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 auto insurance rates for a Honda Civic are $1,508 annually for full coverage insurance. Comprehensive costs around $248, collision costs $610, and liability coverage is $470. A policy with just liability insurance costs around $536 a year, with coverage for high-risk drivers costing around $3,314. Teen drivers receive the highest rates at $5,826 a year or more.

Average premium for full coverage: $1,508

Rate estimates for individual coverage type:

Prices include $500 comprehensive and collision deductibles, liability limits of 30/60, 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

Choosing to live in a large city has a large influence on car insurance rates. Areas with sparse population tend to have fewer physical damage claims than larger metro areas.

The price range example below illustrates how rural and urban location affects auto insurance rates.

These examples illustrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own personal driving habits, rather than using price averages.

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

Rates by State, City, and Model

The chart below illustrates estimated Honda Civic insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $855
• Raising to $1,000 deductibles will save about $194 each year
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,508
• Choosing more expensive low deductibles will cost $1,894
• Unlucky drivers with multiple violations and an at-fault accident could pay at least $3,314 or more
• The cost with full coverage for a teenage driver with full coverage can be $5,826

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

An older driver with no violations or accidents and high physical damage deductibles may only pay around $1,400 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay as much as $5,800 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying at least $1,800 to $2,500 additional per year, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $580 a year, while increasing your policy's liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $375 more each year. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Honda Civic insurance rates. A middle-age driver might find rates as low as $990 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $2,030 on average in Michigan, New York, and Florida.

View Chart as Image

With so much variability in rates, the only way to figure out your exact price is to compare rates and see how they stack up. Every auto insurance company uses a different rate calculation, and rates can be significantly different 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 the Right Honda Civic Insurance

Saving money on auto insurance consists of having a decent driving record, having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Set aside time to shop around once a year by getting quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

The following items are a quick rundown of the data that was raised in the charts and tables above.

• It is possible to save up to $180 per year simply by shopping early and online
• Consumers who may need additional liability coverage will pay about $520 annually to raise from a minimum limit to higher 250/500 limits
• 16 to 18-year-old drivers are charged the highest rates, costing up to $486 per month if they have full coverage
• Drivers with reckless driving or DUI convictions pay on average $1,810 more every year than a driver with a clean driving record

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.