How much is Honda Civic insurance in New York?
For the driver profile in our methodology, a 2024 Honda Civic costs between $79/mo at the state minimum and $314/mo for low-deductible full coverage. Most owners land in the full-coverage row — lenders and lessors require it.
| Coverage level | What it covers | Monthly | Annual |
|---|---|---|---|
| Minimum Coverage | Other people's injuries and property only | $79 – $132 | $948 – $1,584 |
| Liability Only | Higher limits; still nothing for your car | $67 – $112 | $804 – $1,344 |
| Full CoverageMost ownersYou’re viewing this tier | Adds damage to your Civic, theft, glass | $160 – $266 | $1,920 – $3,192 |
| Full Coverage + Low Deductible | Same, with less out of pocket per claim | $188 – $314 | $2,256 – $3,768 |
What full coverage includes
- Liability set above NY's mandatory 25/50/10 floor
- $50,000 no-fault PIP, required statewide on every tier
- Comprehensive — the load-bearing coverage given the Civic's fourth-place national theft ranking
- Collision at the standard $500 deductible
- Uninsured/underinsured motorist, mandatory on every New York policy
What New York requires to drive a Civic
New York lists 25/50/10 plus $50,000 PIP as the liability floor. That is what makes a Civic legal to drive — not full coverage, not a $500 deductible, and not a particular carrier.
- Liability floor
- 25/50/10 plus $50,000 PIP
- Fault system
- New York is a no-fault state — PIP typically rides on every policy.
- PIP
- Personal injury protection is required at this state’s minimum.
- Uninsured motorist in the minimum
- UM/UIM is not listed as part of the state minimum in our registry — it is typically added, not assumed.
Civic insurance cost by model year
Newer models cost more to insure — a 2024 Civic runs about 17% more than a 2020 — because comp and collision track replacement value and parts cost. Liability barely moves with age.
| Model year | Full coverage / mo | Liability / mo | vs. 2024 |
|---|---|---|---|
| 2024 | $160 – $266 | $67 – $112 | — |
| 2023 | $152 – $253 | $66 – $111 | −5% |
| 2022 | $146 – $242 | $66 – $110 | −9% |
| 2021 | $139 – $231 | $64 – $108 | −13% |
| 2020 | $133 – $221 | $63 – $105 | −17% |
Civic vs. comparable vehicles
How the Civic stacks up against the vehicles shoppers most often cross-shop it with — the Toyota Corolla insures for about 11% less in New York. Same coverage, same driver profile.
| Vehicle | Full coverage / mo | vs. Civic | Why it differs |
|---|---|---|---|
| Honda Civic | $160 – $266 | — | Below-average claim severity |
| Toyota Corolla | $143 – $238 | −11% | Corolla stays off the NICB most-stolen list, trimming the comp portion of its premium. |
| Hyundai Elantra | $154 – $257 | −4% | Elantra carries immobilizer-era theft exposure that keeps its comp line elevated. |
| Kia Forte | $154 – $257 | −4% | Forte pairs a cheaper parts basket with a top-15 theft rank — the two roughly cancel. |
Civic insurance cost by New York city
New York City drivers pay about 22% above the state average while Syracuse runs 9% below. City pricing follows claim frequency — dense-metro traffic and repair costs carry the surcharge.
| City | Full coverage / mo | vs. NY average |
|---|---|---|
| New York City | $195 – $325 | +22% |
| Yonkers | $182 – $303 | +14% |
| Buffalo | $154 – $255 | −4% |
| Rochester | $149 – $247 | −7% |
| Syracuse | $146 – $242 | −9% |
Why Civic insurance costs what it costs
New York's full-coverage floor already carries more baked-in mandate than most states: $50,000 in no-fault PIP, 25/50/10 liability minimums, and compulsory uninsured motorist coverage sit under every policy sold here, full coverage or not. Add comprehensive and collision at the standard $500 deductible, and a Civic owner is stacking three distinct protections — no-fault medical costs regardless of fault, liability to others, and the vehicle itself. For a five-star-rated compact with a low repair-cost profile, that third layer is doing more work than the safety rating alone would suggest.
