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.

The average insurance prices for a Honda Civic are $1,512 every 12 months for full coverage insurance. Comprehensive costs around $256, collision insurance costs $626, and liability costs $450. Liability-only insurance costs as little as $518 a year, and high-risk driver insurance costs around $3,316. Teenage drivers cost the most to insure at up to $5,808 a year.

Average premium for full coverage: $1,512

Policy rates for type of insurance:

Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and for all Civic models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on car insurance rates. Areas with sparse population are shown to have more infrequent physical damage claims than densely populated cities. The example below illustrates how where you live affects auto insurance rates.

The examples above illustrate why everyone should compare rates for a specific zip code and their own driving history, instead of making a decision based on average rates.

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

Additional Charts and Tables

The chart below illustrates average Honda Civic insurance rates for additional coverage choices and driver risks.

• The best discount rate is $857
• Drivers who choose higher $1,000 deductibles will pay about $198 each year
• The average price for a good driver age 40 using $500 deductibles is $1,512
• Using pricier low deductibles for comprehensive and collision insurance increases the price to $1,908
• Drivers who are prone to accidents and violations could pay at least $3,316
• Policy cost to insure a 16-year-old driver for full coverage can be $5,808 a year

View Chart as Image

Auto insurance rates for a Honda Civic also range considerably based on liability limits and deductibles, your risk profile, and the trim level and model year.

Using high physical damage deductibles could save up to $600 annually, whereas buying more liability protection will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $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 per year on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay as much as $5,800 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying at least $1,800 to $2,500 in extra premium every year, depending on your age. Honda Civic insurance for high-risk drivers can cost from 43% to 132% more than a normal policy. View High Risk Driver Rates

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

View Chart as Image

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 Affordable Honda Civic Insurance

Finding cheaper rates on insurance for a Honda Civic not only requires avoiding accidents and claims, but also having a good credit score, being claim-free, and possibly raising deductibles. Take the time to comparison shop every time your policy renews by requesting quotes from direct insurance companies, and also from your local independent and exclusive agents.

The points below are a brief review of the information touched on in the above illustrations.

• It is possible to save up to $190 per year just by quoting online well ahead of the renewal date
• Drivers under the age of 20 are expensive to insure, possibly costing $484 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles could save as much as $600 each year
• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,800 more every year to insure a Honda Civic
• Insureds who may need increased liability limits will pay an extra $500 annually to go from a 30/60 limit to a 250/500 level

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.