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.

U.S. average auto insurance rates for a Honda Civic are $1,512 annually for full coverage. Comprehensive insurance costs on average $256 a year, collision costs $626, and liability is estimated at $450. Liability-only coverage costs approximately $518 a year, with high-risk coverage costing $3,316 or more. Teens pay the highest rates at $5,808 a year or more.

Average premium for full coverage: $1,512

Price estimates by individual coverage:

Includes $500 deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all states and Civic trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on car insurance rates. Rural areas have fewer accident claims than cities with more traffic congestion.

The diagram below illustrates how location helps determine car insurance rates.

The ranges above show why it is important to get quotes based on a specific location and their own personal driving habits, instead of making a decision based on averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $857
• Choosing higher $1,000 deductibles can save around $1,314 a year
• The estimated rate for the average middle-age driver with $500 deductibles is $1,512
• Selecting low $100 deductibles for comp and collision coverage costs an additional $396 annually
• Higher-risk drivers with serious driving violations could pay upwards of $3,316 or more
• The price with full coverage for a 16-year-old driver may cost $5,808 each year

View Chart as Image

Auto insurance prices for a Honda Civic are also quite variable based on the trim level and model year, your driver profile, and policy deductibles and limits.

Older drivers with a good driving record and high physical damage deductibles may pay as low as $1,400 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay upwards of $5,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying at a minimum $1,800 to $2,500 in extra premium each year, depending on your age. A high-risk auto insurance policy ranges from 43% to 132% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $600 annually, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $358 extra every year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Honda Civic insurance prices. A good driver about age 40 could pay as low as $1,000 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,160 on average in Michigan, Louisiana, and New York.

View Chart as Image

Since prices can be so different, the only way to know exactly what you will pay is to get quotes from multiple companies. Each auto insurer calculates prices differently, and quoted prices may be quite different between companies.

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 Buy the Cheapest Honda Civic Insurance

Getting lower rates on insurance for a Honda Civic takes not taking risks behind the wheel, having above-average credit, eliminating unnecessary coverage, and taking advantage of discounts. Invest time comparing rates every other policy renewal by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The following is a recap of the ideas that were covered in the charts and tables above.

• Teens are charged the highest prices, with premiums as much as $484 a month if full coverage is included
• Drivers considered higher risk that have major violations or accidents may be required to pay an average of $1,800 more each year for Civic insurance
• Increasing physical damage deductibles could save up to $600 each year
• Drivers can save as much as $190 per year simply by quoting 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.