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 $1,342 a year for full coverage. Comprehensive insurance costs approximately $200, collision costs $442, and liability is $520. A liability-only policy costs around $576 a year, with high-risk insurance costing $2,936 or more. 16-year-old drivers receive the highest rates at $5,334 a year or more.

Average premium for full coverage: $1,342

Rate estimates by individual coverage type:

Price estimates include $500 deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist 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 can make a big difference on car insurance rates. Rural locations tend to have a lower frequency of accident claims than congested cities.

The price range example below illustrates how geographic area affects auto insurance prices.

These examples show why anyone shopping for car insurance should compare rates quotes using their specific location and risk profile, instead of making a decision based on rate averages.

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

Additional Rate Analysis

The chart below shows estimated Honda Civic insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $778
• Raising to $1,000 deductibles will save $144 a year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,342
• Buying more expensive low deductibles will cost an extra $288 annually
• Drivers with multiple tickets or accidents could pay around $2,936 or more
• The cost for full coverage for a 16-year-old driver with full coverage can cost $5,334

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 physical damage deductibles and liability limits.

An older driver with a clean driving record and high deductibles may pay as low as $1,300 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay in the ballpark of $5,300 a year. View Rates by Age

Where you live also has a big influence on Honda Civic insurance prices. A middle-age driver might find rates as low as $890 a year in states like Iowa, Maine, and Idaho, or at least $1,910 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $440 annually, while increasing your policy's liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will cost as much as $414 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying anywhere from $1,600 to $2,300 extra per year, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 132% more than the average rate. View High Risk Driver Rates

With so much variability in rates, the only way to know who has the cheapest car insurance rates is to compare rates from multiple companies. Every auto insurance company utilizes a different rate formula, so the rates can be significantly different from one company to the next.

Insurance Rates by Trim Level and Model Year

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.

How to Find Cheaper Honda Civic Insurance

Saving money on insurance for a Honda Civic consists of not taking risks behind the wheel, maintaining good credit, eliminating unneeded coverage, and maximizing policy discounts. Invest the time to compare rates every time your policy renews by obtaining price quotes from direct carriers like GEICO and Progressive, and also from local exclusive and independent agents.

The following is a condensed summary of the information presented in the illustrations above.

• Drivers can save around $160 per year simply by shopping early and online
• Teens are expensive to insure, costing as high as $445 per month for full coverage
• Increasing deductibles can save around $425 each year
• Drivers considered higher risk with multiple at-fault accidents may pay on average $1,590 more per year for Civic insurance
• Insureds who purchase higher liability limits will pay around $570 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.