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 auto insurance rates for a Honda Civic are $1,512 annually including full coverage. Comprehensive insurance costs an estimated $256, collision insurance costs $626, and liability insurance costs $450. A liability-only policy costs as little as $518 a year, and high-risk insurance costs $3,316 or more. Teens pay the most at up to $5,808 a year.

Average premium for full coverage: $1,512

Premium estimates broken down by type of coverage:

Full coverage includes $500 comprehensive and collision deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and for different Civic trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a significant impact on the price of auto insurance. More rural locations are statistically proven to have fewer comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates the effect of geographic area on insurance prices.

These rate differences highlight why anyone shopping for car insurance should compare rates for a targeted area and their own personal driving habits, rather than relying on averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $857
• Drivers who choose higher $1,000 deductibles will pay approximately $198 every year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,512
• Selecting more expensive low deductibles for comprehensive and collision insurance costs an additional $396 a year
• High risk drivers with serious driving violations could pay up to $3,316
• An auto insurance policy with full coverage for a teen driver with full coverage can cost as much as $5,808 a year

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Auto insurance prices for a Honda Civic also have a wide range based on the model of your Civic, your driving characteristics, and liability limits and deductibles.

An older driver with a good driving record and high physical damage deductibles could pay as little as $1,400 per year on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay at least $5,800 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying $1,800 to $2,500 in extra premium annually, depending on your age. High-risk driver insurance can cost anywhere from 43% to 132% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $600 each year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $358 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Honda Civic insurance rates. A 40-year-old driver could pay 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.

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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 More Affordable Honda Civic Insurance

Finding better rates on Honda Civic insurance not only requires having a decent driving record, but also having above-average credit, refrain from filing small claims, and consideration of higher deductibles. Take the time to compare rates every couple of years by requesting quotes from direct car insurance companies, and also from insurance agencies where you live.

The following items are a summary of the material that was covered in the above illustrations.

• Drivers who want additional liability coverage will pay approximately $500 per year to go from 30/60 bodily injury limits to higher 250/500 limits
• 16 to 18-year-old drivers are the costliest to insure, with the cost nearing $484 per month if full coverage is included
• High-risk drivers who have multiple accidents or major violations could be forced to pay on average $1,800 more annually than a driver with a clean driving record
• Increasing policy deductibles could save up to $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.