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 rates for a Honda Civic are $1,512 a year including full coverage. Comprehensive costs an estimated $256, collision costs $626, and liability is $450. Liability-only coverage costs around $518 a year, with high-risk coverage 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:

Includes $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and for different Civic trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on the price of auto insurance. More rural locations have lower incidents of comprehensive and collision claims than congested cities.

The price range example below illustrates the difference location can make on insurance prices.

The ranges above highlight why anyone shopping for car insurance should compare rates quotes for a targeted area, instead of using rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $857
• Raising to $1,000 deductibles will save approximately $198 every year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,512
• Buying more expensive low deductibles bumps up the cost to $1,908
• At-risk drivers with multiple tickets or accidents could pay up to $3,316 or more
• The price that insures a teen driver with full coverage can cost as much as $5,808

View Chart as Image

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

If you have some driving violations or you caused an accident, you are likely paying $1,800 to $2,500 in extra premium each year, depending on your age. High-risk driver insurance is expensive and can cost as much as 43% to 132% more than the average rate. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,400 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay at least $5,800 a year. View Rates by Age

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 $1,160 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,160 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can reduce prices by up to $600 every year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $358 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out which car insurance is cheapest is to compare prices and see which company has the best price. 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 Find the Cheapest Honda Civic Insurance

Getting lower rates on car insurance consists of being a low-risk driver, maintaining a good credit score, being claim-free, and qualifying for all possible discounts. Comparison shop at every other renewal by requesting quotes from direct car insurance companies, and also from your local car insurance providers.

The items below are a recap of the concepts that were touched on in this article.

• Higher risk drivers that have major violations or accidents could be charged and average of $1,800 more annually to insure their Civic
• Teen drivers are the costliest to insure, possibly costing $484 a month if the policy includes full coverage
• You may be able to save approximately $190 per year simply by shopping early and online
• Increasing physical damage deductibles can save approximately $600 each year
• You may be able to save approximately $190 per year simply by shopping early and online

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.