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

Average premium for full coverage: $1,508

Policy rates for type of insurance:

Price estimates include $500 policy deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and Civic models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than densely populated cities. The graphic below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above highlight why all drivers should compare rates quotes for a specific zip code and risk profile, rather than using average rates.

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

More Rate Information

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

• The best discount rate is $855
• Raising to $1,000 deductibles will save about $194 every year
• The average rate for a good driver age 40 using $500 deductibles is $1,508
• Using low deductibles will increase the cost to $1,894
• Unlucky drivers who are prone to accidents and violations could pay at least $3,314
• Policy cost for full coverage for a teenage driver can be $5,826

View Chart as Image

Car insurance rates for a Honda Civic also range considerably based on your risk profile, the model of your Civic, and deductibles and policy limits.

More mature drivers with no driving violations and high deductibles may only pay around $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged as much as $5,800 a year. View Rates by Age

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

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $580 a year, whereas increasing liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $375 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at least $1,800 to $2,500 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 132% more than a normal policy. View High Risk Driver Rates

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 Cheaper Honda Civic Insurance

Finding cheaper rates on auto insurance consists of being safe and accident-free, having above-average credit, paying for small claims out-of-pocket, and consideration of higher deductibles. Set aside time to compare rates once a year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below you'll find a condensed summary of the data that was covered above.

• You may be able to save up to $180 per year just by quoting online in advance
• Consumers who may need more liability protection will pay an extra $520 per year to raise from a 30/60 limit to 250/500 limits
• Youthful drivers are the costliest to insure, with premiums being up to $486 each month if full coverage is included
• Drivers with multiple at-fault accidents pay on average $1,810 more every year than a low-risk driver

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.