Honda Civic Insurance Cost in Kentucky
Official 2026 rate study for insuring a Honda Civic in Kentucky (KY). Compare full coverage against state minimum liability (25/50/25), model year depreciation, and major carrier underwriting benchmarks.
Official Specification & Legal Compliance Records
📊 Key Statistics: Honda Civic in Kentucky (2026)
Journalists, automotive researchers, and academic writers may cite and reuse these localized actuarial figures with attribution to AutoInsure.online.
AutoInsure.online (2026 Kentucky Auto Insurance Index)
Honda Civic Rates by Model Year in Kentucky
Depreciation schedule calculated for Kentucky insurance premiums from 2012 to 2026.
| Model Year | Full Coverage (Annual) | Full Coverage (Monthly) | State Min Liability | Savings vs 2026 | Coverage Advice |
|---|---|---|---|---|---|
| 2026 | $1,929 | $161/mo | $68/mo | Baseline | Full Coverage (Comp + Collision) |
| 2025 | $1,856 | $155/mo | $68/mo | -4% | Full Coverage (Comp + Collision) |
| 2024 | $1,788 | $149/mo | $69/mo | -7% | Full Coverage (Comp + Collision) |
| 2023 | $1,725 | $144/mo | $70/mo | -11% | Full Coverage (Comp + Collision) |
| 2022 | $1,665 | $139/mo | $70/mo | -14% | Full Coverage (Comp + Collision) |
| 2021 | $1,610 | $134/mo | $71/mo | -17% | Full Coverage ($1,000 Deductible) |
| 2020 | $1,558 | $130/mo | $72/mo | -19% | Full Coverage ($1,000 Deductible) |
| 2019 | $1,509 | $126/mo | $72/mo | -22% | Full Coverage ($1,000 Deductible) |
| 2018 | $1,464 | $122/mo | $73/mo | -24% | Full Coverage ($1,000 Deductible) |
| 2017 | $1,421 | $118/mo | $74/mo | -26% | Consider 10% Rule (Liability Only) |
| 2016 | $1,381 | $115/mo | $74/mo | -28% | Consider 10% Rule (Liability Only) |
| 2015 | $1,344 | $112/mo | $75/mo | -30% | Consider 10% Rule (Liability Only) |
| 2014 | $1,310 | $109/mo | $76/mo | -32% | Consider 10% Rule (Liability Only) |
| 2013 | $1,277 | $106/mo | $76/mo | -34% | Consider 10% Rule (Liability Only) |
| 2012 | $1,247 | $104/mo | $77/mo | -35% | Consider 10% Rule (Liability Only) |
Honda Civic Rates by Driver Age in Kentucky
Actuarial loss-cost surcharges and discounts applied by Kentucky carriers based on driver experience.
Estimated Quotes by Carrier: Honda Civic in Kentucky
Sample underwriting benchmarks across major carriers serving Kentucky drivers.
| Insurance Carrier | A.M. Best Rating | Estimated Monthly | Estimated Annual | Action |
|---|---|---|---|---|
| State Farm | A++ | $153/mo | $1,836/yr | |
| Progressive | A+ | $158/mo | $1,896/yr | |
| GEICO | A++ | $150/mo | $1,800/yr | |
| Allstate | A+ | $156/mo | $1,872/yr |
Frequently Asked Questions: Honda Civic Insurance in Kentucky
How much does it cost to insure a Honda Civic in Kentucky? ▾
Full-coverage car insurance for a Honda Civic in Kentucky averages approximately $161 per month ($1,929 per year). Drivers opting for statutory state minimum liability (25/50/25) pay approximately $68 per month ($810 per year).
Is Honda Civic insurance cheaper or more expensive in Kentucky? ▾
The Honda Civic is approximately 21.3% cheaper than the statewide average vehicle insurance rate of $2,450/year in Kentucky. Its Moderate actuarial risk classification and 5-star crash safety rating help keep physical damage loss ratios stable.
What are the legal minimum insurance requirements for a Honda Civic in Kentucky? ▾
Under Kentucky insurance statutes, any motor vehicle registered in the state must carry at least $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage liability (25/50/25), plus mandatory Personal Injury Protection (PIP) of at least $10,000.
How much does a 16-year-old pay to insure a Honda Civic in Kentucky? ▾
A 16-year-old teen driver on a standalone policy pays approximately $402/month ($4,823/year) for full coverage in Kentucky. Parents can substantially lower this surcharge by adding the young driver to a family multi-car policy and submitting good student grade transcripts.
When should I drop full coverage on an older Honda Civic in Kentucky? ▾
Apply the actuarial 10% Rule: if the annual cost of comprehensive and collision coverage exceeds 10% of your vehicle's actual cash value (ACV), consider switching to state minimum liability only. In Kentucky, this typically occurs around model year 2018 or older.
Compare Honda Civic Insurance Across Other States
See how insurance rates for the Honda Civic vary across different state statutory jurisdictions.