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 auto insurance rates for a Honda Civic are $1,508 annually including full coverage. Comprehensive insurance costs around $248 a year, collision costs $610, and liability is $470. A liability-only policy costs around $536 a year, with high-risk insurance costing $3,314 or more. Teen drivers cost the most to insure at $5,826 a year or more.

Average premium for full coverage: $1,508

Policy rates for type of insurance:

Rates are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and Civic trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than larger metro areas.

The diagram below illustrates how rural and urban location affects auto insurance rates.

The examples above highlight why it is important to compare rates quotes for a specific zip code and their own personal driving habits, instead of using price averages.

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

More Rate Information

The chart below breaks down estimated Honda Civic insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $855
• Raising to $1,000 deductibles will save about $1,314 every year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,508
• Choosing low $100 deductibles costs an additional $386 every year
• At-risk drivers with multiple violations and an at-fault accident could pay at least $3,314 or more
• Policy cost with full coverage for a teen driver can be $5,826

View Chart as Image

Car insurance rates for a Honda Civic also range considerably based on the model year and trim level, your driving characteristics, and deductibles and policy limits.

Older drivers with no driving violations and high physical damage deductibles may pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged as much as $5,800 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying at least $1,800 to $2,500 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 43% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $580 every year, while buying higher liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $375 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Honda Civic insurance prices. A middle-age driver might find rates as low as $1,160 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,150 on average in Michigan, New York, and Louisiana.

View Chart as Image

Because rates have so much variability, the best way to figure out your exact price is to get quotes and see which company has the best rate. Every auto insurance company uses a different rate calculation, so rate quotes will be varied 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 Best Cheap Honda Civic Insurance

Finding cheaper rates on car insurance consists of being a good driver, having a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Set aside time to shop around at every other renewal by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following list is a quick review of the concepts that were raised in the charts and tables above.

• Higher risk drivers with a DUI or reckless driving violation may pay on average $1,810 more every year than a safer driver
• Drivers age 16 to 20 are the costliest to insure, with premiums being up to $486 each month if comprehensive and collision insurance is included
• You may be able to save up to $180 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $575 each year
• You may be able to save up to $180 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.