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.

The average insurance rates for a Honda Civic are $1,512 a year for full coverage insurance. Comprehensive costs approximately $256, 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. 16-year-old drivers cost the most to insure at $5,808 a year or more.

Average premium for full coverage: $1,512

Policy rates by type of insurance:

Prices are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and for different Civic trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than congested cities.

The price range example below illustrates how location impacts auto insurance prices.

The examples above illustrate why anyone shopping for car insurance should compare prices using their specific location, instead of using rate averages.

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

Rate Comparisons

The chart below illustrates estimated Honda Civic insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $857
• Using higher $1,000 deductibles will save $198 each year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,512
• Buying more expensive low deductibles for physical damage coverage bumps up the cost to $1,908
• Drivers with multiple tickets or accidents could pay around $3,316 or more
• Policy cost that insures a teen driver with full coverage can cost $5,808 or more

View Chart as Image

Car insurance rates for a Honda Civic also range considerably based on the model year and trim level, your age and driving record, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,800 to $2,500 extra every year, depending on your age. High-risk driver insurance can be as much as 43% to 132% more than the average rate. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,400 a year, or $117 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged in the ballpark of $5,800 a year. View Rates by Age

Your home state has a huge impact on Honda Civic insurance prices. A driver around age 40 might see rates as low as $990 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,040 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $600 every year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $358 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to compare rates and see which company has the best rate. Each insurance company utilizes a different rate formula, so rate quotes will be varied.

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 cheaper rates on car insurance requires being safe and accident-free, having a positive credit history, being claim-free, and avoiding coverage lapses. Comparison shop at every other renewal by getting rate quotes from direct insurance companies, and also from your local car insurance providers.

Below you'll find a brief review of the concepts that were touched on above.

• Higher risk drivers with DUI or reckless driving convictions could be charged and average of $1,800 more per year than a low-risk driver
• Youthful drivers pay the highest auto insurance rates, possibly costing $484 each month if full coverage is purchased
• It is possible to save around $190 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $600 each year
• It is possible to save around $190 per year simply by shopping 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.