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 auto insurance rates for a Honda Civic are $1,508 annually with full coverage. Comprehensive insurance costs approximately $248, collision insurance costs $610, and liability coverage costs around $470. A policy with just liability insurance costs as low as $536 a year, and coverage for high-risk drivers costs $3,314 or more. Teenage drivers receive the highest rates at up to $5,826 a year.

Average premium for full coverage: $1,508

Rate estimates by individual coverage type:

Rates are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and for all Civic models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on the price of insurance. Rural locations tend to have fewer collision claims than densely populated cities. The example below illustrates the difference between rural and urban areas on auto insurance prices.

These examples demonstrate why everyone should compare prices using their specific location and their own personal driving habits, rather than using average rates.

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

Detailed Rate Analysis

The chart below details average Honda Civic insurance rates for additional coverage and risk scenarios.

• The best discount rate is $855
• Using higher $1,000 deductibles will save $194 annually
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,508
• Using pricier low deductibles for physical damage coverage costs an additional $386 each year
• Higher-risk drivers who are prone to accidents and violations could pay around $3,314
• The cost with full coverage for a teenage driver for full coverage can cost $5,826 or more

View Chart as Image

Insurance rates for a Honda Civic can also vary considerably based on the trim level of your Civic, your driving record, and physical damage deductibles and liability limits.

A more mature driver with no violations or accidents and high physical damage deductibles may only pay around $1,400 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,800 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out anywhere from $1,800 to $2,500 additional per year, depending on your age. Honda Civic insurance for high-risk drivers can be around 43% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $580 a year, whereas buying more liability protection will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $375 more each year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Honda Civic insurance rates. A driver around age 40 might see rates as low as $1,090 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,030 on average in New York, Michigan, and Florida.

View Chart as Image

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

Saving money on auto insurance requires having a decent driving record, having good credit, eliminating unnecessary coverage, and consideration of higher deductibles. Set aside time to compare rates at every policy renewal by getting rate quotes from direct companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The following items are a quick review of the data covered above.

• Consumers who purchase additional liability coverage will pay an extra $520 every year to increase from a minimum limit to higher 250/500 limits
• You may be able to save around $180 per year just by quoting online well ahead of the renewal date
• Increasing deductibles could save up to $575 each year
• 16 to 18-year-old drivers are the costliest to insure, with premiums as much as $486 per month if they have full coverage

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.