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 insurance rates for a Honda Civic are $1,508 a year for full coverage. Comprehensive costs an estimated $248, collision costs $610, and liability is $470. Liability-only insurance costs around $536 a year, with high-risk driver insurance costing around $3,314. Teenage drivers cost the most to insure at $5,826 a year or more.

Average premium for full coverage: $1,508

Policy rates broken down by type of insurance:

Price estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all states and for different Civic trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on insurance rates. More rural locations are shown to have a lower frequency of accident claims than densely populated cities.

The price range example below illustrates how location impacts insurance prices.

The examples above show why anyone shopping for car insurance should compare rates quotes for a targeted area and risk profile, instead of using average rates.

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

Rate Comparisons

The chart below shows estimated Honda Civic insurance rates for other coverage scenarios.

• The best discount rate is $855
• Raising to $1,000 deductibles will save approximately $194 a year
• The average rate for a good driver age 40 who has $500 deductibles is $1,508
• Using more expensive low deductibles will increase the cost to $1,894
• At-risk drivers who are prone to accidents and violations could pay up to $3,314 or more
• Policy cost for full coverage for a teen driver with full coverage can cost as much as $5,826

View Chart as Image

Auto insurance rates for a Honda Civic also range considerably based on your risk profile, the trim level of your Civic, and liability limits and deductibles.

An older driver with a good driving record and high deductibles may pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay at least $5,800 a year. View Rates by Age

Your home state 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 Iowa, Maine, and Idaho, or be forced to pay as much as $2,150 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $580 every year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $375 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying $1,800 to $2,500 in extra premium every year, depending on your age. High-risk driver insurance is expensive and can cost as much as 43% to 132% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know which auto insurance is cheapest is to compare rates and see which company has the best rate. Every auto insurance company uses a different method to calculate rates, and quoted rates will be varied from one company to the next.

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 Cheaper Honda Civic Insurance

Finding cheaper rates on car insurance consists of being safe and accident-free, having good credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Spend time shopping around every other policy renewal by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

Below you'll find a condensed summary of the ideas that were touched on above.

• Youthful drivers are the costliest to insure, costing up to $486 each month if they have full coverage
• Higher risk drivers with multiple at-fault accidents pay an average of $1,810 more annually than a low-risk driver
• Increasing comprehensive and collision deductibles can save around $575 each year
• Drivers can save approximately $180 per year simply by shopping early and online

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.