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.

Estimated insurance prices for a Honda Civic are $1,512 every 12 months for full coverage insurance. Comprehensive costs an estimated $256 a year, collision insurance costs $626, and liability coverage costs $450. Liability-only coverage costs as little as $518 a year, and high-risk coverage costs around $3,316. Teenage drivers pay the most at up to $5,808 a year.

Average premium for full coverage: $1,512

Premium estimates broken down by type of coverage:

These estimates include $500 deductible amounts, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and Civic trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on the price of insurance. More rural locations are statistically proven to have more infrequent physical damage claims than densely populated cities. The diagram below illustrates how geographic area affects insurance prices.

These rate differences illustrate why it is important to compare rates for a targeted area and their own driving history, rather than using average rates.

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

Rate Comparisons

The chart below illustrates average Honda Civic insurance rates for other coverage scenarios.

• The best discount rate is $857
• Drivers who choose higher $1,000 deductibles will pay approximately $1,314 each year
• The average price for a 40-year-old good driver who has $500 deductibles is $1,512
• Using low $100 deductibles for comprehensive and collision insurance increases the price to $1,908
• High-risk insureds who are prone to accidents and violations could pay up to $3,316
• An auto insurance policy to insure a teenage driver can cost as much as $5,808 a year

View Chart as Image

Insurance prices for a Honda Civic also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model year and trim level.

Using high physical damage deductibles could save up to $600 a year, while buying higher liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $358 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may only pay around $1,400 per year on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay at least $5,800 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying $1,800 to $2,500 extra annually, depending on your age. A high-risk auto insurance policy can cost around 43% to 132% more than a normal policy. View High Risk Driver Rates

Where you choose to live makes a big difference in Honda Civic insurance rates. A 40-year-old driver could pay 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

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

Finding better rates on auto insurance not only requires having a good driving record, but also having good credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Invest the time to compare rates at every policy renewal by quoting rates from direct insurance companies, and also from insurance agencies where you live.

The next list is a brief summary of the data presented in the illustrations above.

• Consumers who want increased levels of liability coverage will pay an extra $500 annually to go from 30/60 bodily injury limits to a 250/500 level
• It is possible to save approximately $190 per year just by quoting early and online
• Increasing policy deductibles could save as much as $600 each year
• Drivers age 20 and younger are charged the highest prices, with premiums being up to $484 per month if they have full coverage

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.