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 rates for a Honda Civic are $1,512 a year including full coverage. Comprehensive costs on average $256, collision costs $626, and liability coverage is $450. Liability-only coverage costs around $518 a year, with high-risk coverage costing around $3,316. Teenage drivers cost the most to insure at $5,808 a year or more.

Average premium for full coverage: $1,512

Policy rates by type of insurance:

Prices include $500 policy deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and for all Civic models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than densely populated cities.

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

The examples above highlight why everyone should compare rates quotes based on a specific location and risk profile, rather than using average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $857
• Raising to $1,000 deductibles will save around $198 every year
• The average rate for a good driver age 40 with $500 deductibles is $1,512
• Using pricier low deductibles will increase the cost to $1,908
• Unlucky drivers who are prone to accidents and violations could pay upwards of $3,316 or more
• Policy cost for full coverage for a teenage driver for full coverage may cost $5,808

View Chart as Image

Insurance rates for a Honda Civic also range considerably based on your risk profile, the model of your Civic, and policy deductibles and limits.

A more mature driver with no violations or accidents and high deductibles may only pay around $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay upwards of $5,800 a year. View Rates by Age

Your home state also has a big influence on Honda Civic insurance rates. A middle-age driver might find rates as low as $1,160 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,160 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $600 a year, whereas buying more liability protection will cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $358 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at a minimum $1,800 to $2,500 additional every year, depending on your age. Honda Civic insurance for high-risk drivers is expensive and can cost around 43% to 132% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out exactly what you will pay is to regularly compare rates and see how they stack up. Every auto insurance company uses a different method to calculate rates, and rates will be varied from one company to the next.

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 Right Honda Civic Insurance

Finding cheaper rates on auto insurance consists of being a good driver, having a good credit history, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Invest time comparing rates at every other renewal by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following list is a quick rundown of the concepts that were covered in the charts and tables above.

• Drivers with reckless driving or DUI convictions may pay on average $1,800 more each year than a safer driver
• Drivers age 16 to 20 pay higher rates, with premiums being up to $484 each month including comprehensive and collision insurance
• You may be able to save as much as $190 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $600 each year
• You may be able to save as much as $190 per year simply by quoting online well ahead of the renewal date

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.