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 auto insurance rates for a Honda Civic are $1,512 annually for full coverage. Comprehensive insurance costs around $256, collision costs $626, and liability insurance is $450. Buying just liability costs around $518 a year, with insurance for high-risk drivers costing $3,316 or more. 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 for type of insurance:

Estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all states and for all Civic models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on auto insurance rates. Areas with sparse population are shown to have fewer accident claims than congested cities.

The example below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above show why everyone should compare rates quotes for a specific zip code and their own personal driving habits, rather than relying on rate averages.

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

Rate Comparisons

The chart below shows estimated Honda Civic insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $857
• Raising to $1,000 deductibles will save about $198 a year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,512
• Buying pricier low deductibles costs an additional $396 a year
• Higher-risk drivers with multiple tickets or accidents could pay at least $3,316 or more
• Policy cost with full coverage for a teen driver for full coverage can be $5,808

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Insurance rates for a Honda Civic also range considerably based on the model year and trim level, your driver profile, and deductibles and policy limits.

A more mature driver with a clean driving record and high physical damage deductibles could pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay as much as $5,800 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at least $1,800 to $2,500 extra every year, depending on your age. Honda Civic insurance for high-risk drivers is expensive and can cost anywhere from 43% to 132% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce rates by up to $600 each year, whereas buying more liability protection will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $358 more per year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Honda Civic insurance rates. A middle-age driver might find rates as low as $1,000 a year in states like Idaho, Maine, and Iowa, or at least $2,160 on average in Michigan, Louisiana, and New York.

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Because rates have so much variability, the only way to know your exact price is to regularly compare rates from as many companies as possible. Every auto insurance company utilizes a different rate formula, so the rates will be varied between companies.

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 Buy Low Cost Honda Civic Insurance

Finding cheaper rates on Honda Civic insurance consists of being a safe and courteous driver, having a good credit history, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Set aside time to compare rates at least every other year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

Below is a review of the car insurance concepts covered above.

• High-risk drivers who have several accidents or serious violations pay an average of $1,800 more every year for auto insurance
• Drivers can save up to $190 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save up to $600 each year
• Drivers who may need higher levels of liability will pay around $500 each year to raise from a 30/60 limit to higher 250/500 limits

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.