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Last updated: December 22, 2025Best Auto Insurance for Honda
State Farm, Erie, and Nationwide are some of our top picks for auto insurance if you have a Honda.
Best for Honda CR-V
Editor's Rating:4.9/5
Average Full Coverage Costs
- CR-V: $153 monthly
- Civic: $172 monthly
Best for Leased/Financed Hondas
Editor's Rating:4.8/5
Average Full Coverage Costs
- CR-V: $141 monthly
- Civic: $211 monthly
Best for Military Members
Editor's Rating:5/5
Average Full Coverage Costs
- CR-V: $140 monthly
- Civic: $149 monthly
Key Takeaways
- Honda is one of the most popular vehicle makes in the U.S., and its models tend to be relatively affordable to insure. Our top insurance pick for Honda Civics is Erie, while our recommendation for CR-Vs is State Farm.
- Honda drivers looking to bundle home and auto should consider American Family, while those with a leased or financed vehicle should get a quote from Nationwide. Military members will likely fare best with USAA.
- The rates provided here are averages, so your quoted rates may differ based on your vehicle’s age, your driving history, and your location, among other factors.
Summary of the Best Auto Insurance for Honda
- Best for Honda Civic: Erie
- Best for Honda CR-V: State Farm
- Best for Leased or Financed Vehicles: Nationwide
- Best for Military Members: USAA
- Best for Bundling: American Family
Comparison of the Best Auto Insurance for Honda
| Company | Full coverage monthly avg. (across makes and models) | Monthly avg. to insure a Honda Civic | Monthly avg. to insure a Honda CR-V | J.D. Power Claims Satisfaction Score (out of 1,000)1 | GAP coverage |
|---|---|---|---|---|---|
| State Farm | $169 | $172 | $153 | 716 | If financed with State Farm |
| Nationwide | $166 | $211 | $141 | 729 | Yes |
| USAA | $128 | $149 | $140 | 741 | If financed with USAA |
| Erie | $153 | $167 | $158 | 743 | Yes |
| American Family | $182 | $185 | $177 | 702 | Yes |
Breaking Down the Best Auto Insurance for Honda
1. Best for Honda Civic - Erie
What We Like Most:
- Lowest average rates for Honda Civic
- Unique add-on coverages
- Top customer satisfaction ratings
Why we chose it
Honda Civics are one of the most popular car models in the U.S.2 Erie stands out as our clear top pick for insuring this particular model, thanks to its mix of affordability and top-notch customer service. Erie offers the cheapest average rates for Honda Civics after USAA at $167 per month, which is 18 percent lower than the national average.
In addition, it ranked first in J.D. Power’s 2025 U.S. Auto Claims Satisfaction Study — even scoring higher than USAA — and earned a place on the CRASH Network Report Card’s Honor Roll,3 indicating that both policyholders and auto body repair shops are satisfied with the company’s handling of claims.
Erie offers a wide range of coverage options, some of which are not offered by many other companies, making it easy to customize your policy. These include coverage for pets, personal items, and new car replacement. It also has a unique rate lock option, which prevents your rate from increasing year-over-year unless you make changes to your policy.
Who it’s best for
Honda Civic owners, drivers looking for the best customer service, those who live in one of the 12 states where Erie is available
FYI:
Insurance for Honda Civics tends to be more expensive than for many other Honda models due to this model’s high theft rates — it is one of the top 10 most frequently stolen cars in most states.4
2. Best for Honda CR-V - State Farm
What We Like Most:
- Wide network of local agents
- Telematics program designed for young drivers
- Great bundling discounts
Why we chose it
The Honda CR-V is another very popular car model and is slightly cheaper to insure, on average, than Honda Civics. Drivers of this model should consider State Farm for their auto insurance. It offers some of the most affordable rates for this model, and it consistently earns high ratings in J.D. Power’s customer satisfaction studies — in fact, it’s the only major national insurer to rank above average in every region of the 2025 U.S. Auto Insurance Study.5
State Farm has a variety of discounts that policyholders can take advantage of, including for bundling auto with property insurance. It doesn’t advertise a percentage discount for bundling, but it advertises that drivers who bundle home and auto can save up to $1,356 annually on their insurance.
