Honda Civic Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 27, 2023

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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 prices for a Honda Civic are $1,296 every 12 months for full coverage. Comprehensive insurance costs an estimated $188, collision costs $408, and liability is estimated at $520. Liability-only insurance costs approximately $576 a year, with high-risk driver insurance costing $2,828 or more. Teens pay the highest rates at $5,174 a year or more.

Average premium for full coverage: $1,296

Price estimates broken down by individual coverage:

Comprehensive $188
Collision $408
Liability $520

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

Price Range from Low to High

For a driver around age 40, Honda Civic insurance prices go from the cheapest price of $576 for just the minimum liability insurance to the much higher price of $2,828 for a high-risk driver policy.

Liability Only $576
Full Coverage $1,296
High Risk $2,828

Geographic Price Range

Living in a larger city can make a big difference on insurance rates. More rural locations have more infrequent accident claims than cities with more traffic congestion.

The example below illustrates the difference between rural and urban areas on insurance prices.

Rural Areas $972
Small Cities $1,361
Large Cities $1,750

The ranges above show why everyone should get quotes for a targeted area and their own driving history, instead of making a decision based on averaged prices.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Rate Analysis

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

  • The cheapest rate after discounts is $756
  • Choosing higher $1,000 deductibles can save approximately $136 a year
  • The average price for the average middle-age driver who has $500 deductibles is $1,296
  • Selecting pricier low deductibles for comp and collision coverage costs an extra $262 annually
  • Higher-risk drivers with serious driving violations could pay up to $2,828 or more
  • The price to insure a 16-year-old driver for full coverage can cost as much as $5,174 each year

View Chart as Image

Honda Civic insurance cost comparison chart
Column chart showing full coverage Honda Civic insurance prices range from $756 to $5,174

Car insurance prices for a Honda Civic are also quite variable based on deductibles and policy limits, your driver profile, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles can save as much as $400 annually, whereas buying more liability protection will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may pay as low as $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged at least $5,100 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying $1,600 to $2,200 extra each year, depending on your age. Honda Civic insurance for high-risk drivers ranges from 43% to 137% more than the average policy. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Honda Civic insurance prices. A good driver about age 40 could pay as low as $850 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,840 on average in New York, Louisiana, and Michigan.

Honda Civic Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,168 -$128 -9.9%
Alaska $992 -$304 -23.5%
Arizona $1,076 -$220 -17.0%
Arkansas $1,296 -$0 0.0%
California $1,474 $178 13.7%
Colorado $1,232 -$64 -4.9%
Connecticut $1,328 $32 2.5%
Delaware $1,464 $168 13.0%
Florida $1,618 $322 24.8%
Georgia $1,194 -$102 -7.9%
Hawaii $928 -$368 -28.4%
Idaho $876 -$420 -32.4%
Illinois $964 -$332 -25.6%
Indiana $974 -$322 -24.8%
Iowa $872 -$424 -32.7%
Kansas $1,228 -$68 -5.2%
Kentucky $1,764 $468 36.1%
Louisiana $1,914 $618 47.7%
Maine $800 -$496 -38.3%
Maryland $1,066 -$230 -17.7%
Massachusetts $1,034 -$262 -20.2%
Michigan $2,242 $946 73.0%
Minnesota $1,082 -$214 -16.5%
Mississippi $1,550 $254 19.6%
Missouri $1,148 -$148 -11.4%
Montana $1,388 $92 7.1%
Nebraska $1,020 -$276 -21.3%
Nevada $1,552 $256 19.8%
New Hampshire $932 -$364 -28.1%
New Jersey $1,444 $148 11.4%
New Mexico $1,144 -$152 -11.7%
New York $1,362 $66 5.1%
North Carolina $746 -$550 -42.4%
North Dakota $1,062 -$234 -18.1%
Ohio $892 -$404 -31.2%
Oklahoma $1,328 $32 2.5%
Oregon $1,184 -$112 -8.6%
Pennsylvania $1,232 -$64 -4.9%
Rhode Island $1,726 $430 33.2%
South Carolina $1,172 -$124 -9.6%
South Dakota $1,092 -$204 -15.7%
Tennessee $1,130 -$166 -12.8%
Texas $1,558 $262 20.2%
Utah $956 -$340 -26.2%
Vermont $886 -$410 -31.6%
Virginia $774 -$522 -40.3%
Washington $998 -$298 -23.0%
West Virginia $1,186 -$110 -8.5%
Wisconsin $896 -$400 -30.9%
Wyoming $1,150 -$146 -11.3%

View Chart as Image

Honda Civic insurance rates by U.S. city

Since prices can be so different, the only way to know which car insurance is cheapest is to regularly compare prices from multiple companies. Each auto insurer calculates prices differently, so rate quotes may be quite different.

