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 rates for a Honda Civic are $1,512 a year for full coverage. Comprehensive insurance costs on average $256, collision costs $626, and liability coverage is $450. A policy with just liability insurance costs around $518 a year, with coverage for high-risk drivers costing $3,316 or more. 16-year-old drivers receive the highest rates at $5,808 a year or more.

Average premium for full coverage: $1,512

Rate estimates by individual coverage type:

Rate estimates include $500 policy deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all states and for different Civic trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. Rural areas tend to have a lower frequency of accident claims than congested cities.

The price range example below illustrates how rural and urban location affects car insurance rates.

These examples show why anyone shopping for car insurance should compare rates quotes based on a specific location and risk profile, rather than using rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $857
• Raising to $1,000 deductibles will save around $198 a year
• The average rate for a 40-year-old driver with $500 deductibles is $1,512
• Buying more expensive low deductibles will cost an extra $396 each year
• Unlucky drivers with multiple tickets or accidents could pay upwards of $3,316 or more
• The cost for full coverage for a teenage driver with full coverage may cost $5,808

View Chart as Image

Insurance rates for a Honda Civic can also vary considerably based on your driver profile, the trim level of your Civic, and policy deductibles and limits.

An older driver with no violations or accidents and high deductibles may only pay around $1,400 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay upwards of $5,800 a year. View Rates by Age

Where you live also has a big influence on Honda Civic insurance rates. A middle-age driver might find rates as low as $1,000 a year in states like Idaho, Maine, and Iowa, or at least $2,160 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $600 a year, while increasing your policy's liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $358 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,800 to $2,500 additional per year, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 132% more than the average rate. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to compare rates and see how they stack up. Every auto insurance company utilizes a different rate formula, and rates can be significantly different from one company to the next.

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 the Best Honda Civic Insurance

Saving money on auto insurance consists of being a good driver, having a good credit history, eliminating unneeded coverage, and insuring your home and auto with the same company. Set aside time to shop around every time your policy renews by requesting rates from direct carriers like GEICO and Progressive, and also from your local insurance agents.

The following list is a brief recap of the information raised in the charts and tables above.

• Drivers can save as much as $190 per year simply by shopping early and online
• Drivers age 16 to 20 pay higher rates, costing as high as $484 per month including comprehensive and collision insurance
• Increasing deductibles can save around $600 each year
• Drivers who tend to receive serious violations will pay on average $1,800 more each year than a safer driver
• Consumers who require an increased level of liability coverage will pay around $500 each year to raise from a minimum limit to 250/500 limits

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.