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 $1,518 a year for full coverage. Comprehensive insurance costs an estimated $268, collision insurance costs $630, and liability insurance is $440. Liability-only insurance costs around $510 a year, and high-risk driver insurance costs $3,326 or more. Teenage drivers pay the most at up to $5,796 a year.

Average premium for full coverage: $1,518

Premium estimates broken down by type of coverage:

Prices are based on $500 deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all states and for all Civic models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on insurance rates. More rural locations are statistically proven to have lower incidents of accident claims than densely populated cities. The example below illustrates how where you live affects insurance prices.

These rate differences show why everyone should compare rates quotes for a targeted area, rather than relying on average rates.

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

Detailed Rate Analysis

The chart below shows average Honda Civic insurance rates for other coverage scenarios.

• The best discount rate is $862
• Raising to $1,000 deductibles will save approximately $202 a year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,518
• Using pricier low deductibles will cost an additional $402 a year
• Higher-risk drivers who are prone to accidents and violations could pay up to $3,326
• An auto insurance policy that insures a teen driver for full coverage can cost as much as $5,796

View Chart as Image

Insurance prices for a Honda Civic also have a wide range based on the model of your Civic, how you drive, and liability limits and deductibles.

If you have a few violations or you caused an accident, you could be paying $1,800 to $2,500 additional annually, depending on your age. Honda Civic insurance for high-risk drivers is expensive and can cost anywhere from 43% to 132% more than a normal policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay at least $5,700 a year. View Rates by Age

Where you choose to live also has a big influence on Honda Civic insurance rates. A middle-age driver might find prices as low as $1,000 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,170 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $610 each year, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $351 more each year. View Rates by Deductible or Liability Limit

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 Affordable Honda Civic Insurance

Finding better rates on Honda Civic insurance consists of not taking risks behind the wheel, having a good credit score, not filing small claims, and possibly raising deductibles. Compare prices every time your policy renews by requesting quotes from direct carriers, and also from your local independent and exclusive agents.

The following is a brief review of the information touched on in the above illustrations.

• Drivers can save approximately $190 per year just by quoting online well ahead of the renewal date
• Teens are expensive to insure, as much as $483 per month if comprehensive and collision insurance is included
• Increasing policy deductibles can save approximately $600 each year
• High-risk drivers with DUI or reckless driving convictions may pay on average $1,810 more annually for Civic insurance
• Drivers who want higher liability limits will pay an extra $480 each year to raise from 30/60 bodily injury limits to the 250/500 level

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.