Honda Civic Insurance Costs in Illinois
The Honda Civic is the best-selling compact car in America and a top choice for first-time buyers. Its IIHS Top Safety Pick+ rating and Honda Sensing standard safety suite keep rates reasonable, but its popularity with younger drivers means actuarial tables price the risk slightly above the Camry.
Honda Civic Insurance Tips
Civic insurance is slightly higher than Camry due to its younger driver demographic — age is the single biggest rate factor
Honda Sensing (standard on all trims) qualifies for safety technology discounts of 5–10% at many insurers
The Civic Sport and Si trims attract sporty driver profiles — insurers may classify these like sports cars in some states
Hatchback variants have slightly higher rates than sedans due to the utility/sporty premium
Honda Civic Insurance Rates by State
Full coverage, standard driver profile (35 yr, 12K miles/yr, 10 yrs experience). Click any state for a detailed breakdown.
How to Get the Cheapest Honda Civic Insurance Rate
Compare at least 5 quotes
Rates for the same Honda Civic driver profile vary $400–$1,200/year between insurers. Always compare GEICO, Progressive, State Farm, Erie, and your local regional insurer.
Bundle home and auto
Most insurers offer 10–25% multi-policy discounts. Bundling your Honda Civic with homeowners or renters insurance typically saves $180–$400/year.
Raise your deductible
Moving from a $500 to $1,000 deductible saves $150–$350/year. Only do this if you can comfortably cover $1,000 out-of-pocket after a claim.
Ask about safety technology discounts
The Honda Civic's safety features (automatic emergency braking, lane assist) qualify for ADAS discounts of 5–12% at most major insurers. Confirm this discount is applied to your quote.
Maintain a clean driving record
A single at-fault accident adds 25–45% to your premium for 3–5 years. The single most impactful long-term strategy for low insurance costs is accident avoidance.