In addition, State Farm offers two telematics programs, Drive Safe & Save and Steer Clear. The former offers a discount of up to 30 percent for safe driving, while the latter is specifically designed for young drivers. Families with teens can also take advantage of discounts like those for good students, driver training, and students away at school.
Who it’s best for
Honda CR-V owners, those who want to work with an agent, teen drivers
3. Best for Leased or Financed Vehicles - Nationwide
What We Like Most:
- High claims satisfaction ratings
- Pay-per-mile policies
- Highly-rated digital tools
Why we chose it
Nationwide offers very affordable average rates for Honda drivers, and it ranked fourth in J.D. Power’s Claims Satisfaction Study. It has solid coverage offerings, including gap coverage, and accident forgiveness. If you lease or finance your Honda, your lender will most likely require you to purchase gap coverage. This helps pay for the difference between your car’s current value and the amount you have left on the lease or loan if your car is totaled or stolen.
The company also has a vanishing deductible option, which reduces your deductible by $100 each year you remain claim-free. Your deductible could be reduced by up to $500, which means it could vanish entirely if that’s the deductible amount you select for your policy.
Nationwide has two telematics programs, SmartRide and SmartMiles, and ranked first for usage-based insurance according to J.D. Power. SmartRide is a typical telematics program that tracks your driving habits and rewards you for safe driving, and its maximum discount of 40 percent is one of the highest available from any insurer. Meanwhile, SmartMiles is a pay-per-mile program that charges you a variable rate depending on how much you drive. If you drive less than average, you could save a significant amount on premiums.
Who it’s best for
Drivers with a leased or financed Honda who need gap coverage, low-mileage drivers, those who prefer to purchase a policy online
4. Best for Military Members - USAA
What We Like Most:
- Cheap rates
- Excellent customer satisfaction scores
- Coverage designed for military members
Why we chose it
For those eligible for membership, it’s hard to beat USAA when it comes to auto insurance coverage. USAA is available to active military members, veterans, and their families. It has some of the cheapest rates available for Honda models and consistently high customer satisfaction ratings. The average monthly cost to insure a Honda Civic with USAA is $149, while insuring a Honda CR-V costs around $140 per month.
One of the many benefits of USAA is that it offers various financial services beyond auto insurance, including loans for cars, motorcycles, and RVs. USAA’s auto loans apply to new or used Hondas and offer rates as low as 4.49 percent APR, which includes a discount of .25 percent if you sign up for automatic payments. Unlike some other lenders, USAA will let you take your car overseas if you deploy or move.
USAA offers various discounts, including for bundling home and auto, garaging your Honda at a military base, and putting your car in storage. Like several other providers, it has two telematics programs, one that rewards you for driving safely and another that offers a discount for driving less than average.
Who it’s best for
Those eligible for USAA, including active military, veterans, and their families; low-mileage drivers
5. Best for Bundling - American Family
What We Like Most:
- Below-average premiums for Honda drivers
- Generous bundling discount
- Offers gap coverage
Why we chose it
American Family offers competitive auto insurance rates for Honda drivers, along with a long list of discounts to help customers save. Among them is a discount of up to 40 percent if you bundle your auto and home insurance policies — one of the highest bundling discounts available from any provider. It also ranks above average in J.D. Power’s Home Insurance Study,6 making it a great choice for drivers who are interested in both policy types.
In addition, American Family has two telematics programs: DriveMyWay and MilesMyWay. DriveMyWay provides a discount of between 10 and 35 percent if you drive safely, while MilesMyWay provides a discount of up to 25 percent if you drive less than 8,000 miles annually.
The company also has below-average rates for drivers with DUIs — it could be worth getting a quote if you’re facing increased rates from your current provider due to a violation.
