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 $1,508 annually for full coverage. Comprehensive insurance costs approximately $248 each year, collision insurance costs $610, and liability insurance is estimated at $470. Buying just liability costs approximately $536 a year, and insurance for high-risk drivers costs $3,314 or more. 16-year-old drivers pay the highest rates at up to $5,826 a year.

Average premium for full coverage: $1,508

Price estimates by individual coverage:

Prices include $500 policy deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and Civic models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on car insurance rates. Rural locations have fewer accident claims than congested cities. The graphic below illustrates how location impacts auto insurance prices.

The ranges above show why all drivers should get quotes using their specific location 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 Information

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

• The best full coverage rate is $855
• Choosing higher $1,000 deductibles can save $194 a year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,508
• Buying low deductibles for comp and collision coverage costs an additional $386 a year
• High-risk insureds with multiple tickets or accidents could pay around $3,314
• The price with full coverage for a teen driver can cost $5,826 each year

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Insurance prices for a Honda Civic are also quite variable based on the trim level and model year, your driver profile, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents 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 should be prepared to pay in the ballpark of $5,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying anywhere from $1,800 to $2,500 additional each year, depending on your age. 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 $580 each year, whereas increasing liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $375 more each year. 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 $990 a year in states like Iowa, Maine, and Idaho, or at least $2,150 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 Buy the Right Honda Civic Insurance

Getting lower rates on Honda Civic insurance takes being a good driver, having good credit, eliminating unnecessary coverage, and consideration of higher deductibles. Spend time shopping around at least every other year by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following list is a quick rundown of the car insurance concepts touched on above.

• High-risk drivers with reckless driving or DUI convictions pay on average $1,810 more per year than a safer driver
• Drivers can save around $180 per year just by quoting online in advance
• Increasing physical damage deductibles could save up to $575 each year
• Drivers who purchase an increased level of liability coverage will pay around $520 each year to raise limits from a low limit to higher 250/500 limits

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.