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 insurance rates for a Honda Civic are $1,508 a year for full coverage. Comprehensive costs approximately $248, collision costs $610, and liability coverage is $470. Liability-only insurance costs around $536 a year, with high-risk driver insurance costing around $3,314. 16-year-old drivers pay the most at $5,826 a year or more.

Average premium for full coverage: $1,508

Premium estimates by type of coverage:

Price estimates include $500 policy deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Rates include averaging for all states and for all Civic models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. Rural locations are statistically proven to have lower incidents of accident claims than congested cities.

The example below illustrates how location helps determine auto insurance prices.

These rate differences show why everyone should compare rates quotes using their specific location, rather than using rate averages.

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

Rate Comparisons

The chart below shows estimated Honda Civic insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $855
• Raising to $1,000 deductibles will save $194 a year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,508
• Buying pricier low deductibles bumps up the cost to $1,894
• Unlucky drivers with multiple tickets or accidents could pay around $3,314 or more
• An auto insurance policy that insures a teenage driver for full coverage can cost $5,826

View Chart as Image

Insurance prices for a Honda Civic also have a wide range based on the model of your Civic, how you drive, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you could be paying anywhere from $1,800 to $2,500 additional annually, depending on your age. Honda Civic insurance for high-risk drivers is expensive and can cost around 43% to 132% more than the average rate. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,800 a year. View Rates by Age

Where you choose to live also has a big influence on Honda Civic insurance rates. A middle-age driver might find prices as low as $990 a year in states like Iowa, Maine, and Idaho, or at least $2,150 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can reduce prices by up to $580 a year, whereas buying more liability protection will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $375 more each year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know who has the cheapest car insurance prices is to regularly compare prices and see how they stack up. Every auto insurance company utilizes a different rate formula, and prices will be substantially different.

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 Cheaper Honda Civic Insurance

Finding better rates on auto insurance consists of being a good driver, having a good credit score, not filing small claims, and qualifying for all possible discounts. Comparison shop every year by getting rate quotes from direct carriers, and also from insurance agencies where you live.

The following list is a condensed summary of the coverage data covered in the charts and tables above.

• Drivers can save around $180 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles can save approximately $575 each year
• Drivers age 16 to 20 are the costliest to insure, as much as $486 per month if comprehensive and collision insurance is included
• Drivers with multiple at-fault accidents could be forced to pay on average $1,810 more per year than a safer driver

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.