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...

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UPDATED: May 8, 2024

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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 auto insurance rates for a Honda Civic are $1,512 annually for full coverage. Comprehensive insurance costs an estimated $256 a year, collision costs $626, and liability is $450. Buying just liability costs around $518 a year, with insurance for high-risk drivers costing $3,316 or more. Teen drivers pay the highest rates at $5,808 a year or more.

Average premium for full coverage: $1,512

Price estimates broken down by individual coverage:

Comprehensive $256
Collision $626
Liability $450

Prices are based on $500 policy deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and Civic trim levels.

Price Range from Low to High

For a driver in their 40's, Honda Civic insurance prices go from as cheap as $518 for just liability coverage to a high of $3,316 for high-risk insurance.

Liability Only $518
Full Coverage $1,512
High Risk $3,316

Geographic Price Range

Choosing to live in a large city can make a big difference on insurance rates. More rural locations have fewer accident claims than larger metro areas.

The diagram below illustrates how location helps determine insurance prices.

Rural Areas $1,134
Small Cities $1,588
Large Cities $2,041

The ranges above show why it is important to compare rates quotes for a targeted area and their own personal driving habits, instead of making a decision based on price averages.

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.

Detailed Rate Analysis

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

  • The lowest rate with discounts is $857
  • Raising to $1,000 deductibles will save approximately $1,314 a year
  • The estimated rate for the average middle-age driver who has $500 deductibles is $1,512
  • Choosing low $100 deductibles costs an additional $396 annually
  • Drivers with multiple violations and an at-fault accident could pay up to $3,316 or more
  • The price with full coverage for a 16-year-old driver can cost as much as $5,808

View Chart as Image

Honda Civic insurance cost comparison chart
Column chart showing full coverage Honda Civic insurance prices range from $857 to $5,808

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

Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,400 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay at least $5,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying $1,800 to $2,500 additional each year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce prices by up to $600 annually, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $358 more each year. View Rates by Deductible or Liability Limit

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

Honda Civic Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,368 -$144 -9.5%
Alaska $1,160 -$352 -23.3%
Arizona $1,256 -$256 -16.9%
Arkansas $1,512 -$0 0.0%
California $1,724 $212 14.0%
Colorado $1,444 -$68 -4.5%
Connecticut $1,552 $40 2.6%
Delaware $1,712 $200 13.2%
Florida $1,890 $378 25.0%
Georgia $1,396 -$116 -7.7%
Hawaii $1,086 -$426 -28.2%
Idaho $1,026 -$486 -32.1%
Illinois $1,126 -$386 -25.5%
Indiana $1,142 -$370 -24.5%
Iowa $1,020 -$492 -32.5%
Kansas $1,436 -$76 -5.0%
Kentucky $2,062 $550 36.4%
Louisiana $2,238 $726 48.0%
Maine $934 -$578 -38.2%
Maryland $1,248 -$264 -17.5%
Massachusetts $1,208 -$304 -20.1%
Michigan $2,624 $1,112 73.5%
Minnesota $1,266 -$246 -16.3%
Mississippi $1,814 $302 20.0%
Missouri $1,342 -$170 -11.2%
Montana $1,624 $112 7.4%
Nebraska $1,192 -$320 -21.2%
Nevada $1,814 $302 20.0%
New Hampshire $1,088 -$424 -28.0%
New Jersey $1,692 $180 11.9%
New Mexico $1,338 -$174 -11.5%
New York $1,592 $80 5.3%
North Carolina $872 -$640 -42.3%
North Dakota $1,238 -$274 -18.1%
Ohio $1,044 -$468 -31.0%
Oklahoma $1,552 $40 2.6%
Oregon $1,386 -$126 -8.3%
Pennsylvania $1,440 -$72 -4.8%
Rhode Island $2,016 $504 33.3%
South Carolina $1,370 -$142 -9.4%
South Dakota $1,276 -$236 -15.6%
Tennessee $1,322 -$190 -12.6%
Texas $1,822 $310 20.5%
Utah $1,120 -$392 -25.9%
Vermont $1,036 -$476 -31.5%
Virginia $906 -$606 -40.1%
Washington $1,168 -$344 -22.8%
West Virginia $1,388 -$124 -8.2%
Wisconsin $1,048 -$464 -30.7%
Wyoming $1,348 -$164 -10.8%

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 get quotes from multiple companies. Every auto insurance company uses a different rate calculation, and prices may be quite different between companies.

