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.

Average insurance rates for a Honda Civic are $1,512 a year for full coverage insurance. Comprehensive costs on average $256 each year, collision insurance costs $626, and liability is $450. Buying just liability costs around $518 a year, and insurance for high-risk drivers costs around $3,316. Teens receive the highest rates at up to $5,808 a year.

Average premium for full coverage: $1,512

Rate estimates by individual coverage type:

Estimates include $500 deductible amounts, 30/60 liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and Civic models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can have significant affects on insurance rates. Rural areas tend to have a lower frequency of physical damage claims than cities with more traffic congestion. The graphic below illustrates how geographic area affects car insurance rates.

These examples illustrate why all drivers should compare rates quotes based on a specific location and risk profile, instead of using averaged prices.

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

More Rate Details

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

• The cheapest rate after discounts is $857
• Raising to $1,000 deductibles will save around $198 each year
• The average rate for a 40-year-old driver with $500 deductibles is $1,512
• Selecting low deductibles will increase the cost to $1,908
• At-risk drivers with serious driving violations could pay upwards of $3,316
• The cost for full coverage for a teen driver may cost $5,808

View Chart as Image

Auto insurance rates for a Honda Civic can also vary considerably based on your driver profile, the model year and trim level, and policy deductibles and limits.

More mature drivers with a good driving record and high deductibles may pay as little as $1,400 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay upwards of $5,800 a year. View Rates by Age

Where you live also has a big influence on Honda Civic insurance prices. A middle-age driver might find rates as low as $990 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $2,040 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $600 every year, whereas increasing liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost as much as $358 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying at a minimum $1,800 to $2,500 in extra premium per year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 43% to 132% more than the average policy. View High Risk Driver Rates

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

Saving money on car insurance consists of having a good driving record, having good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Invest the time to compare rates at every policy renewal by requesting rates from direct insurance companies like GEICO and Progressive, and also from local independent and exclusive agents.

The next list is a review of the data presented in the illustrations above.

• Policyholders who require increased levels of liability coverage will pay approximately $500 annually to raise from a minimum limit to 250/500 limits
• It is possible to save as much as $190 per year just by quoting online in advance
• Increasing deductibles can save around $600 each year
• Drivers age 20 and younger are charged the highest rates, costing up to $484 per month if they have full coverage

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.