Who it’s best for
Homeowners looking to bundle home and auto, those with a DUI, people who live in one of the 19 states where the company operates
Frequently Asked Questions
On average, Hondas don’t tend to have much higher insurance than the average, but it depends on the model. The average monthly premium for a Honda Civic is $203, which is right around the national average of $196. Meanwhile, the average monthly premium to insure a Honda CR-V is $193, which is slightly lower than the national average.
To lower your Honda insurance, try shopping around with different providers to see if any can offer you a lower rate than what you’re currently paying — just make sure to get a quote for the same coverages you currently have. If you want to stay with your provider, you may consider increasing your deductibles if you have full coverage. The higher your deductibles, the lower your premium, but you should make sure you can afford to pay them out of pocket if you need to file a claim. You can also look into your company’s telematics program, which can offer significant discounts on your insurance.
Yes, Progressive covers Honda, but its rates tend to be more affordable than average. Progressive’s average monthly premium for a Honda Civic is $192, and its average rate for a Honda CR-V is $177.
One of the main reasons for high Honda Accord insurance is the model’s high theft rate. While it’s an affordable car to purchase and maintain, the higher-than-average risk of theft drives up insurance rates. However, your rate also depends on other factors, like your driving record and location, which likely play a role in your high insurance cost as well.
Methodology
We evaluated auto insurance companies on the following criteria to determine the best car insurance companies for Hondas:
- Pricing (40%): We analyzed average full coverage premiums for Honda models, including the Civic and CR-V, for sage drivers with good credit. Full coverage includes the following limits:
- Bodily injury: $100,000 per person/$300,000 per accident
- Property damage: $100,000 per accident
- Uninsured/underinsured motorist: $100,000 per person/$300,000 per accident
- Collision and comprehensive: $500 deductible
- Claims handling (25%): Processing claims is a key role of an insurance company, and policyholders expect to receive a prompt and fair settlement. To assess insurers’ claims handling processes, we consulted third-party sources such as J.D. Power’s Claims Satisfaction Study and the CRASH Network Report Card.
- Customer Experience (25%): We evaluated each provider’s customer service record, including ratings from J.D. Power and the NAIC. We consider how easy it is to get a quote and purchase a policy, as well as companies’ digital user experience and availability of agents.
- Coverage Options (10%): We looked at the add-on coverages offered by insurance companies, prioritizing those with coverages beyond the state-mandated minimums.
We use the latest industry research and third-party ratings to evaluate auto insurance providers, as well as feedback from real customers. Read more about our editorial guidelines.
Managing Editor & Industry Analyst
Maya Afilalo holds over 10 years of professional experience in writing, communications, and research, which she leverages to provide accurate and reliable information to empower consumers. In addition to overseeing content production, Maya has herself written many articles on auto insurance costs, company comparisons, state laws and requirements, and other topics. She is committed to helping consumers navigate the complex world of car insurance with clarity and confidence. Maya holds a bachelor’s degree from the University of Pennsylvania and a master’s from North Carolina State University.
Sources:
Satisfaction with Auto Insurance Claims Strained by Higher Deductibles, More Total Losses, J.D. Power Finds. J.D. Power. (2025, Oct 28).
https://www.jdpower.com/business/press-releases/2025-us-auto-claims-satisfaction-studyMost popular cars in America. Edmunds. (2025).
https://www.edmunds.com/most-popular-cars/Top Rated U.S. Car Insurance Companies for 2025. Crash Network. (2025).
https://www.crashnetwork.com/irc/Hot Wheels Top 10 By State. NICB. (2025).
https://www.nicb.org/sites/files/2022-07/Hot%20Wheels_Top%2010%20By%20State.pdfIt’s Now a Buyer’s Market for Auto Insurance, J.D. Power Finds. J.D. Power. (2025, June 10).
https://www.jdpower.com/business/press-releases/2025-us-auto-insurance-studyHomeowners Insurance Premium Increases Threaten Customer Loyalty, Long-Term Profitability, J.D. Power Finds. J.D. Power. (2025, Sept 16).
https://www.jdpower.com/business/press-releases/2025-us-home-insurance-study
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