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 costs approximately $256 each year, collision costs $626, and liability insurance costs around $450. A liability-only policy costs as low as $518 a year, with high-risk insurance costing around $3,316. Teen 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:

These estimates include $500 deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all states and Civic models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance rates. Rural locations are shown to have fewer accident claims than larger metro areas.

The graphic below illustrates the difference location can make on auto insurance prices.

The examples above show why all drivers should compare prices using their specific location and their own personal driving habits, rather than relying on price averages.

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

Additional Rate Information

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

• The lowest rate with discounts is $857
• Using higher $1,000 deductibles will save $198 a year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,512
• Choosing low deductibles for physical damage coverage will cost $1,908
• Drivers with multiple violations and an at-fault accident could pay around $3,316 or more
• Policy cost with full coverage for a teen driver 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 driver profile, and physical damage deductibles and liability limits.

More mature drivers with no driving violations and high physical damage deductibles could pay as little as $1,400 a year, or $117 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged in the ballpark of $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 anywhere from $1,800 to $2,500 extra every year, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $600 each year, whereas increasing liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $358 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Honda Civic insurance rates. A driver around age 40 might see rates as low as $1,000 a year in states like Iowa, Maine, and Idaho, or as much as $2,160 on average in New York, Louisiana, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to do a rate comparison from as many companies as possible. Each insurance company uses a different rate calculation, so rate quotes 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 Cheap Honda Civic Insurance

Finding cheaper rates on Honda Civic insurance requires not taking risks behind the wheel, having a good credit score, avoid buying unnecessary coverage, and avoiding coverage lapses. Make time to compare rates every couple of years by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following is a brief summary of the material that was touched on in this article.

• Drivers who purchase higher liability limits will pay about $500 each year to increase from a 30/60 limit to higher 250/500 limits
• Teens pay the highest auto insurance rates, costing up to $484 each month if comprehensive and collision insurance is included
• High-risk drivers that tend to have accidents or serious violations pay on average $1,800 more per year for Civic insurance
• Increasing comprehensive and collision deductibles could save up to $600 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.