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.

The average insurance prices for a Honda Civic are $1,518 every 12 months including full coverage. Comprehensive costs approximately $268, collision costs $630, and liability insurance is estimated at $440. Liability-only coverage costs approximately $510 a year, with high-risk coverage costing around $3,326. Teen drivers cost the most to insure at $5,796 a year or more.

Average premium for full coverage: $1,518

Policy rates by type of insurance:

Prices include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all Civic models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than larger metro areas.

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

The examples above highlight why everyone should get quotes using their specific location and their own driving history, rather than relying on price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $862
• Choosing higher $1,000 deductibles can save $202 every year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,518
• Choosing pricier low deductibles for comp and collision coverage increases the price to $1,920
• High-risk insureds with multiple violations and an at-fault accident could pay around $3,326 or more
• Policy cost to insure a teen driver for full coverage can cost $5,796 each year

View Chart as Image

Insurance rates for a Honda Civic also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your Civic.

Choosing high deductibles can save as much as $610 each year, whereas buying more liability protection will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $351 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles could pay as little as $1,400 annually on average, or $117 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay in the ballpark of $5,700 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying anywhere from $1,800 to $2,500 additional every year, depending on your age. Honda Civic insurance for high-risk drivers ranges anywhere from 43% to 132% more than average. View High Risk Driver Rates

Your home state plays a big part in determining prices for Honda Civic insurance rates. A good driver about age 40 could pay as low as $1,170 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,170 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to regularly compare rates from as many companies as possible. Each auto insurer uses a different rate calculation, and rates will be varied.

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 Shop for the Right Honda Civic Insurance

Finding cheaper rates on Honda Civic insurance takes avoiding accidents and violations, having above-average credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Set aside time to compare rates every time your policy renews by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.

The list below is a quick rundown of the information covered above.

• You may be able to save around $190 per year simply by quoting online well ahead of the renewal date
• Teenagers are the costliest to insure, with premiums being up to $483 each month if full coverage is included
• Increasing comprehensive and collision deductibles could save as much as $600 each year
• High-risk drivers with reckless driving or DUI convictions could be charged and average of $1,810 more per year for car insurance
• Drivers who purchase higher liability limits will pay about $480 per year to raise limits from a 30/60 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.

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.