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 $1,508 a year with full coverage. Comprehensive insurance costs around $248, collision costs $610, and liability is estimated at $470. A liability-only policy costs approximately $536 a year, with high-risk insurance costing $3,314 or more. Teens pay the most at $5,826 a year or more.

Average premium for full coverage: $1,508

Premium estimates for type of coverage:

Estimates include $500 policy deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and for different Civic trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on insurance rates. Areas with sparse population are statistically proven to have lower incidents of collision claims than cities with more traffic congestion.

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

These rate differences demonstrate why anyone shopping for car insurance should get quotes for a specific zip code, instead of using averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $855
• Choosing higher $1,000 deductibles can save about $194 annually
• The estimated price for a 40-year-old good driver using $500 deductibles is $1,508
• Selecting more expensive low deductibles for comp and collision coverage will cost an additional $386 every year
• Unlucky drivers with serious driving violations could pay at least $3,314 or more
• An auto insurance policy that insures a teen driver with full coverage can be $5,826 each year

View Chart as Image

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

If you have a few violations or you caused an accident, you may be forking out at least $1,800 to $2,500 in extra premium annually, depending on your age. High-risk driver insurance ranges as much as 43% to 132% more than the average policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,400 annually 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 will have to pay as much as $5,800 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Honda Civic insurance prices. A good driver about age 40 could pay as low as $1,090 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $2,030 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $580 every year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $375 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out your exact price is to compare prices and see which company has the best price. Each auto insurer calculates prices differently, and quoted prices will be substantially different.

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 Low Cost Honda Civic Insurance

Finding better rates on car insurance takes being a good driver, maintaining a good credit score, being claim-free, and maximizing policy discounts. Compare rates every couple of years by obtaining price quotes from direct companies, and also from your local independent and exclusive agents.

The following list is a review of the material that was covered above.

• Policyholders who may need an increased level of liability coverage will pay approximately $520 every year to raise limits from 30/60 bodily injury limits to the 250/500 level
• Drivers age 16 to 20 are expensive to insure, possibly costing $486 per month if the policy includes full coverage
• Higher risk drivers who have several accidents or serious violations may pay on average $1,810 more every year than a safer driver
• Increasing policy deductibles can save approximately $575 each year

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.