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 auto insurance rates for a Honda Civic are $1,512 annually for full coverage insurance. Comprehensive insurance costs on average $256 a year, collision costs $626, and liability costs $450. A policy with just liability insurance costs as little as $518 a year, with coverage for high-risk drivers costing $3,316 or more. Teenage 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, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and Civic trim levels.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on insurance rates. Rural areas have fewer physical damage claims than densely populated cities.

The diagram below illustrates the difference location can make on car insurance rates.

The ranges above illustrate why it is important to compare rates based on a specific location and their own personal driving habits, instead of using average rates.

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

Detailed Rate Analysis

The chart below illustrates estimated Honda Civic insurance rates for different risk profiles and scenarios.

• The best discount rate is $857
• Drivers who choose higher $1,000 deductibles will pay around $1,314 each year
• The estimated rate for the average middle-age driver with $500 deductibles is $1,512
• Using low $100 deductibles for comprehensive and collision insurance costs an additional $396 every year
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $3,316 or more
• The price with full coverage for a teen driver may cost $5,808 a year

View Chart as Image

Insurance prices for a Honda Civic are also quite variable based on the trim level and model year, your risk profile, and policy deductibles and limits.

Older drivers with a clean driving record and high physical damage deductibles may pay as little as $1,400 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay upwards of $5,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying at a minimum $1,800 to $2,500 extra each year, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $600 every year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $358 more per year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Honda Civic insurance prices. A 40-year-old driver could pay as low as $990 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,040 on average in Michigan, New York, and Florida.

View Chart as Image

Since prices can be so different, the only way to figure out exactly what you will pay is to get quotes and see which company has the best price. Every company uses a different method to calculate prices, so the prices may be quite different between companies.

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

Getting lower rates on car insurance not only requires being a safe and courteous driver, but also having a good credit history, not filing small claims, and bundling your home and auto policies. Make time to compare rates at least once a year by getting price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below is a summary of the primary concepts that were touched on in this article.

• It is possible to save as much as $190 per year simply by quoting early and online
• Higher risk drivers who have multiple accidents or major violations may pay on average $1,800 more each year for auto insurance
• Increasing physical damage deductibles could save up to $600 each year
• Teenage drivers pay the highest prices, as much as $484 a 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.