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 including full coverage. Comprehensive insurance costs an estimated $248 a year, collision insurance costs $610, and liability costs $470. A policy with just liability insurance costs as little 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 broken down by individual coverage type:

Price estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and Civic trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on the price of auto insurance. More rural locations tend to have more infrequent comprehensive and collision claims than densely populated cities. The diagram below illustrates how geographic area affects insurance prices.

These examples highlight why it is important to compare rates for a targeted area and their own driving history, instead of using average rates.

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

More Rate Details

The chart below breaks down average Honda Civic insurance rates for other coverage scenarios.

• The best discount rate is $855
• Drivers who choose higher $1,000 deductibles will pay approximately $1,314 every year
• The average price for a 40-year-old driver who has $500 deductibles is $1,508
• Using low $100 deductibles for comprehensive and collision insurance costs an extra $386 every year
• Higher-risk drivers who are prone to accidents and violations could pay up to $3,314
• The cost to insure a teen driver can cost as much as $5,826 a year

View Chart as Image

Insurance rates for a Honda Civic can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model year and trim level.

Using high physical damage deductibles could save up to $580 every year, while buying higher liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $375 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as little as $1,400 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay at least $5,800 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying $1,800 to $2,500 additional per year, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 132% more than a normal policy. 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 $1,160 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,150 on average in Louisiana, New York, and Michigan.

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 Shop for Cheaper Honda Civic Insurance

Saving money on car insurance not only requires being a good driver, but also having above-average credit, not filing small claims, and possibly raising deductibles. Invest the time to compare rates at every other renewal by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The following list is a condensed summary of the concepts that were presented in the illustrations above.

• Higher risk drivers with multiple at-fault accidents may have to pay on average $1,810 more annually than a safer driver
• Drivers age 16 to 20 are expensive to insure, as much as $486 per month if full coverage is included
• You may be able to save approximately $180 per year just by quoting early and online
• Increasing deductibles could save as much as $575 each year
• You may be able to save approximately $180 per year just 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.