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 OnlyYou’re viewing this tier | Higher limits; still nothing for your car | $67 – $112 | $804 – $1,344 |
| Full CoverageMost owners | 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 liability only includes
- Bodily Injury Liability at 50/100 or 100/300 limits
- Property Damage Liability at $50K-$100K
- Optional Uninsured/Underinsured Motorist above New York's mandatory floor
- Optional Medical Payments
- New York's $50,000 no-fault PIP (mandatory statewide, not specific to this tier)
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 already bakes a $50,000 no-fault PIP benefit and a 25/50/10 liability floor into every policy — the highest minimum among the country's high-volume markets — so this tier isn't adding protection you lack, it's pushing bodily injury and property damage limits past that floor, typically to 50/100 or 100/300 BI with $50K-$100K in property damage, plus optional UM/UIM stacked above New York's mandatory uninsured-motorist baseline. PIP doesn't move: your medical bills stay covered at $50,000 regardless of which limits you pick. What never moves, at any limit, is coverage for the Civic itself — liability-only pays other people, never you.
That last point cuts harder on this car than most. A 2024 Civic sits at the bottom MSRP tier, carries 5-star crash safety, and rates cheap to repair — the profile that usually argues for skipping comp and self-insuring the physical damage. But this Civic also ranks #4 nationally for theft frequency, and theft isn't a repair bill liability-only can absorb — it's a total loss only comprehensive coverage answers, and comprehensive isn't on this tier at any BI/PD limit.
The math: $67-$112 a month here against $160-$266 for full coverage on the same Civic ($188-$314 with a low deductible) — this tier runs about 42% of the full-coverage price, and nearly all of that gap is the comp/collision premium New York charges to insure a frequently-stolen model. New York doesn't make that gap cheap to skip, either: the state ranks 46th nationally for affordability, full coverage averages $232 a month against a $108 minimum-coverage average statewide, and rate filings have pushed premiums up 15-25% since 2022, layered on top of the NYC-metro claim density that already keeps New York's baseline elevated.
One nuance worth reading closely at quote time: New York requires a baseline UM/UIM layer on every policy, so this tier's optional UM/UIM line isn't adding coverage from zero — it's stacking above a floor you already carry. Given how often a New York claim involves an underinsured driver on the other side, especially in NYC-metro traffic, that stacking is the one upgrade on this tier worth paying for beyond the BI/PD bump itself.
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 liability only the right tier for you?
- Owns the Civic free and clear and wants BI/PD pushed to 50/100 or 100/300 for real lawsuit protection in New York's dense claim environment — not just the bare 25/50/10 floor the state requires.
- Garages the Civic somewhere with real theft security — a locked garage, a low-traffic upstate town — and is comfortable self-insuring collision/comp against the Civic's cheap repair costs, but still wants liability room given New York's litigation exposure.
- Drives NYC-metro roads regularly and wants UM/UIM stacked meaningfully above New York's mandatory floor, since the state's claim density raises the odds the other driver is underinsured.
- Financed or leased the Civic — the lender's contract requires full coverage, and given this Civic's #4 theft ranking, that requirement is protecting against a real exposure, not just paperwork.
- Parks or commutes through NYC or another dense New York metro regularly, where this Civic's #4 theft-frequency ranking is a live, uncovered exposure under this tier.
- Can't absorb the Civic's full replacement cost or an out-of-pocket repair after an at-fault crash — liability-only, even at 100/300, pays $0 toward the car itself.
$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 coverage | $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 liability coverage
These are typical market add-ons, not New York mandates and not priced in our rate model. Confirm each line on a quote.
- 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
01Does New York's no-fault PIP still apply if I only buy liability-only coverage?
Yes — the $50,000 PIP benefit is mandatory on every auto policy sold in New York, independent of which BI/PD limits you choose on this tier. It pays your own medical bills after a crash; upgrading liability limits only changes what you owe toward other people's injuries and property.
02If I raise my liability limits to 100/300, does that cover the Civic if it's stolen?
No. Liability limits, at any level, only pay for injury or damage you cause to someone else. Theft is a comprehensive-coverage claim, and comprehensive isn't part of this tier — worth weighing given this Civic's #4 national theft ranking.
03How much cheaper is this than full coverage on the same Civic?
$67-$112 a month here versus $160-$266 for full coverage ($188-$314 with a low deductible) — this tier runs about 42% of the full-coverage price. Almost all of that savings is the comp/collision premium you're giving up, which is the exact coverage that answers this Civic's theft risk.
04Is uninsured motorist coverage part of this tier, or do I need to add it?
New York requires a baseline UM/UIM layer on every policy sold in the state, so it's never absent. What this tier's optional UM/UIM line buys is protection above that mandatory floor — worth considering given how often New York claims involve an underinsured driver, especially in NYC-metro traffic.
05What extra do I get vs New York minimum on a Civic?
Higher liability caps than 25/50/10 plus $50,000 PIP. You still do not have comprehensive or collision. The modeled price for that middle tier is $67 – $112; full coverage on the same 2024 Honda Civic is $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.
