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

Average premium for full coverage: $1,508

Premium estimates by type of coverage:

Prices are based on $500 deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and Civic trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on car insurance prices. Rural locations are statistically proven to have lower incidents of comprehensive and collision claims than congested cities.

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

These rate differences highlight why it is important to compare rates quotes using their specific location, instead of making a decision based on rate averages.

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

Rates by State, City, and Model

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

• The best full coverage rate is $855
• Raising to $1,000 deductibles will save $1,314 every year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,508
• Buying low $100 deductibles will cost an additional $386 annually
• Drivers with multiple tickets or accidents could pay around $3,314 or more
• An auto insurance policy that insures a 16-year-old driver can cost $5,826

View Chart as Image

Insurance prices for a Honda Civic also have a wide range based on the trim level of your Civic, your driving record and age, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you are likely paying anywhere from $1,800 to $2,500 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 132% more than the average rate. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low 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 teens with perfect driving records can expect to pay in the ballpark of $5,800 a year. View Rates by Age

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 $1,160 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,150 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can reduce prices by up to $580 annually, while buying higher liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $375 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to figure out who has the best auto insurance prices is to get quotes from multiple companies. Every auto insurance company utilizes a different rate formula, so the 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 Find Affordable Honda Civic Insurance

Finding better rates on insurance for a Honda Civic consists of not taking risks behind the wheel, having above-average credit, refrain from filing small claims, and maximizing policy discounts. Comparison shop every couple of years by requesting rates from direct car insurance companies, and also from local auto insurance providers.

The following is a brief review of the material that was touched on in the above illustrations.

• Insureds who purchase higher liability limits will pay around $520 per year to raise from 30/60 bodily injury limits to the 250/500 level
• Teens are expensive to insure, with the cost nearing $486 per month if full coverage is included
• Drivers considered higher risk with DUI or reckless driving convictions will likely pay on average $1,810 more per year for Civic insurance
• Increasing policy deductibles can save approximately $575 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.