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 auto insurance rates for a Honda Civic are $1,512 annually with full coverage. Comprehensive costs an estimated $256, collision costs $626, and liability insurance is estimated at $450. Liability-only insurance costs approximately $518 a year, with high-risk driver insurance costing around $3,316. 16-year-old 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 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and for all Civic models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on car insurance rates. More rural locations have fewer collision claims than congested cities.

The example below illustrates how location helps determine insurance prices.

The ranges above demonstrate why everyone should get quotes for a targeted area and their own personal driving habits, rather than relying on rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $857
• Choosing higher $1,000 deductibles can save approximately $198 annually
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,512
• Buying pricier low deductibles for comp and collision coverage will cost $1,908
• High-risk insureds with multiple tickets or accidents could pay up to $3,316 or more
• The price with full coverage for a teen driver for full coverage can cost as much as $5,808 each year

View Chart as Image

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

A more mature driver with no driving violations and high physical damage deductibles could pay as little as $1,400 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged at least $5,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out $1,800 to $2,500 extra each year, depending on your age. Honda Civic insurance for high-risk drivers ranges anywhere from 43% to 132% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $600 each year, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $358 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Honda Civic insurance rates. A good driver about age 40 could pay as low as $1,090 a year in states like Utah, Ohio, and New Hampshire, or at least $2,040 on average in New York, Michigan, and Florida.

View Chart as Image

Since prices can be so different, the best way to find out which car insurance is cheapest is to regularly compare prices from as many companies as possible. Each auto insurer utilizes a different rate formula, so rate quotes may be quite 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 More Affordable Honda Civic Insurance

Getting lower rates on Honda Civic insurance takes having a decent driving record, having a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Invest time comparing rates at every other renewal by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following items are a summary of the concepts that were covered in the charts and tables above.

• High-risk drivers who have multiple accidents or major violations pay on average $1,800 more annually than a driver with a clean driving record
• 16 to 18-year-old drivers have the highest car insurance prices, costing up to $484 a month if comprehensive and collision insurance is included
• You may be able to save approximately $190 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles could save up to $600 each year
• You may be able to save approximately $190 per year simply by quoting online well ahead of the renewal date

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.