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 $1,508 a year for full coverage insurance. Comprehensive costs on average $248, collision insurance costs $610, and liability insurance is estimated at $470. Liability-only insurance costs approximately $536 a year, and high-risk driver insurance costs around $3,314. 16-year-old drivers cost the most to insure at up to $5,826 a year.

Average premium for full coverage: $1,508

Policy rates by type of insurance:

Estimates include $500 policy deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and for different Civic trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on insurance rates. Rural areas are shown to have a lower frequency of physical damage claims than congested cities. The price range example below illustrates the difference location can make on car insurance rates.

The examples above illustrate why anyone shopping for car insurance should get quotes based on a specific location and risk profile, rather than relying on rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $855
• Choosing higher $1,000 deductibles can save around $194 each year
• The average rate for a good driver age 40 with $500 deductibles is $1,508
• Buying more expensive low deductibles for comp and collision coverage will increase the cost to $1,894
• High-risk insureds with multiple tickets or accidents could pay upwards of $3,314
• Policy cost for full coverage for a teen driver with full coverage may cost $5,826 each year

View Chart as Image

Auto insurance rates for a Honda Civic also range considerably based on your risk profile, the model year and trim level, and policy deductibles and limits.

An older driver with a good driving record and high deductibles could pay as little as $1,400 annually on average, or $117 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay upwards of $5,800 a year. View Rates by Age

Your home state plays a big part in determining prices for Honda Civic insurance rates. A good driver about age 40 could pay as low as $990 a year in states like Vermont, Wisconsin, and North Carolina, or at least $2,030 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles can save as much as $580 each year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $375 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying at a minimum $1,800 to $2,500 in extra premium every year, depending on your age. High-risk driver insurance ranges anywhere from 43% to 132% more than the average rate. View High Risk Driver Rates

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 Low Cost Honda Civic Insurance

Finding cheaper rates on Honda Civic insurance takes avoiding accidents and claims, having good credit, being claim-free, and deciding if full coverage is necessary. Make time to compare rates once a year by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The points below are a review of the data that was touched on in this article.

• It is possible to save as much as $180 per year just by shopping early and online
• Drivers who require increased liability limits will pay around $520 annually to raise limits from a 30/60 limit to 250/500 limits
• Drivers under the age of 20 are charged the highest rates, possibly costing $486 each month if they have full coverage
• High-risk drivers who have several accidents or serious violations pay an average of $1,810 more each year to insure a Honda Civic

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.