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.

Estimated insurance prices for a Honda Civic are $1,508 every 12 months for full coverage insurance. Comprehensive costs around $248, collision costs $610, and liability is $470. A liability-only policy costs around $536 a year, with high-risk insurance costing around $3,314. 16-year-old drivers pay the most at $5,826 a year or more.

Average premium for full coverage: $1,508

Premium estimates for type of coverage:

Price estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and for all Civic models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on car insurance rates. Areas with sparse population are statistically proven to have more infrequent physical damage claims than congested cities.

The example below illustrates how where you live affects auto insurance rates.

These rate differences illustrate why everyone should compare rates quotes for a specific zip code and their own driving history, instead of using rate averages.

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

Rates by State, City, and Model

The chart below illustrates estimated Honda Civic insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $855
• Raising to $1,000 deductibles will save about $194 each year
• The average price for a 40-year-old good driver using $500 deductibles is $1,508
• Buying pricier low deductibles increases the price to $1,894
• At-risk drivers with multiple tickets or accidents could pay at least $3,314 or more
• An auto insurance policy to insure a teen driver for full coverage can be $5,826

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Auto insurance prices for a Honda Civic also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level and model year.

Opting for high physical damage deductibles can reduce prices by up to $580 every year, whereas buying more liability protection will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $375 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay as much as $5,800 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying at least $1,800 to $2,500 in extra premium annually, depending on your age. Honda Civic insurance for high-risk drivers is expensive and can cost as much as 43% to 132% more than the average rate. View High Risk Driver Rates

Where you choose to live also has a big influence on Honda Civic insurance prices. A middle-age driver might find prices as low as $990 a year in states like Vermont, Wisconsin, and North Carolina, or at least $2,030 on average in Michigan, New York, and Florida.

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With such a large range in prices, the only way to figure out your exact price is to regularly compare prices and see which company has the best price. Every auto insurance company utilizes a different rate formula, and quoted prices will be substantially different.

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 Cheaper Honda Civic Insurance

Finding better rates on car insurance consists of avoiding accidents and violations, having a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Take the time to comparison shop at least every other year by requesting quotes from direct insurance companies, and also from your local independent and exclusive agents.

The list below is a condensed summary of the car insurance concepts touched on in the above illustrations.

• Higher risk drivers with multiple at-fault accidents may pay on average $1,810 more every year for car insurance
• It is possible to save up to $180 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles could save as much as $575 each year
• Policyholders who may need higher liability limits will pay around $520 annually to raise from 30/60 bodily injury limits 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.