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.

The average auto insurance rates for a Honda Civic are $1,512 annually with full coverage. Comprehensive costs an estimated $256 a year, collision costs $626, and liability is $450. A liability-only policy costs around $518 a year, with high-risk insurance costing around $3,316. Teen drivers cost the most to insure at $5,808 a year or more.

Average premium for full coverage: $1,512

Policy rates broken down by type of insurance:

Prices are based on $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and Civic trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. More rural locations are shown to have fewer collision claims than larger metro areas.

The diagram below illustrates the difference between rural and urban areas on insurance prices.

The examples above demonstrate why it is important to compare rates quotes for a targeted area and their own personal driving habits, instead of making a decision based on price averages.

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

Rate Comparisons

The chart below details estimated Honda Civic insurance rates for other coverage scenarios.

• The lowest rate with discounts is $857
• Raising to $1,000 deductibles will save approximately $1,314 annually
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,512
• Choosing low $100 deductibles will cost $1,908
• Drivers with multiple violations and an at-fault accident could pay up to $3,316 or more
• Policy cost with full coverage for a 16-year-old driver can cost as much as $5,808

View Chart as Image

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

Older drivers with no driving violations and high physical damage deductibles may pay as low as $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged at least $5,800 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out $1,800 to $2,500 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $600 annually, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $358 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Honda Civic insurance prices. A middle-age driver might find rates as low as $1,090 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,040 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to get quotes from multiple companies. Every auto insurance company uses a different rate calculation, so rate quotes will be varied between companies.

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 Buy Affordable Honda Civic Insurance

Finding cheaper rates on insurance for a Honda Civic consists of being a low-risk driver, having a good credit score, not filing small claims, and not having any coverage lapses. Set aside time to compare rates at every other renewal by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The items below are a brief review of the concepts that were covered above.

• Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,800 more annually to insure their Civic
• Teen drivers have the highest car insurance rates, as much as $484 each month if comprehensive and collision insurance is included
• You may be able to save approximately $190 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $600 each year
• You may be able to save approximately $190 per year simply by quoting 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.