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 prices for a Honda Civic are $1,508 every 12 months with full coverage. Comprehensive insurance costs an estimated $248, collision costs $610, and liability is estimated at $470. Liability-only insurance costs approximately $536 a year, with high-risk driver insurance costing $3,314 or more. Teens cost the most to insure at $5,826 a year or more.

Average premium for full coverage: $1,508

Policy rates broken down by type of insurance:

Price estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and for different Civic trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance rates. More rural locations are shown to have more infrequent collision claims than cities with more traffic congestion.

The price range example below illustrates the difference between rural and urban areas on insurance prices.

The examples above demonstrate why anyone shopping for car insurance should get quotes for a targeted area and their own driving history, instead of making a decision based on averaged prices.

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

Additional Rate Analysis

The chart below details estimated Honda Civic insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $855
• Choosing higher $1,000 deductibles can save approximately $194 annually
• The average price for a good driver age 40 who has $500 deductibles is $1,508
• Selecting more expensive low deductibles for comp and collision coverage costs an extra $386 annually
• Higher-risk drivers with serious driving violations could pay up to $3,314 or more
• Policy cost to insure a 16-year-old driver with full coverage can cost as much as $5,826 each year

View Chart as Image

Auto insurance rates for a Honda Civic also range considerably based on liability limits and deductibles, your driving record, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles can save as much as $580 annually, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $375 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may pay as low as $1,400 annually on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay at least $5,800 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out $1,800 to $2,500 in extra premium every year, depending on your age. High-risk driver insurance ranges from 43% to 132% more than the average policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Honda Civic insurance prices. A good driver about age 40 could pay as low as $1,090 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $2,030 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to compare rates from multiple companies. Each auto insurer calculates rates differently, and quoted rates will be varied.

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 Shop for Cheaper Honda Civic Insurance

Finding cheaper rates on insurance for a Honda Civic takes avoiding accidents and violations, having a good credit score, not filing small claims, and qualifying for all possible discounts. Set aside time to compare rates at every policy renewal by requesting quotes from direct companies, and also from your local independent and exclusive agents.

The list below is a condensed summary of the data covered above.

• Insureds who want higher liability limits will pay approximately $520 every year to raise limits from a 30/60 limit to a 250/500 level
• You may be able to save approximately $180 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save as much as $575 each year
• Teenagers are the costliest to insure, as much as $486 each month if comprehensive and collision insurance is included

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.