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 prices for a Honda Civic are $1,512 every 12 months for full coverage. Comprehensive insurance costs an estimated $256, collision insurance costs $626, and liability costs around $450. Buying just liability costs as low as $518 a year, and insurance for high-risk drivers costs $3,316 or more. Teens receive the highest rates at up to $5,808 a year.

Average premium for full coverage: $1,512

Rate estimates broken down by individual coverage type:

Rate estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and for all Civic models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on insurance rates. More rural locations tend to have more infrequent accident claims than cities with more traffic congestion. The example below illustrates the difference location can make on insurance prices.

These examples show why everyone should compare prices for a targeted area and their own driving history, instead of making a decision based on averaged prices.

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

Additional Rate Details

The chart below shows average Honda Civic insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $857
• Using higher $1,000 deductibles will save approximately $198 a year
• The average price for a 40-year-old driver who has $500 deductibles is $1,512
• Selecting pricier low deductibles for physical damage coverage costs an extra $396 annually
• High-risk insureds with serious driving violations could pay up to $3,316
• The cost to insure a 16-year-old driver for full coverage can cost as much as $5,808 or more

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Auto insurance rates for a Honda Civic can also vary considerably based on policy deductibles and limits, your driver profile, and the model year and trim level.

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

A more mature driver with a good driving record and higher deductibles may pay as low as $1,400 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay at least $5,800 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying $1,800 to $2,500 in extra premium per year, depending on your age. Honda Civic insurance for high-risk drivers can be from 43% to 132% more than the average policy. View High Risk Driver Rates

Where you live has a huge impact on Honda Civic insurance prices. A driver around age 40 might see rates as low as $1,000 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,160 on average in New York, Louisiana, and Michigan.

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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 Shop for the Best Honda Civic Insurance

Saving money on insurance for a Honda Civic requires being a safe and courteous driver, having a good credit score, eliminating unneeded coverage, and consideration of higher deductibles. Make time to compare rates every other policy renewal by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below is a brief recap of the ideas that were touched on in this article.

• Teenage drivers are the costliest to insure, costing as high as $484 per month if comprehensive and collision insurance is included
• Drivers considered higher risk who tend to receive serious violations pay on average $1,800 more annually for auto insurance
• Increasing deductibles could save as much as $600 each year
• Drivers can save approximately $190 per year just 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.