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 for full coverage insurance. Comprehensive costs approximately $256, collision insurance costs $626, and liability costs around $450. A policy with only liability insurance costs as low as $518 a year, and a high-risk policy costs around $3,316. 16-year-old drivers pay the most at up to $5,808 a year.

Average premium for full coverage: $1,512

Premium estimates by type of coverage:

Full coverage includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and for different Civic trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on the price of auto insurance. Rural locations are statistically proven to have lower incidents of physical damage claims than congested cities. The price range example below illustrates how geographic area affects auto insurance prices.

These rate differences illustrate why anyone shopping for car insurance should compare prices using their specific location, instead of using rate averages.

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

More Rate Details

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

• The best full coverage rate is $857
• Using higher $1,000 deductibles will save $198 each year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,512
• Buying more expensive low deductibles for physical damage coverage bumps up the cost to $1,908
• Drivers with multiple tickets or accidents could pay around $3,316
• An auto insurance policy that insures a teen driver with full coverage can cost $5,808 or more

View Chart as Image

Car insurance prices for a Honda Civic also have a wide range based on the model year and trim level, your age and driving record, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you are probably paying anywhere from $1,800 to $2,500 extra annually, depending on your age. High-risk driver insurance can be as much as 43% to 132% more than the average rate. View High Risk Driver Rates

An older driver with no driving violations 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 will be charged in the ballpark 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 $990 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,040 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $600 every year, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost 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 More Affordable Honda Civic Insurance

Finding better rates on car insurance requires being a good driver, having a positive credit history, paying for small claims out-of-pocket, and attention to physical damage deductibles. Comparison shop at every other renewal by getting rate quotes from direct insurance companies, and also from your local car insurance providers.

The following list is a summary of the concepts that were presented in the illustrations above.

• Higher risk drivers who have multiple accidents or major violations could be charged and average of $1,800 more per year than a safer driver
• Drivers age 16 to 20 pay the highest auto insurance prices, with premiums being up to $484 per month if full coverage is purchased
• It is possible to save around $190 per year just by shopping early and online
• Increasing policy deductibles can save approximately $600 each year
• It is possible to save around $190 per year just 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.