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.

Average insurance prices for a Honda Civic are $1,508 every 12 months for full coverage. Comprehensive insurance costs approximately $248, collision costs $610, and liability costs $470. Buying just liability costs as little as $536 a year, with insurance for high-risk drivers costing $3,314 or more. 16-year-old drivers receive the highest rates at $5,826 a year or more.

Average premium for full coverage: $1,508

Rate estimates by individual coverage type:

Rates are based on $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and for all Civic models.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on car insurance rates. Rural locations tend to have more infrequent accident claims than congested cities.

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

These examples show why everyone should compare rates using their specific location and their own driving history, instead of using rate averages.

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

Additional Rate Details

The chart below shows estimated Honda Civic insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $855
• Drivers who choose higher $1,000 deductibles will pay $194 a year
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,508
• Buying pricier low deductibles for comprehensive and collision insurance costs an extra $386 every year
• Higher-risk drivers with multiple tickets or accidents could pay around $3,314 or more
• The cost to insure a teen driver for full coverage can cost $5,826 a year

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Auto insurance rates for a Honda Civic can also vary considerably based on policy deductibles and limits, your driver profile, and the model of your Civic.

Opting for high physical damage deductibles could save up to $580 every year, whereas buying more liability protection will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $375 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may pay as little as $1,400 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay in the ballpark of $5,800 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying anywhere from $1,800 to $2,500 in extra premium per year, depending on your age. Honda Civic insurance for high-risk drivers can cost as much as 43% to 132% more than the average rate. View High Risk Driver Rates

Where you live makes a big difference in Honda Civic insurance prices. A 40-year-old driver could pay as low as $990 a year in states like Iowa, Maine, and Idaho, or at least $2,150 on average in New York, Louisiana, and Michigan.

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With so much variability in rates, the only way to know who has the cheapest car insurance rates is to regularly compare rates and see which company has the best rate. Every company utilizes a different rate formula, and quoted rates can be significantly different.

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 the Best Cheap Honda Civic Insurance

Saving money on car insurance not only requires being a low-risk driver, but also having a good credit score, eliminating unneeded coverage, and not having any coverage lapses. Set aside time to compare rates at every other renewal by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The items below are a quick review of the concepts that were covered above.

• Higher risk drivers with a DUI or reckless driving violation may pay on average $1,810 more per year to insure their Civic
• Teen drivers have the highest car insurance rates, costing as high as $486 per month if comprehensive and collision insurance is included
• Drivers can save around $180 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles could save as much as $575 each year
• Drivers can save around $180 per year simply by quoting online well ahead of the renewal date

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.