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 $1,512 a year for full coverage insurance. Comprehensive insurance costs an estimated $256 a year, collision insurance costs $626, and liability costs $450. A liability-only policy costs as little as $518 a year, and high-risk insurance costs $3,316 or more. Teen drivers cost the most to insure at up to $5,808 a year.

Average premium for full coverage: $1,512

Policy rates broken down by type of insurance:

Rate estimates include $500 deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and Civic trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than larger metro areas. The diagram below illustrates how your location can change insurance prices.

The examples above illustrate why it is important to compare rates for a targeted area, instead of making a decision based on price averages.

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

Detailed Rate Analysis

The chart below illustrates average Honda Civic insurance rates for other coverage scenarios.

• The lowest rate with discounts is $857
• Drivers who choose higher $1,000 deductibles will pay approximately $1,314 each year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,512
• Choosing low $100 deductibles for comprehensive and collision insurance will cost an additional $396 annually
• Drivers with multiple violations and an at-fault accident could pay up to $3,316
• Policy cost that insures a 16-year-old driver can cost as much as $5,808 a year

View Chart as Image

Car insurance rates for a Honda Civic also range considerably based on the trim level of your Civic, your age and driving record, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are probably paying $1,800 to $2,500 extra every year, depending on your age. A high-risk auto insurance policy can cost from 43% to 132% more than average. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,400 per year on average, or $117 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged at least $5,800 a year. View Rates by Age

Your home state makes a big difference in Honda Civic insurance prices. A 40-year-old driver could pay as low as $990 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $2,040 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $600 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $358 extra every 12 months. View Rates by Deductible or Liability Limit

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 Best Honda Civic Insurance

Finding cheaper rates on insurance for a Honda Civic not only requires not taking risks behind the wheel, but also having a positive credit history, being claim-free, and possibly higher deductibles. Shop around at least once a year by obtaining price quotes from direct insurance companies, and also from local insurance agencies.

The following is a brief recap of the primary concepts that were illustrated above.

• It is possible to save approximately $190 per year just by quoting early and online
• Drivers considered higher risk who tend to receive serious violations may have to pay on average $1,800 more annually for Civic insurance
• Increasing comprehensive and collision deductibles can save approximately $600 each year
• Teens have the highest car insurance rates, possibly costing $484 each month if full coverage is purchased

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.