Honda Civic Insurance in Massachusetts
Rates from $40 – $67/mo minimum coverage, $114 – $189/mo full coverage. Compare top MA carriers below.
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Updated October 2026 · Source: Massachusetts DOI + IQ rate model
Average monthly premium — 2024 Honda Civic, Massachusetts
Ranges shown reflect typical driver profiles (clean record, 35-55, average credit, 12k mi/yr). Your actual rate varies by age, credit, prior insurance, and coverage limits. Get a real quote in 2 minutes.
Top carriers for Honda Civic drivers in Massachusetts
"From" rates are directional based on carrier price-leader behavior, not real quotes. Real rate depends on your driver profile.
Why Honda Civic insurance costs what it does in Massachusetts
Lowers liability + medical-payments premiums by ~2–5% vs an equivalent 3-star vehicle.
Raises comprehensive premium ~12% vs comparable vehicles not on the list. Anti-theft discounts can offset most of it.
Parts are inexpensive and widely available — keeps collision claims cheap.
Massachusetts is a no-fault state requiring 20/40/5 liability + $8,000 PIP. Credit score, gender, marital status, education, and occupation are all prohibited rating factors — one of the most consumer-protective rating environments in the US. Premiums are below the national average despite high density.
Frequently asked questions
01How much is Honda Civic insurance in Massachusetts?
Massachusetts drivers of a 2024 Honda Civic pay about $114 – $189 per month for full coverage, or roughly $40 – $67 per month for minimum coverage. Your actual rate depends on age, credit, driving history, mileage, and coverage limits — a real quote from a licensed agent typically takes under 2 minutes.
02Is full coverage required on a financed Civic?
Yes. If your Civic has a loan or lease, the lender will require both comprehensive and collision (together "full coverage") for the duration of the loan. Massachusetts law itself only requires the state liability minimums (20/40/5 plus $8,000 PIP), but the lender's contract overrides that.
03What's the cheapest carrier for a Civic in Massachusetts?
Cheapest varies by driver profile, but in Massachusetts the major carriers most often quoting the lowest premiums for a Civic are GEICO, Progressive, and State Farm. Regional carriers (Amica, Plymouth Rock, and MAPFRE) sometimes beat the majors for clean-record drivers. The only way to know is to compare 3-4 quotes side by side.
04Does the Civic's theft rate raise my comprehensive premium?
Yes, modestly. The Honda Civic ranks #4 on the NICB Hot Wheels most-stolen list, which adds roughly 5-12% to comprehensive premiums vs an equivalent vehicle not on the list. Anti-theft devices (factory immobilizer, kill switch, tracking) can offset most of the surcharge — ask your agent which discounts your MA carrier offers.
05Does Massachusetts require SR-22 after a DUI for a Civic?
After a DUI, Massachusetts requires an SR-22 filing from your insurer certifying you carry the state minimum coverage. The filing itself is usually $25, but the underlying premium for a Civic typically jumps 60-150% for 3-5 years after the DUI. Some carriers won't write new SR-22s — Progressive, Travelers, and The General are the most common SR-22 writers.