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 auto insurance rates for a Honda Civic are $1,508 annually with full coverage. Comprehensive costs on average $248 each year, collision insurance costs $610, and liability insurance costs $470. Liability-only coverage costs as little as $536 a year, and high-risk coverage costs around $3,314. 16-year-old drivers pay the most at up to $5,826 a year.

Average premium for full coverage: $1,508

Premium estimates by type of coverage:

Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all U.S. states and Civic models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a significant impact on auto insurance rates. Rural areas are statistically proven to have fewer collision claims than congested cities. The graphic below illustrates how geographic area affects car insurance rates.

These rate differences demonstrate why all drivers should compare rates based on a specific location and their own personal driving habits, rather than relying on rate averages.

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

Additional Rate Details

The chart below details average Honda Civic insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $855
• Drivers who choose higher $1,000 deductibles will pay around $194 annually
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,508
• Buying low deductibles for comprehensive and collision insurance will cost $1,894
• High risk drivers with multiple tickets or accidents could pay upwards of $3,314
• An auto insurance policy with full coverage for a teen driver may cost $5,826 a year

View Chart as Image

Insurance prices for a Honda Civic also have a wide range based on the model of your Civic, your driving record, and policy deductibles and limits.

More mature drivers with a clean driving record and high physical damage deductibles could pay as little as $1,400 per year on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay upwards of $5,800 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out at a minimum $1,800 to $2,500 extra annually, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 132% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $580 each year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $375 more per year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Honda Civic insurance rates. A 40-year-old driver could pay as low as $1,090 a year in states like New Hampshire, Ohio, and Utah, or at least $2,030 on average in Florida, Michigan, and New York.

View Chart as Image

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 better rates on Honda Civic insurance not only requires being a good driver, but also having a good credit history, being claim-free, and determing if full coverage is necessary. Invest the time to compare rates every other policy renewal by getting rate quotes from direct companies, and also from local independent and exclusive agents.

The following list is a review of the ideas that were presented in the illustrations above.

• Drivers age 16 to 20 pay the highest prices, possibly costing $486 per month including comprehensive and collision insurance
• High-risk drivers who have several accidents or serious violations pay an average of $1,810 more each year than a safer driver
• Increasing policy deductibles could save up to $575 each year
• You may be able to save as much as $180 per year just by quoting online in advance

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.