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.

U.S. average insurance rates for a Honda Civic are $1,508 a year for full coverage. Comprehensive insurance costs on average $248 a year, collision insurance costs $610, and liability coverage costs around $470. Liability-only coverage costs as low as $536 a year, and high-risk coverage costs $3,314 or more. Teens pay the highest rates at up to $5,826 a year.

Average premium for full coverage: $1,508

Price estimates by individual coverage:

Price estimates include $500 policy deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and Civic trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on car insurance rates. Rural areas have lower incidents of accident claims than cities with more traffic congestion. The diagram below illustrates how where you live affects car insurance rates.

The ranges above show why it is important to compare prices based on a specific location, rather than using averaged prices.

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

Additional Rate Analysis

The chart below shows average Honda Civic insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $855
• Using higher $1,000 deductibles will save around $1,314 a year
• The estimated price for the average middle-age driver with $500 deductibles is $1,508
• Selecting low $100 deductibles for physical damage coverage will cost an additional $386 each year
• Higher-risk drivers with serious driving violations could pay upwards of $3,314
• The price that insures a teenage driver may cost $5,826 or more

View Chart as Image

Auto insurance prices for a Honda Civic are also quite variable based on the trim level of your Civic, how you drive, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you could be paying at a minimum $1,800 to $2,500 in extra premium each year, depending on your age. A high-risk auto insurance policy can be around 43% to 132% more than the average policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,400 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay upwards of $5,800 a year. View Rates by Age

The state you live in has a huge impact on Honda Civic insurance rates. A driver around age 40 might see prices as low as $990 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,150 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $580 a year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $375 extra every year. View Rates by Deductible or Liability Limit

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

Getting lower rates on auto insurance requires avoiding accidents and claims, maintaining a good credit score, eliminating unnecessary coverage, and deciding if full coverage is necessary. Compare rates every year by quoting rates from direct carriers, and also from local exclusive and independent agents.

The points below are a condensed summary of the coverage data touched on in the above illustrations.

• Drivers can save as much as $180 per year just by quoting early and online
• Increasing physical damage deductibles can save approximately $575 each year
• Drivers under the age of 20 are charged the highest prices, with premiums as much as $486 a month if the policy includes full coverage
• Drivers with multiple at-fault accidents may pay on average $1,810 more each year to insure a Honda Civic

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.