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 insurance rates for a Honda Civic are $1,512 a year with full coverage. Comprehensive insurance costs on average $256 each year, collision costs $626, and liability costs around $450. Liability-only insurance costs as low as $518 a year, with high-risk driver insurance costing $3,316 or more. 16-year-old drivers pay the most at $5,808 a year or more.

Average premium for full coverage: $1,512

Premium estimates by type of coverage:

Full coverage includes $500 deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and Civic models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on auto insurance rates. Rural areas are statistically proven to have lower incidents of 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 prices based on a specific location, instead of using rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $857
• Using higher $1,000 deductibles will save around $198 annually
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,512
• Buying low deductibles for physical damage coverage will cost an additional $396 every year
• Drivers with multiple tickets or accidents could pay upwards of $3,316 or more
• An auto insurance policy that insures a teen driver may cost $5,808 or more

View Chart as Image

Insurance prices for a Honda Civic also have a wide range based on the trim level and model year, your age and driving habits, and policy deductibles and limits.

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

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,400 a year, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay upwards of $5,800 a year. View Rates by Age

Where you choose to live has a huge impact on Honda Civic insurance prices. A driver around age 40 might see prices as low as $1,090 a year in states like New Hampshire, Ohio, and Utah, or at least $2,040 on average in Florida, Michigan, and New York.

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $600 every year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $358 more each year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out exactly what you will pay is to do a rate comparison and see which company has the best price. Each insurance company utilizes a different rate formula, and prices will be substantially different.

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 More Affordable Honda Civic Insurance

Finding better rates on car insurance requires not taking risks behind the wheel, having a good credit score, being claim-free, and insuring your home and auto with the same company. Comparison shop every couple of years by quoting rates from direct companies, and also from several local insurance agents.

The following is a summary of the material that was presented in the illustrations above.

• Policyholders who require higher liability limits will pay around $500 every year to increase from 30/60 bodily injury limits to the 250/500 level
• Teens pay higher prices, possibly costing $484 per month if comprehensive and collision insurance is included
• Higher risk drivers who have multiple accidents or major violations pay on average $1,800 more each year for Civic insurance
• Increasing policy deductibles can save approximately $600 each year

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.