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 auto insurance rates for a Honda Civic are $1,512 annually with full coverage. Comprehensive insurance costs on average $256, collision costs $626, and liability costs around $450. A policy with just liability insurance costs as low as $518 a year, with coverage for high-risk drivers costing $3,316 or more. Teenage drivers receive the highest rates at $5,808 a year or more.

Average premium for full coverage: $1,512

Rate estimates by individual coverage type:

Rate estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and for different Civic trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on auto insurance rates. Rural areas tend to have fewer collision claims than densely populated cities.

The price range example below illustrates how location helps determine car insurance rates.

These examples demonstrate why anyone shopping for car insurance should compare prices based on a specific location and their own personal driving habits, instead of making a decision based on average rates.

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

Rate Comparisons

The chart below details estimated Honda Civic insurance rates for different risk profiles and scenarios.

• The best discount rate is $857
• Using higher $1,000 deductibles will save around $198 annually
• The estimated rate for a 40-year-old driver with $500 deductibles is $1,512
• Using more expensive low deductibles for physical damage coverage costs an additional $396 annually
• High-risk insureds who are prone to accidents and violations could pay upwards of $3,316 or more
• The cost with full coverage for a 16-year-old driver with full coverage may cost $5,808 or more

View Chart as Image

Insurance rates for a Honda Civic can also vary considerably based on the trim level of your Civic, your driving record, and policy deductibles and limits.

An older driver with no violations or accidents and high physical damage deductibles may pay as low as $1,400 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay upwards of $5,800 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out at a minimum $1,800 to $2,500 additional per year, depending on your age. High-risk driver insurance can be from 43% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $600 annually, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $358 more each year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Honda Civic insurance prices. A driver around age 40 might see rates as low as $1,090 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,040 on average in Florida, Michigan, and New York.

View Chart as Image

With so much variability in rates, the best way to find out exactly what you will pay is to compare rates from multiple companies. Each insurance company uses a different method to calculate rates, and rates can be significantly different between companies.

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 Best Honda Civic Insurance

Saving money on insurance for a Honda Civic requires being a low-risk driver, having good credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Invest time comparing rates at least every other year by requesting rates from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.

The items below are a brief recap of the car insurance concepts covered in the charts and tables above.

• Drivers considered higher risk who tend to receive serious violations pay an average of $1,800 more each year to insure their Civic
• You may be able to save as much as $190 per year simply by shopping early and online
• Increasing deductibles could save up to $600 each year
• Insureds who require more liability coverage will pay an extra $500 every year to increase from a minimum 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.