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 insurance rates for a Honda Civic are $1,512 a year with full coverage. Comprehensive costs around $256, collision insurance costs $626, and liability coverage costs around $450. A policy with just liability insurance costs as low as $518 a year, and coverage for high-risk drivers costs around $3,316. Teen drivers receive the highest rates at up to $5,808 a year.

Average premium for full coverage: $1,512

Rate estimates for individual coverage type:

Full coverage includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist 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 has a large influence on insurance rates. Areas with sparse population tend to have a lower frequency of collision claims than larger metro areas. The price range example below illustrates the difference location can make on auto insurance rates.

These examples demonstrate why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, rather than using price averages.

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

Additional Charts and Tables

The chart below details average Honda Civic insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $857
• Using higher $1,000 deductibles will save about $198 annually
• The average rate for a 40-year-old driver using $500 deductibles is $1,512
• Choosing more expensive low deductibles for physical damage coverage will increase the cost to $1,908
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,316
• The cost for full coverage for a teenage driver with full coverage can be $5,808 or more

View Chart as Image

Insurance rates for a Honda Civic can also vary considerably based on your driver profile, the trim level and model year, and deductibles and policy limits.

An older driver with no violations or accidents and high deductibles may only pay around $1,400 a year for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay as much as $5,800 a year. View Rates by Age

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

View Chart as Image

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

If you like to drive fast or tend to cause accidents, you may be forking out at least $1,800 to $2,500 additional per year, depending on your age. High-risk driver insurance can be around 43% to 132% more than average. View High Risk Driver Rates

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 More Affordable Honda Civic Insurance

Saving money on auto insurance requires being a good driver, having a good credit history, eliminating unnecessary coverage, and deciding if full coverage is necessary. Make time to compare rates every other policy renewal by getting quotes from direct companies like GEICO and Progressive, and also from local independent and exclusive agents.

The following list is a summary of the ideas that were touched on in this article.

• Drivers age 16 to 20 are charged the highest rates, with premiums as much as $484 per month including comprehensive and collision insurance
• Drivers who have multiple accidents or major violations pay an average of $1,800 more every year than a safer driver
• Increasing deductibles can save around $600 each year
• You may be able to save up to $190 per year just 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.