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 for full coverage. Comprehensive costs around $256 a year, collision costs $626, and liability costs $450. Liability-only coverage costs as little as $518 a year, with high-risk coverage costing around $3,316. 16-year-old drivers pay the most at $5,808 a year or more.

Average premium for full coverage: $1,512

Premium estimates for type of coverage:

Rates are based on $500 physical damage deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and Civic trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on auto insurance rates. Areas with sparse population are statistically proven to have fewer accident claims than congested cities.

The diagram below illustrates the effect of geographic area on auto insurance rates.

These rate differences show why it is important to compare rates for a specific zip code and their own personal driving habits, instead of using rate averages.

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

Additional Rate Details

The chart below shows estimated Honda Civic insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $857
• Drivers who choose higher $1,000 deductibles will pay about $1,314 a year
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,512
• Buying low $100 deductibles for comprehensive and collision insurance will cost $1,908
• Higher-risk drivers with multiple tickets or accidents could pay at least $3,316 or more
• An auto insurance policy with full coverage for a teen driver can be $5,808 a year

View Chart as Image

Insurance prices for a Honda Civic also have a wide range based on the model of your Civic, your driver profile, and deductibles and policy limits.

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. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay as much as $5,800 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying at least $1,800 to $2,500 extra annually, 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 prices. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $358 more per year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Honda Civic insurance prices. A 40-year-old driver could pay as low as $1,000 a year in states like Idaho, Maine, and Iowa, or at least $2,160 on average in Michigan, Louisiana, and New York.

View Chart as Image

With such a large range in prices, the only way to know your exact price is to get quotes and see which company has the best price. Every company utilizes a different rate formula, so the prices will be substantially 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 the Best Cheap Honda Civic Insurance

Finding better 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 insuring your home and auto with the same company. Take the time to compare rates every couple of years by getting rate quotes from direct carriers, and also from local independent and exclusive agents.

Below is a quick review of the material that was covered in the above illustrations.

• Policyholders who may need higher levels of liability will pay around $500 each year to go from 30/60 bodily injury limits to higher 250/500 limits
• Teenage drivers pay higher prices, as much as $484 per month including comprehensive and collision insurance
• Higher risk drivers with a DUI or reckless driving violation pay an average of $1,800 more every year for auto insurance
• 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.