Honda Civic Insurance Rates

Honda Civic insurance rates change from driver to driver, but average insurance rates for a Honda Civic are $1,536 a year for full coverage. This figure is based on a variety of individual factors such as your age, location, and the model year of your car. 

For example, 2005 Honda Civic insurance rates are likely more affordable than 2009 Honda Civic insurance rates.

In order to help you secure an affordable Honda Civic auto insurance policy, we have compiled a lot of helpful information in this guide. Start reading through the information below so you can finally discover the average insurance cost before you buy Honda Civic auto insurance.

You can even start comparing Honda Civic auto insurance quotes from multiple companies by entering your ZIP code into our free tool.

Estimated insurance rates for a Honda Civic are $1,512 a year with full coverage. Comprehensive costs an estimated $256 a year, collision costs $626, and liability costs around $450. A liability-only policy costs as low as $518 a year, with high-risk insurance costing around $3,316. Teenage drivers pay the most at $5,808 a year or more.

Average premium for full coverage: $1,512

Premium estimates broken down by type of coverage:

Price estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and Civic trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on car insurance rates. More rural locations are statistically proven to have a lower frequency of collision claims than densely populated cities.

The diagram below illustrates how where you live affects insurance prices.

These rate differences demonstrate why it is important to compare prices for a targeted area and risk profile, instead of making a decision based on average rates.

Use the form below to get customized rates for your location.

Detailed Rate Analysis

The chart below details estimated Honda Civic insurance rates for other coverage scenarios.

• The best discount rate is $857
• Using higher $1,000 deductibles will save approximately $1,314 annually
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,512
• Using low $100 deductibles for physical damage coverage will increase the cost to $1,908
• High-risk insureds who are prone to accidents and violations could pay up to $3,316 or more
• An auto insurance policy for full coverage for a 16-year-old driver can cost as much as $5,808 or more

View Chart as Image

Auto insurance prices for a Honda Civic also have a wide range based on your driving characteristics, the trim level and model year, and liability limits and deductibles.

Older drivers with a good driving record and high deductibles may pay as low as $1,400 a year, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay at least $5,800 a year. View Rates by Age

Where you choose to live has a huge impact on Honda Civic insurance prices. A driver around age 40 might see prices as low as $1,090 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,040 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $600 annually, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost up to $358 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out $1,800 to $2,500 in extra premium annually, depending on your age. A high-risk auto insurance policy can be from 43% to 132% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the best way to find out which insurance company is cheapest is to get quotes from multiple companies. Each insurance company uses a different method to calculate prices, and quoted prices will be substantially different from one company to the next.

Insurance Rates by Trim Level and Model Year

Rates assume 2023 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find Cheaper Honda Civic Insurance

Finding better rates on insurance for a Honda Civic requires being a good driver, having good credit, being claim-free, and qualifying for all possible discounts. Take the time to comparison shop at every other renewal by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following list is a condensed summary of the concepts that were touched on in the above illustrations.

• Drivers considered higher risk with multiple at-fault accidents may pay on average $1,800 more annually than a safer driver
• Drivers age 16 to 20 are the costliest to insure, possibly costing $484 per month if they have full coverage
• You may be able to save approximately $190 per year simply by quoting early and online
• Increasing policy deductibles can save around $600 each year
• You may be able to save approximately $190 per year simply by quoting early and online

Now that you have a better understanding of how Honda Civic car insurance rates are determined, the next step is to find out what your policy might look like. Take advantage of our free quote tool below to compare Honda Civic insurance costs from multiple companies.

What are the safety ratings of the Honda Civic?

The safety ratings of the Honda Civic are important to know because positive scores translate to lower insurance rates.

Take a look at the Honda Civic’s crash test ratings as determined by the Insurance Insitute for Highway Safety (IIHS).

• Small overlap front (driver-side): Good
• Small overlap front (passenger-side): Good
• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

These results indicate that the Honda Civic received the highest mark possible in every crash test. That’s very impressive for a small car.

Honda Civic Compared Against Other Vehicles in the Same Class

Since the IIHS classifies the Honda Civic as a small four-door sedan, there is plenty of competition in this vehicle segment. 

Take a look at the following models that are comparable to the Honda Civic to see what average insurance rates look like:

• Nissan Sentra
• Hyundai Elantra
• Toyota Prius

While the preceding three sedans also show favorable insurance rates, the Honda Civic reflects a bodily injury loss percentage of 29 percent and a property damage loss percentage of 11 percent. Both are considered a little above average for this vehicle class. Make sure to ask your provider about to file Honda Civic auto insurance claims in the event of a collision.

We have uncovered a lot of information about the Honda Civic, so is there anything we might’ve missed? If not, start comparing Honda Civic insurance rates from multiple companies by using our free online quote tool.