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 prices for a Honda Civic are $1,512 every 12 months for full coverage insurance. Comprehensive costs on average $256 each year, collision insurance costs $626, and liability costs $450. Buying just liability costs as little as $518 a year, and insurance 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 by individual coverage type:

These estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and Civic models.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on insurance rates. Rural areas tend to have more infrequent physical damage claims than larger metro areas. The graphic below illustrates how geographic area affects car insurance rates.

These examples illustrate why all drivers should compare rates based on a specific location and their own driving history, instead of making a decision based on price averages.

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 different risk profiles and scenarios.

• The lowest rate with discounts is $857
• Drivers who choose higher $1,000 deductibles will pay around $198 each year
• The average price for a 40-year-old driver with $500 deductibles is $1,512
• Choosing low deductibles for comprehensive and collision insurance increases the price to $1,908
• Drivers with multiple violations and an at-fault accident could pay upwards of $3,316
• The cost to insure a 16-year-old driver may cost $5,808 a year

View Chart as Image

Auto insurance rates for a Honda Civic can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level of your Civic.

Choosing high deductibles could save up to $600 annually, whereas increasing liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $358 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may pay as low as $1,400 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay upwards of $5,800 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying at a minimum $1,800 to $2,500 in extra premium per year, depending on your age. Insurance for high-risk drivers can cost from 43% to 132% more than average. View High Risk Driver Rates

Where you live makes a big difference in Honda Civic insurance prices. A 40-year-old driver could pay as low as $990 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $2,040 on average in Michigan, New York, and Florida.

View Chart as Image

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 Shop for Cheap Honda Civic Insurance

Saving money on insurance for a Honda Civic not only requires avoiding accidents and violations, but also having a good credit score, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Invest the time to compare rates every couple of years by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The list below is a brief summary of the material that was presented in the illustrations above.

• Insureds who require higher liability limits will pay about $500 annually to go from a minimum limit to a 250/500 level
• Teenagers are charged the highest rates, costing up to $484 per month if comprehensive and collision insurance is included
• Drivers considered higher risk that tend to have accidents or serious violations pay on average $1,800 more each year for car insurance
• Increasing deductibles could save as much as $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.