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 insurance costs approximately $248 a year, collision insurance costs $610, and liability costs around $470. Liability-only coverage costs as low as $536 a year, and high-risk coverage costs $3,314 or more. Teens cost the most to insure at up to $5,826 a year.

Average premium for full coverage: $1,508

Policy rates by type of insurance:

Includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and Civic trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance rates. Rural locations are shown to have a lower frequency of accident claims than cities with more traffic congestion. The diagram below illustrates how location impacts auto insurance prices.

The examples above show why it is important to compare prices using their specific location and risk profile, instead of using averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $855
• Using higher $1,000 deductibles will save $1,314 a year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,508
• Selecting low $100 deductibles for physical damage coverage will cost an extra $386 every year
• Drivers with serious driving violations could pay around $3,314
• Policy cost for full coverage for a teen driver can cost $5,826 or more

View Chart as Image

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

Older drivers with no violations or accidents and high deductibles may pay as little as $1,400 a year, or $117 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay in the ballpark of $5,800 a year. View Rates by Age

Your home state has a huge impact on Honda Civic insurance prices. A driver around age 40 might see rates as low as $990 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,150 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $580 every year, while buying higher liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $375 more each 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 anywhere from $1,800 to $2,500 additional every year, depending on your age. A high-risk auto insurance policy can be 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 the Cheapest Honda Civic Insurance

Finding cheaper rates on car insurance requires avoiding accidents and violations, having a good credit history, avoid buying unnecessary coverage, and consideration of higher deductibles. Spend time shopping around once a year by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The list below is a recap of the data that was touched on above.

• Drivers can save around $180 per year just by quoting early and online
• Policyholders who purchase higher liability limits will pay approximately $520 each year to increase from a 30/60 limit to 250/500 limits
• Teenagers are the costliest to insure, costing up to $486 each month including comprehensive and collision insurance
• Higher risk drivers that have major violations or accidents may pay on average $1,810 more per year for car insurance

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.