Insurance Rates by Trim Level and Model Year

Honda Civic Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Honda Civic DX 4-Dr Sedan $1,108 $92
Honda Civic DX 2-Dr Coupe $1,330 $111
Honda Civic LX 4-Dr Sedan $1,154 $96
Honda Civic VP 4-Dr Sedan $1,154 $96
Honda Civic EX 4-Dr Sedan $1,184 $99
Honda Civic LX 2-Dr Coupe $1,360 $113
Honda Civic LX-S 4-Dr Sedan $1,184 $99
Honda Civic EX-L 4-Dr Sedan $1,214 $101
Honda Civic EX 2-Dr Coupe $1,396 $116
Honda Civic SI 4-Dr Sedan $1,240 $103
Honda Civic EX-L 2-Dr Coupe $1,426 $119
Honda Civic GX 4-Dr Sedan $1,250 $104
Honda Civic SI 2-Dr Coupe $1,454 $121
Honda Civic Hybrid 4-Dr Sedan $1,200 $100

Rates assume 2015 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.

Honda Civic Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Honda Civic $240 $586 $486 $1,492
2019 Honda Civic $226 $564 $500 $1,470
2018 Honda Civic $218 $524 $510 $1,432
2017 Honda Civic $208 $494 $514 $1,396
2016 Honda Civic $200 $442 $520 $1,342
2015 Honda Civic $188 $408 $520 $1,296
2014 Honda Civic $180 $382 $524 $1,266
2013 Honda Civic $176 $356 $534 $1,246
2012 Honda Civic $164 $330 $534 $1,208
2011 Honda Civic $158 $300 $540 $1,178
2010 Honda Civic $148 $274 $534 $1,136
2009 Honda Civic $140 $250 $534 $1,104
2008 Honda Civic $134 $224 $530 $1,068
2007 Honda Civic $132 $218 $520 $1,050
2006 Honda Civic $130 $208 $510 $1,028
2005 Honda Civic $120 $198 $504 $1,002
2004 Honda Civic $116 $188 $500 $984

Rates are averaged for all Honda Civic models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Shop for Cheaper Honda Civic Insurance

Getting lower rates on insurance for a Honda Civic takes not taking risks behind the wheel, maintaining a good credit score, eliminating unnecessary coverage, and not having any coverage lapses. Set aside time to compare rates every time your policy renews by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following is a condensed summary of the information covered above.

  • Drivers can save approximately $150 per year simply by quoting online well ahead of the renewal date
  • Teens have the highest car insurance prices, with premiums as much as $431 a month if the policy includes full coverage
  • Increasing physical damage deductibles could save as much as $400 each year
  • Drivers considered higher risk with multiple at-fault accidents pay on average $1,530 more annually for Civic insurance
  • Insureds who want higher liability limits will pay approximately $570 each year to raise limits from a low limit to a 250/500 level

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.

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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:

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.

Rates by Driver Age

Honda Civic Insurance Rates by Driver Age
Driver Age Premium
16 $5,174
20 $3,030
30 $1,326
40 $1,296
50 $1,188
60 $1,166

Full coverage, $500 deductibles

Rates by Deductible

Honda Civic Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,558
$250 $1,434
$500 $1,296
$1,000 $1,160

Full coverage, driver age 40

Rates by Liability Limit

Honda Civic Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,296
50/100 $1,292
100/300 $1,407
250/500 $1,706
100 CSL $1,338
300 CSL $1,591
500 CSL $1,775

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Civic Insurance Rates for High Risk Drivers
Age Premium
16 $7,338
20 $4,840
30 $2,866
40 $2,828
50 $2,708
60 $2,686

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $185

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $67
Multi-vehicle $72
Homeowner $22
5-yr Accident Free $90
5-yr Claim Free $84
Paid in Full/EFT $54
Advance Quote $62
Online Quote $89
Total Discounts $540
Rate after discounts $756

Discounts are estimated and may not be available from every company or in every state.

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