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 approximately $256 each year, collision insurance costs $626, and liability costs $450. Liability-only coverage costs as little as $518 a year, and high-risk coverage costs $3,316 or more. Teens receive the highest rates at up to $5,808 a year.

Average premium for full coverage: $1,512

Rate estimates by individual coverage type:

Rate estimates include $500 physical damage deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and Civic models.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on the price of auto insurance. Rural locations tend to have lower incidents of physical damage claims than cities with more traffic congestion. The graphic below illustrates how geographic area affects auto insurance prices.

These examples illustrate why all drivers should compare rates using their specific location, instead of using averaged prices.

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

Additional Rate Details

The chart below illustrates average Honda Civic insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $857
• Drivers who choose higher $1,000 deductibles will pay $198 each year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,512
• Selecting low deductibles for comprehensive and collision insurance will cost an additional $396 every year
• Higher-risk drivers with serious driving violations could pay around $3,316
• The cost that insures a teen driver can cost $5,808 a year

View Chart as Image

Car insurance rates for a Honda Civic can also vary considerably based on the trim level and model year, your age and driving record, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you are probably paying anywhere from $1,800 to $2,500 extra per year, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 132% more than the average policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,400 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged in the ballpark of $5,800 a year. View Rates by Age

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 North Carolina, Wisconsin, and Vermont, or have to pay at least $2,040 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $600 every year, whereas increasing liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $358 extra every 12 months. View Rates by Deductible or Liability Limit

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 Best Honda Civic Insurance

Saving money on car insurance not only requires being a safe and courteous driver, but also having a positive credit history, avoid buying unnecessary coverage, and attention to physical damage deductibles. Compare rates once a year by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

Below is a brief recap of the data that was presented in the illustrations above.

• It is possible to save around $190 per year just by quoting online in advance
• Policyholders who purchase higher levels of liability will pay approximately $500 annually to go from a minimum limit to the 250/500 level
• Teenage drivers pay the highest auto insurance rates, costing up to $484 per month if full coverage is purchased
• Higher risk drivers who tend to receive serious violations could be charged and average of $1,800 more per year for auto insurance

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.