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 for full coverage. Comprehensive costs on average $256, collision costs $626, and liability costs $450. Liability-only coverage costs as little as $518 a year, with high-risk coverage costing around $3,316. Teen drivers pay the highest rates at $5,808 a year or more.

Average premium for full coverage: $1,512

Price estimates by individual coverage:

Price estimates include $500 policy deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and for different Civic trim levels.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on car insurance rates. Rural areas have a lower frequency of accident claims than larger metro areas.

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

The ranges above show why anyone shopping for car insurance should compare rates based on a specific location and risk profile, instead of using price averages.

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

Additional Rate Details

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

• The lowest rate with discounts is $857
• Drivers who choose higher $1,000 deductibles will pay around $198 a year
• The average rate for the average middle-age driver with $500 deductibles is $1,512
• Choosing more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,908
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $3,316 or more
• The price for full coverage for a teen driver with full coverage may cost $5,808 a year

View Chart as Image

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

An older driver with a good driving record and high deductibles may pay as little as $1,400 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay upwards of $5,800 a year. View Rates by Age

The state you live in makes a big difference in Honda Civic insurance prices. A 40-year-old driver could pay as low as $1,000 a year in states like Idaho, Maine, and Iowa, or as much as $2,160 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles could save up to $600 every year, while increasing your policy's liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $358 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at a minimum $1,800 to $2,500 in extra premium each year, depending on your age. High-risk driver insurance can cost as much as 43% to 132% more than average. View High Risk Driver Rates

Since prices can be so different, the only way to know exactly what you will pay is to compare prices and see which company has the best price. Every company uses a different rate calculation, and quoted prices may be quite different 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 Cheaper Honda Civic Insurance

Getting lower rates on car insurance not only requires being a good driver, but also having good credit, eliminating unnecessary coverage, and taking advantage of discounts. Make time to compare rates at every policy renewal by getting quotes from direct carriers like Progressive and GEICO, and also from your local insurance agents.

The following list is a condensed summary of the data touched on in this article.

• Policyholders who require an increased level of liability coverage will pay about $500 each year to go from a low limit to 250/500 limits
• Drivers can save as much as $190 per year simply by shopping early and online
• Increasing physical damage deductibles can save around $600 each year
• Drivers age 16 to 20 are charged the highest prices, with premiums as much as $484 a month if they have full coverage

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.