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.

Average insurance rates for a Honda Civic are $1,512 a year including full coverage. Comprehensive insurance costs on average $256, collision costs $626, and liability insurance costs around $450. A liability-only policy costs as low as $518 a year, with high-risk insurance costing $3,316 or more. Teens receive the highest rates at $5,808 a year or more.

Average premium for full coverage: $1,512

Rate estimates by individual coverage type:

Rate estimates include $500 deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and for all Civic models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.

The example below illustrates how rural and urban location affects car insurance rates.

These examples highlight why everyone should compare prices based on a specific location and risk profile, 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 estimated Honda Civic insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $857
• Using higher $1,000 deductibles will save around $198 every year
• The average rate for a 40-year-old driver with $500 deductibles is $1,512
• Selecting pricier low deductibles for physical damage coverage will cost an extra $396 a year
• Drivers with serious driving violations could pay upwards of $3,316 or more
• The cost for full coverage for a teen driver for full coverage may cost $5,808 or more

View Chart as Image

Insurance rates for a Honda Civic can also vary considerably based on your driver profile, the model of your Civic, and policy deductibles and limits.

A more mature driver with a clean driving record and high deductibles could pay as little as $1,400 a year for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay upwards of $5,800 a year. View Rates by Age

Where you live has a huge impact on Honda Civic insurance rates. A driver around age 40 might see rates as low as $1,160 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,160 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $600 each year, whereas buying more liability protection will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost as much as $358 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying at a minimum $1,800 to $2,500 extra per year, depending on your age. Honda Civic insurance for high-risk drivers can be anywhere from 43% to 132% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the best way to figure out exactly what you will pay is to regularly compare rates from as many companies as possible. Each insurance company calculates rates differently, so the rates can be significantly different from one company to the next.

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 the Best Honda Civic Insurance

Saving money on Honda Civic insurance requires not taking risks behind the wheel, maintaining good credit, not filing small claims, and bundling your home and auto policies. Set aside time to shop around once a year by requesting rates from direct car insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.

The following is a brief recap of the data that was raised in the charts and tables above.

• You may be able to save as much as $190 per year simply by quoting online well ahead of the renewal date
• Drivers who require higher liability limits will pay approximately $500 per year to increase from a minimum limit to 250/500 limits
• Teens pay the highest rates, as much as $484 per month for full coverage
• High-risk drivers who tend to receive serious violations may pay on average $1,800 more each year for Civic 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.