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 auto insurance rates for a Honda Civic are $1,512 annually including full coverage. Comprehensive insurance costs an estimated $256 a year, collision insurance costs $626, and liability costs $450. Buying just liability costs as little as $518 a year, and insurance for high-risk drivers costs $3,316 or more. 16-year-old drivers cost the most to insure at up to $5,808 a year.

Average premium for full coverage: $1,512

Policy rates broken down by type of insurance:

Rate estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Civic trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than congested cities. The diagram below illustrates how your location can change insurance prices.

The examples above highlight why it is important to compare rates for a targeted area and their own personal driving habits, instead of using rate averages.

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

Additional Charts and Tables

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

• The best full coverage rate is $857
• Drivers who choose higher $1,000 deductibles will pay approximately $1,314 every year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,512
• Buying low $100 deductibles for comprehensive and collision insurance costs an additional $396 every year
• Higher-risk drivers with multiple tickets or accidents could pay up to $3,316
• Policy cost with full coverage for a teen driver can cost as much as $5,808 a year

View Chart as Image

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

Older drivers with a clean driving record and high physical damage deductibles may pay as little as $1,400 per year on average, or $117 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay at least $5,800 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying $1,800 to $2,500 extra every year, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 132% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $600 every year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $358 more per year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Honda Civic insurance prices. A 40-year-old driver could pay as low as $1,160 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,160 on average in Louisiana, New York, and Michigan.

View Chart as Image

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 Buy the Best Honda Civic Insurance

Finding cheaper rates on car insurance not only requires being a low-risk driver, but also having a good credit history, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Invest the time to shop around at every policy renewal by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The items below are a brief recap of the data illustrated above.

• Policyholders who want more liability coverage will pay around $500 per year to go from a 30/60 limit to higher 250/500 limits
• You may be able to save approximately $190 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $600 each year
• Teen drivers are charged the highest rates, with premiums being up to $484 each month including comprehensive and collision insurance

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.