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 for full coverage insurance. Comprehensive insurance costs an estimated $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 $3,316 or more. Teenage drivers receive the highest rates at up to $5,808 a year.

Average premium for full coverage: $1,512

Rate estimates broken down by individual coverage type:

Prices are based on $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 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 the price of insurance. More rural locations tend to have a lower frequency of physical damage claims than densely populated cities. The price range example below illustrates how location helps determine insurance prices.

These examples illustrate why anyone shopping for car insurance should compare prices for a targeted area 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 illustrates average Honda Civic insurance rates for other coverage scenarios.

• The best discount rate is $857
• Using higher $1,000 deductibles will save approximately $198 each year
• The average rate for a 40-year-old driver who has $500 deductibles is $1,512
• Using more expensive low deductibles for physical damage coverage will cost an extra $396 each year
• Higher-risk drivers who are prone to accidents and violations could pay up to $3,316
• The cost for full coverage for a teenage driver with full coverage can cost as much as $5,808 or more

View Chart as Image

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

An older driver with no violations or accidents and high deductibles may only pay around $1,400 a year for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay at least $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 $990 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,040 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $600 a year, while increasing your policy's liability limits will increase premiums. Switching 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 are probably paying $1,800 to $2,500 additional per year, depending on your age. High-risk driver insurance can be around 43% to 132% more than a normal policy. 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 Affordable Honda Civic Insurance

Saving money on auto insurance requires being a good driver, having a good credit history, avoid buying unnecessary coverage, and possibly raising deductibles. Invest time comparing rates every couple of years by obtaining price quotes from direct insurance companies like GEICO and Progressive, and also from several local insurance agents.

The following list is a brief review of the material that was covered in the charts and tables above.

• Consumers who want an increased level of liability coverage will pay an extra $500 annually to increase from a minimum limit to 250/500 limits
• Drivers age 16 to 20 are expensive to insure, costing up to $484 per month including comprehensive and collision insurance
• Drivers with DUI or reckless driving convictions pay on average $1,800 more annually than a safer driver
• Increasing deductibles can save around $600 each year

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.