Honda Civic Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Apr 18, 2022

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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.

Average insurance rates for a Honda Civic are $1,342 a year for full coverage. Comprehensive costs on average $200 a year, collision costs $442, and liability insurance costs $520. A liability-only policy costs as little as $576 a year, with high-risk insurance costing around $2,936. Teen 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:

Comprehensive $200
Collision $442
Liability $520

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Civic trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $576 for only liability insurance to a high of $2,936 for a high risk driver.

Liability Only $576
Full Coverage $1,342
High Risk $2,936

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

Rural Areas $1,007
Small Cities $1,409
Large Cities $1,812

These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying 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.

Insurance Rate Analysis

The chart below shows estimated Honda Civic insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $778
  • Drivers who choose higher $1,000 deductibles will pay around $1,198 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,342
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,630
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,936 or more
  • The cost for full coverage for a teen driver may cost $5,334 a year

View Chart as Image

Honda Civic insurance cost comparison chart
Column chart showing full coverage Honda Civic insurance rates range from $778 to $5,334

for a Honda Civic can also vary considerably based on your driver profile, the trim level of your Civic, and policy deductibles and limits.

Older drivers and high deductibles could pay as little as $1,300 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $5,300 a year. View Rates by Age

Where you live makes a big difference in Honda Civic insurance rates. A 40-year-old driver could pay as low as $890 a year in states like Idaho, Maine, and Iowa, or as much as $1,910 on average in Michigan, Louisiana, and New York.

Honda Civic Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,212 -$130 -9.7%
Alaska $1,030 -$312 -23.2%
Arizona $1,116 -$226 -16.8%
Arkansas $1,342 -$0 0.0%
California $1,528 $186 13.9%
Colorado $1,280 -$62 -4.6%
Connecticut $1,378 $36 2.7%
Delaware $1,518 $176 13.1%
Florida $1,680 $338 25.2%
Georgia $1,238 -$104 -7.7%
Hawaii $964 -$378 -28.2%
Idaho $910 -$432 -32.2%
Illinois $1,000 -$342 -25.5%
Indiana $1,012 -$330 -24.6%
Iowa $906 -$436 -32.5%
Kansas $1,274 -$68 -5.1%
Kentucky $1,828 $486 36.2%
Louisiana $1,988 $646 48.1%
Maine $830 -$512 -38.2%
Maryland $1,108 -$234 -17.4%
Massachusetts $1,072 -$270 -20.1%
Michigan $2,328 $986 73.5%
Minnesota $1,124 -$218 -16.2%
Mississippi $1,608 $266 19.8%
Missouri $1,190 -$152 -11.3%
Montana $1,440 $98 7.3%
Nebraska $1,058 -$284 -21.2%
Nevada $1,610 $268 20.0%
New Hampshire $966 -$376 -28.0%
New Jersey $1,500 $158 11.8%
New Mexico $1,188 -$154 -11.5%
New York $1,414 $72 5.4%
North Carolina $774 -$568 -42.3%
North Dakota $1,100 -$242 -18.0%
Ohio $926 -$416 -31.0%
Oklahoma $1,378 $36 2.7%
Oregon $1,230 -$112 -8.3%
Pennsylvania $1,278 -$64 -4.8%
Rhode Island $1,790 $448 33.4%
South Carolina $1,216 -$126 -9.4%
South Dakota $1,132 -$210 -15.6%
Tennessee $1,174 -$168 -12.5%
Texas $1,616 $274 20.4%
Utah $992 -$350 -26.1%
Vermont $918 -$424 -31.6%
Virginia $804 -$538 -40.1%
Washington $1,036 -$306 -22.8%
West Virginia $1,230 -$112 -8.3%
Wisconsin $928 -$414 -30.8%
Wyoming $1,194 -$148 -11.0%

View Chart as Image

Honda Civic insurance rates by U.S. city

Choosing high deductibles could save up to $440 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $414 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,600 to $2,300 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 132% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

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 $1,146 $96
Honda Civic DX 2-Dr Coupe $1,376 $115
Honda Civic LX 4-Dr Sedan $1,198 $100
Honda Civic VP 4-Dr Sedan $1,198 $100
Honda Civic EX 4-Dr Sedan $1,230 $103
Honda Civic LX 2-Dr Coupe $1,406 $117
Honda Civic LX-S 4-Dr Sedan $1,230 $103
Honda Civic EX-L 4-Dr Sedan $1,260 $105
Honda Civic EX 2-Dr Coupe $1,448 $121
Honda Civic SI 4-Dr Sedan $1,292 $108
Honda Civic EX-L 2-Dr Coupe $1,478 $123
Honda Civic GX 4-Dr Sedan $1,302 $109
Honda Civic SI 2-Dr Coupe $1,510 $126
Honda Civic Hybrid 4-Dr Sedan $1,248 $104

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 $248 $610 $470 $1,508
2019 Honda Civic $240 $586 $486 $1,492
2018 Honda Civic $226 $564 $500 $1,470
2017 Honda Civic $218 $524 $510 $1,432
2016 Honda Civic $208 $494 $514 $1,396
2015 Honda Civic $200 $442 $520 $1,342
2014 Honda Civic $188 $408 $520 $1,296
2013 Honda Civic $180 $382 $524 $1,266
2012 Honda Civic $176 $356 $534 $1,246
2011 Honda Civic $164 $330 $534 $1,208
2010 Honda Civic $158 $300 $540 $1,178
2009 Honda Civic $148 $274 $534 $1,136
2008 Honda Civic $140 $250 $534 $1,104
2007 Honda Civic $134 $224 $530 $1,068
2006 Honda Civic $132 $218 $520 $1,050
2005 Honda Civic $130 $208 $510 $1,028
2004 Honda Civic $120 $198 $504 $1,002
2003 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 Find Cheaper Honda Civic Insurance

Saving money on Honda Civic insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $425 each year
  • Drivers can save as much as $160 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $570 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $445 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,590 more each year for insurance

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 $5,334
20 $3,148
30 $1,380
40 $1,342
50 $1,232
60 $1,208

Full coverage, $500 deductibles

Rates by Deductible

Honda Civic Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,630
$250 $1,494
$500 $1,342
$1,000 $1,198

Full coverage, driver age 40

Rates by Liability Limit

Honda Civic Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,342
50/100 $1,340
100/300 $1,455
250/500 $1,754
100 CSL $1,386
300 CSL $1,639
500 CSL $1,823

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Civic Insurance Rates for High Risk Drivers
Age Premium
16 $7,574
20 $5,028
30 $2,978
40 $2,936
50 $2,812
60 $2,788

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 $192

Potential Rate Discounts

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

Discount Savings
Multi-policy $70
Multi-vehicle $75
Homeowner $22
5-yr Accident Free $95
5-yr Claim Free $87
Paid in Full/EFT $57
Advance Quote $65
Online Quote $93
Total Discounts $564
Rate after discounts $778

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

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