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 rates for a Honda Civic are $1,512 a year including full coverage. Comprehensive costs an estimated $256, collision costs $626, and liability is $450. A liability-only policy costs around $518 a year, with high-risk insurance costing around $3,316. Teens cost the most to insure at $5,808 a year or more.

Average premium for full coverage: $1,512

Policy rates broken down by type of insurance:

Full coverage includes $500 physical damage insurance deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and for all Civic models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.

The example below illustrates how geographic area affects insurance prices.

The examples above highlight why everyone should compare rates quotes for a targeted area and risk profile, instead of making a decision based on averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $857
• Raising to $1,000 deductibles will save approximately $198 every year
• The average rate for a good driver age 40 who has $500 deductibles is $1,512
• Selecting pricier low deductibles will increase the cost to $1,908
• Drivers with serious driving violations could pay up to $3,316 or more
• Policy cost for full coverage for a 16-year-old driver for full coverage can cost as much as $5,808

View Chart as Image

Car insurance rates for a Honda Civic also range considerably based on your risk profile, the model of your Civic, and liability limits and deductibles.

A more mature driver with no driving violations and high deductibles may pay as low as $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged at least $5,800 a year. View Rates by Age

Your home state also has a big influence on Honda Civic insurance prices. A middle-age driver might find rates as low as $1,160 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,160 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $600 annually, whereas buying more liability protection will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $358 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying $1,800 to $2,500 extra every year, depending on your age. Honda Civic insurance for high-risk drivers is expensive and can cost from 43% to 132% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to regularly compare rates from multiple companies. Every auto insurance company calculates rates differently, so rate quotes will be varied 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

Finding cheaper rates on insurance for a Honda Civic consists of being a low-risk driver, having above-average credit, paying for small claims out-of-pocket, and not having any coverage lapses. Invest the time to compare rates every couple of years by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The items below are a summary of the material that was presented in the illustrations above.

• Insureds who want more liability coverage will pay approximately $500 per year to raise from a 30/60 limit to 250/500 limits
• Teen drivers have the highest car insurance rates, with premiums being up to $484 each month if full coverage is included
• Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,800 more annually to insure their Civic
• Increasing comprehensive and collision deductibles can save around $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.

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.