
Is $200 a month expensive for car insurance?
Take California, for example. The average cost of a full-coverage auto insurance policy is $251 per month, based on our data. That's not too surprising given the state's high cost of living, dense traffic, increased risk of accidents and theft, and high risk of wildfires.