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 with full coverage. Comprehensive costs around $256, collision insurance costs $626, and liability costs $450. Liability-only coverage costs as little as $518 a year, and high-risk coverage costs around $3,316. 16-year-old drivers receive the highest rates at up to $5,808 a year.

Average premium for full coverage: $1,512

Rate estimates for individual coverage type:

Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and for different Civic trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on insurance rates. Areas with sparse population tend to have lower incidents of collision claims than congested cities. The price range example below illustrates the difference between rural and urban areas on auto insurance rates.

These examples demonstrate why anyone shopping for car insurance should compare rates for a specific zip code, instead of making a decision based on rate averages.

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

Rates by State, City, and Model

The chart below details average Honda Civic insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $857
• Drivers who choose higher $1,000 deductibles will pay about $198 annually
• The estimated price for a 40-year-old driver using $500 deductibles is $1,512
• Buying more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,908
• Drivers with multiple tickets or accidents could pay at least $3,316
• The cost that insures a 16-year-old driver with full coverage can be $5,808 a year

View Chart as Image

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

If you like to drive fast or you caused an accident, you may be forking out at least $1,800 to $2,500 extra per year, depending on your age. High-risk driver insurance can cost from 43% to 132% more than the average rate. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,400 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will be charged as much as $5,800 a year. View Rates by Age

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

View Chart as Image

Opting for high physical damage deductibles could save up to $600 annually, while increasing your policy's liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $358 extra every 12 months. 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 More Affordable Honda Civic Insurance

Saving money on insurance for a Honda Civic not only requires being a good driver, but also having a positive credit history, eliminating unnecessary coverage, and consideration of higher deductibles. Comparison shop once a year by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following list is a summary of the data that was covered above.

• You may be able to save up to $190 per year just by shopping early and online
• Insureds who may need an increased level of liability coverage will pay around $500 every year to go from a minimum limit to the 250/500 level
• Drivers age 16 to 20 are the costliest to insure, with premiums as much as $484 per month if full coverage is purchased
• Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,800 more every year than a safer driver

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.