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.

U.S. average insurance rates for a Honda Civic are $1,512 a year for full coverage. Comprehensive insurance costs approximately $256, collision costs $626, and liability is $450. A policy with just liability insurance costs around $518 a year, with coverage 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 by individual coverage:

Full coverage includes $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and for all Civic models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural locations have a lower frequency of accident claims than larger metro areas.

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

The ranges above show why everyone should compare rates quotes using their specific location and risk profile, instead of making a decision based on price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $857
• Raising to $1,000 deductibles will save $198 a year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,512
• Choosing pricier low deductibles will cost an extra $396 annually
• Drivers with multiple violations and an at-fault accident could pay around $3,316 or more
• The price for full coverage for a 16-year-old driver for full coverage can cost $5,808

View Chart as Image

Insurance prices for a Honda Civic are also quite variable based on your driving record, the trim level of your Civic, and physical damage deductibles and liability limits.

A more mature driver with a clean driving record and high deductibles may pay as low as $1,400 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay in the ballpark of $5,800 a year. View Rates by Age

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.

View Chart as Image

Choosing high deductibles can reduce prices by up to $600 annually, whereas buying more liability protection will push prices upward. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $358 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying anywhere from $1,800 to $2,500 extra each year, depending on your age. Honda Civic insurance for high-risk drivers is expensive and can cost from 43% to 132% more than average. View High Risk Driver Rates

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to regularly compare prices from multiple companies. Every auto insurance company uses a different rate calculation, so the prices may be quite different from one company to the next.

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 Find More Affordable Honda Civic Insurance

Getting lower rates on insurance for a Honda Civic consists of being a safe and courteous driver, maintaining good credit, eliminating unnecessary coverage, and maximizing policy discounts. Take the time to comparison shop at every other renewal by requesting quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

Below is a summary of the concepts that were touched on in the above illustrations.

• Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,800 more per year for auto insurance
• Teenage drivers are expensive to insure, with premiums as much as $484 a month for full coverage
• Drivers can save around $190 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save around $600 each year
• Drivers can save around $190 per year simply by quoting online well ahead of the renewal date

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.