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.

Estimated insurance rates for a Honda Civic are $1,512 a year with full coverage. Comprehensive insurance costs an estimated $256, collision costs $626, and liability coverage costs $450. A policy with only liability insurance costs as little as $518 a year, with a high-risk policy costing $3,316 or more. Teen drivers pay the most at $5,808 a year or more.

Average premium for full coverage: $1,512

Premium estimates broken down by type of coverage:

Full coverage includes $500 policy deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all U.S. states and for all Civic models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on car insurance rates. More rural locations are statistically proven to have a lower frequency of collision claims than larger metro areas.

The example below illustrates how location helps determine insurance prices.

These rate differences demonstrate why everyone should compare rates for a targeted area and risk profile, rather than using price averages.

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

Additional Rate Details

The chart below details estimated Honda Civic insurance rates for other coverage scenarios.

• The lowest rate with discounts is $857
• Drivers who choose higher $1,000 deductibles will pay approximately $198 annually
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,512
• Choosing pricier low deductibles for comprehensive and collision insurance will cost an extra $396 each year
• High-risk insureds with multiple violations and an at-fault accident could pay up to $3,316 or more
• An auto insurance policy for full coverage for a teenage driver for full coverage can cost as much as $5,808 a year

View Chart as Image

Car insurance prices for a Honda Civic also have a wide range based on your driving characteristics, the trim level and model year, and liability limits and deductibles.

A more mature driver with no driving violations and high deductibles may only pay around $1,400 per year on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged at least $5,800 a year. View Rates by Age

Where you choose to live makes a big difference in Honda Civic insurance rates. A 40-year-old driver could pay as low as $1,090 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,040 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles could save up to $600 a year, whereas buying more liability protection will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost up to $358 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out $1,800 to $2,500 extra annually, depending on your age. Honda Civic insurance for high-risk drivers can cost around 43% to 132% more than average. View High Risk Driver Rates

With such a large range in prices, the best way to find out which insurance company is cheapest is to regularly compare prices and see how they stack up. Every company uses a different rate calculation, so rate quotes will be substantially 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 More Affordable Honda Civic Insurance

Finding better rates on auto insurance not only requires being a good driver, but also having above-average credit, being claim-free, and not having any coverage lapses. Invest time comparing rates at every policy renewal by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following list is a summary of the data covered in the charts and tables above.

• Consumers who want an increased level of liability coverage will pay about $500 every year to go from 30/60 bodily injury limits to 250/500 limits
• You may be able to save approximately $190 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles can save around $600 each year
• Drivers age 16 to 20 have the highest car insurance prices, possibly costing $484 per month if full coverage is included

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.