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 $1,282 $107
Honda Civic DX 2-Dr Coupe $1,526 $127
Honda Civic LX 4-Dr Sedan $1,354 $113
Honda Civic VP 4-Dr Sedan $1,354 $113
Honda Civic EX 4-Dr Sedan $1,396 $116
Honda Civic LX 2-Dr Coupe $1,568 $131
Honda Civic LX-S 4-Dr Sedan $1,396 $116
Honda Civic EX-L 4-Dr Sedan $1,438 $120
Honda Civic EX 2-Dr Coupe $1,624 $135
Honda Civic SI 4-Dr Sedan $1,482 $124
Honda Civic EX-L 2-Dr Coupe $1,666 $139
Honda Civic GX 4-Dr Sedan $1,494 $125
Honda Civic SI 2-Dr Coupe $1,706 $142
Honda Civic Hybrid 4-Dr Sedan $1,416 $118

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.

Honda Civic Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Honda Civic $268 $630 $440 $1,518
2023 Honda Civic $256 $626 $450 $1,512
2022 Honda Civic $248 $610 $470 $1,508
2021 Honda Civic $240 $586 $486 $1,492
2020 Honda Civic $226 $564 $500 $1,470
2019 Honda Civic $218 $524 $510 $1,432
2018 Honda Civic $208 $494 $514 $1,396
2017 Honda Civic $200 $442 $520 $1,342
2016 Honda Civic $188 $408 $520 $1,296
2015 Honda Civic $180 $382 $524 $1,266
2014 Honda Civic $176 $356 $534 $1,246
2013 Honda Civic $164 $330 $534 $1,208
2012 Honda Civic $158 $300 $540 $1,178
2011 Honda Civic $148 $274 $534 $1,136
2010 Honda Civic $140 $250 $534 $1,104
2009 Honda Civic $134 $224 $530 $1,068
2008 Honda Civic $132 $218 $520 $1,050
2007 Honda Civic $130 $208 $510 $1,028
2006 Honda Civic $120 $198 $504 $1,002
2005 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 Buy Affordable Honda Civic Insurance

Getting lower rates on insurance for a Honda Civic consists of being safe and accident-free, having good credit, eliminating unnecessary coverage, and maximizing policy discounts. Invest time comparing rates every couple of years by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below you'll find a brief review of the material that was covered in the charts and tables above.

  • Insureds who want more liability protection will pay about $500 each year to raise from a low limit to higher 250/500 limits
  • Youthful drivers are expensive to insure, with premiums as much as $484 a month if they have full coverage
  • Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,800 more annually than a low-risk driver
  • Increasing physical damage deductibles could save up to $600 each year

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 $5,808
20 $3,572
30 $1,574
40 $1,512
50 $1,386
60 $1,362

Full coverage, $500 deductibles

Rates by Deductible

Honda Civic Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,908
$250 $1,722
$500 $1,512
$1,000 $1,314

Full coverage, driver age 40

Rates by Liability Limit

Honda Civic Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,512
50/100 $1,496
100/300 $1,595
250/500 $1,854
100 CSL $1,535
300 CSL $1,754
500 CSL $1,914

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Civic Insurance Rates for High Risk Drivers
Age Premium
16 $8,288
20 $5,692
30 $3,388
40 $3,316
50 $3,172
60 $3,146

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 $220

Potential Rate Discounts

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

Discount Savings
Multi-policy $80
Multi-vehicle $82
Homeowner $22
5-yr Accident Free $116
5-yr Claim Free $99
Paid in Full/EFT $71
Advance Quote $78
Online Quote $107
Total Discounts $655
Rate after discounts $857

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

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