Theft is what actually drives this line item. The Civic ranks fourth nationally for theft frequency, and New York's claim volume runs heaviest through the NYC-metro corridor — the same geography where premiums already sit above the upstate baseline. A stolen Civic isn't a cheap body-shop fix despite its low repair-cost rating; it's an actual-cash-value payout, and liability-only or minimum-tier buyers absorb that loss themselves. A modest sticker price doesn't offset how often this car gets taken.
Full coverage runs $160–$266 a month here, against $79–$132 for bare state minimums and $67–$112 for liability-only — roughly double the minimum floor, and that gap is pure comprehensive-and-collision spend stacked on an already-elevated no-fault base, not a liability repricing. Dropping the deductible from $500 to $250 pushes the band to $188–$314, about $28–$48 more a month. New York's rate filings have pushed premiums up 15–25% since 2022, so even this band's low end reflects a market still catching up.
What the model knows about this Civic
- NHTSA overall
- 5 starsFeeds the safety multiplier in our rate model. We do not publish IIHS/HLDI scores — they are not in this registry.
- NICB theft list
- Rank #4On-list vehicles get a comprehensive surcharge in rates.ts.
- MSRP tier
- budgetReplacement-cost proxy. Higher tiers raise the full-coverage mid-point.
- Repair severity
- lowClaim-severity proxy used only on comprehensive/collision, not on the liability floor.
Is full coverage the right tier for you?
- Financed or leased 2024 Civic owners — lenders require comp and collision, and NY's NYC-metro claim density means that payout actually gets used
- Anyone garaging or parking overnight in the NYC-metro corridor, where the state's claim frequency and the Civic's theft odds compound each other
- Owners who'd rather not self-fund a total-loss payout on a car that ranks fourth nationally for theft, regardless of its modest MSRP tier
- Owners who hold clear title, garage the Civic outside the NYC-metro corridor, and are comfortable self-insuring against comp and collision loss
- Civic owners driving a paid-off car whose actual cash value has depreciated enough that a comprehensive payout wouldn't clear much past the $500 deductible
- Strict minimum-spend shoppers who'll accept New York's mandatory $50k PIP, 25/50/10, and UM floor at the liability-only band ($67–$112) and skip comp/collision entirely
$500 vs $250 deductible on a Civic
On a Civic this model prices a $250 deductible at $28–$48/mo above the $500 deductible. You save $250 per comprehensive or collision claim; you pay the extra premium every month whether you claim or not.
| Tier | Deductible | Monthly | Annual | In this file |
|---|---|---|---|---|
| Standard full coverageYou’re viewing this tier | $500 | $160 – $266 | $1,920–$3,192 | Default first-party deductible in this model |
| Low-deductible full coverage | $250 | $188 – $314 | $2,256–$3,768 | Priced at 1.18× the $500 band in rates.ts |
Add-ons that are not automatic on full coverage
These are typical market add-ons, not New York mandates and not priced in our rate model. Confirm each line on a quote.
- Rental reimbursement
If this Civic is your only car, a shop visit without a rental add-on is an out-of-pocket week.
Not automatic on full coverage. Typical market price cited elsewhere on this site is $5–15/mo — confirm on the quote, do not treat that as a filed NY rate.
- Loan/lease payoff (gap)
New or financed Honda Civic: actual cash value after a total loss can sit below the loan.
State law does not require gap. Lenders sometimes sell it at the dealership; price it against the same add-on on the auto policy.
- Roadside assistance
Useful on a sedan you drive far from a dealer network — towing, lockout, flat.
2024 vehicles may still have factory roadside; stacking two roadside products rarely helps.
Carriers that commonly quote New York
These are carriers we have real logos for and that commonly quote New York. We do not publish a per-carrier Civic price — that would be a fabricated quote. The range on this page is the modeled band, not “from $X at GEICO.”
