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 insurance rates for a Honda Civic are $1,512 a year for full coverage insurance. Comprehensive costs an estimated $256 each year, collision costs $626, and liability coverage costs $450. A policy with just liability insurance costs as little as $518 a year, with coverage for high-risk drivers costing around $3,316. Teenage drivers pay the highest rates at $5,808 a year or more.

Average premium for full coverage: $1,512

Price estimates broken down by individual coverage:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and Civic models.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on the price of insurance. More rural locations have a lower frequency of physical damage claims than densely populated cities.

The graphic below illustrates how your location can change insurance prices.

The ranges above illustrate why all drivers should compare rates for a targeted area and risk profile, rather than using average rates.

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

More Rate Information

The chart below illustrates estimated Honda Civic insurance rates for other coverage scenarios.

• The best discount rate is $857
• Drivers who choose higher $1,000 deductibles will pay approximately $198 each year
• The average rate for the average middle-age driver who has $500 deductibles is $1,512
• Using low deductibles for comprehensive and collision insurance will increase the cost to $1,908
• High-risk insureds who are prone to accidents and violations could pay up to $3,316 or more
• The price for full coverage for a teenage driver can cost as much as $5,808 a year

View Chart as Image

Insurance prices for a Honda Civic are also quite variable based on your driving record, the model year and trim level, and liability limits and deductibles.

More mature drivers with a clean driving record and high deductibles may only pay around $1,400 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay at least $5,800 a year. View Rates by Age

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

View Chart as Image

Using high physical damage deductibles could save up to $600 a year, whereas increasing liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $358 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying $1,800 to $2,500 extra each year, depending on your age. Insurance for high-risk drivers can cost around 43% to 132% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the only way to figure out which car insurance is cheapest is to do a rate comparison and see how they stack up. Every company uses a different method to calculate prices, so the prices may be quite 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 More Affordable Honda Civic Insurance

Getting lower rates on auto insurance not only requires avoiding accidents and violations, but also maintaining good credit, not filing small claims, and taking advantage of discounts. Invest the time to shop around at every policy renewal by requesting rates from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

The list below is a summary of the data illustrated above.

• Consumers who want higher liability limits will pay an extra $500 annually to go from a low limit to 250/500 limits
• It is possible to save approximately $190 per year simply by quoting online in advance
• Increasing physical damage deductibles can save around $600 each year
• Teenagers are charged the highest prices, as much as $484 a month for full coverage

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.