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 prices for a Honda Civic are $1,512 every 12 months with full coverage. Comprehensive insurance costs approximately $256 each year, collision costs $626, and liability is $450. Liability-only coverage costs around $518 a year, with high-risk coverage costing $3,316 or more. 16-year-old drivers pay the highest rates at $5,808 a year or more.

Average premium for full coverage: $1,512

Price estimates by individual coverage:

Estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and Civic models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on the price of insurance. Rural locations have more infrequent collision claims than congested cities.

The graphic below illustrates the effect of geographic area on auto insurance prices.

The ranges above demonstrate why all drivers should compare rates quotes using their specific location and their own driving history, instead of making a decision based on rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $857
• Raising to $1,000 deductibles will save $198 annually
• The average price for the average middle-age driver who chooses $500 deductibles is $1,512
• Buying low deductibles costs an extra $396 annually
• Drivers with multiple tickets or accidents could pay around $3,316 or more
• The price to insure a 16-year-old driver can cost $5,808

View Chart as Image

Auto insurance prices for a Honda Civic are also quite variable based on deductibles and policy limits, your driving record, and the model of your Civic.

Opting for high physical damage deductibles can reduce prices by up to $600 annually, whereas increasing liability limits will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $358 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may pay as low as $1,400 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay in the ballpark of $5,800 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out anywhere from $1,800 to $2,500 in extra premium each year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 132% more than the average rate. View High Risk Driver Rates

The state you live in also has a big influence on Honda Civic insurance prices. A middle-age driver might find prices 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 who has the cheapest auto insurance prices is to do a rate comparison from multiple companies. Every auto insurance company utilizes a different rate formula, and quoted prices may be quite 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 Shop for Low Cost Honda Civic Insurance

Getting lower rates on insurance for a Honda Civic consists of having a decent driving record, having a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Take the time to compare rates at every other renewal by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following items are a review of the concepts that were covered in the above illustrations.

• Drivers considered higher risk who have several accidents or serious violations could be forced to pay on average $1,800 more per year 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 around $190 per year simply by quoting online in advance
• Increasing physical damage deductibles could save as much as $600 each year
• You may be able to save around $190 per year simply by quoting online in advance

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.