GEICOLowest base rate
ProgressiveSR-22 + tickets
TravelersNew vehicles
How to lower your Civic rate
- Raise your deductible to $1,000. On a Civic premium this is the single biggest lever you control directly.Saves ~$17–$32/mo
- Shop at least three carriers. Rates for the identical Civic profile differ by 2x or more between carriers in New York.Saves up to $1,000+/yr
- Right-size your PIP. New York is a no-fault state — if your health insurance already covers auto injuries, coordinating or trimming PIP limits cuts a mandatory coverage you may be double-paying.Saves 5–15%
- Add an anti-theft device. The Civic is on the NICB most-stolen list — a tracked immobilizer or kill switch earns a filed comprehensive credit with most carriers.Saves 3–10%
- Report your real mileage. Commuting under ~10,000 miles a year moves you down a rating band with most carriers, and pay-per-mile programs go further if you drive little.Saves 5–15%
- Bundle home or renters. Multi-policy is the largest standing discount most carriers file — typically 10–20% off the auto side.Saves 10–20%
About these numbers
Sources. Rate ranges are modeled from average premiums published by the New York Department of Insurance and industry rate data, adjusted per vehicle using NICB theft rankings, NHTSA safety ratings, MSRP tier, and repair-severity data. They are estimates, not filed quotes.
Rating profile. Unless noted: a 35–55-year-old driver with a clean record, average credit where states allow it, 12,000 annual miles, and standard $500 comprehensive and collision deductibles. Your rate will differ — that is the point of quoting.
Ranges, not averages. We publish a band rather than a single average because the spread between carriers for the same driver routinely exceeds 2x — a lone number hides the gap that makes shopping worth your time.
What this model does not do. It does not publish age-band prices, ticket/DUI/credit surcharge tables, per-carrier quotes, J.D. Power ranks, NAIC complaint indexes, or IIHS/HLDI scores. Vehicle knobs are only the four in the rate model: MSRP tier, NICB theft rank, NHTSA stars, and repair-severity tier. The $250-deductible band is the $500 band × 1.18.
Honda Civic insurance in New York: FAQ
01Why does full coverage cost almost double the state-minimum band for the same car?
New York already requires $50,000 PIP and 25/50/10 liability on every policy — that's baked into the $79–$132 minimum band. Full coverage adds comprehensive and collision on top of that already-elevated no-fault base, which is why $160–$266 runs roughly double even though liability itself didn't get more expensive.
02My Civic isn't worth much on paper — is comprehensive really necessary?
The Civic ranks fourth nationally for theft frequency, so the risk that matters here is a total loss, not a fender-bender. Low repair costs don't help when the car is simply gone — comprehensive pays actual cash value, and without it that loss lands entirely on you.
03Should I take the $500 deductible or drop to $250?
Dropping to $250 moves the band from $160–$266 to $188–$314 — about $28–$48 more a month. Given how high the Civic ranks for theft nationally, that lower deductible is worth pricing out on the comprehensive side before defaulting to the standard $500.
04Does the price change much between NYC and upstate New York?
Yes — New York's own claim data shows NYC-metro frequency running well above the upstate baseline, and that's what stretches this band from $160 to $266. The statewide average for full coverage is $232, above the middle of that range, so expect quotes to skew toward the top end in the five boroughs and Long Island and toward the bottom end further upstate.
05Is full coverage required on a financed Civic in New York?
Typically yes, by contract — not by New York statute. The state floor is 25/50/10 plus $50,000 PIP. A lender can force-place a policy if you drop comprehensive or collision. This page models the $500-deductible stack at $160 – $266.
06What does New York actually require to drive a Civic?
New York lists 25/50/10 plus $50,000 PIP as the liability floor. Full coverage is a market/lender product on top of that, modeled here at $160 – $266 for a 2024 Honda Civic.
