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 an estimated $256, collision costs $626, and liability is estimated at $450. A liability-only policy costs approximately $518 a year, with high-risk insurance costing $3,316 or more. Teenage drivers receive the highest rates at $5,808 a year or more.

Average premium for full coverage: $1,512

Rate estimates broken down by individual coverage type:

Prices are based on $500 policy deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and for all Civic models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on the price of insurance. More rural locations tend to have a lower frequency of physical damage claims than densely populated cities.

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

These examples illustrate why everyone should get quotes for a targeted area and risk profile, instead of using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $857
• Choosing higher $1,000 deductibles can save approximately $198 each year
• The average rate for a 40-year-old driver who has $500 deductibles is $1,512
• Using pricier low deductibles for comp and collision coverage will cost an extra $396 every year
• Unlucky drivers who are prone to accidents and violations could pay up to $3,316 or more
• The cost for full coverage for a teen driver for full coverage can cost as much as $5,808 each year

View Chart as Image

Insurance rates for a Honda Civic can also vary considerably based on your driver profile, the model year and trim level, and liability limits and deductibles.

A more mature driver with a clean driving record and high deductibles may pay as little as $1,400 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay at least $5,800 a year. View Rates by Age

Where you live plays a big part in determining prices for Honda Civic insurance prices. A good driver about age 40 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

Using high physical damage deductibles can save as much as $600 every year, whereas buying more liability protection will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost as much as $358 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying $1,800 to $2,500 extra per year, depending on your age. Honda Civic insurance for high-risk drivers ranges as much as 43% to 132% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the only way to figure out which company is cheapest is to regularly compare rates and see which company has the best rate. Each auto insurer uses a different method to calculate rates, so the rates can be significantly different from one company to the next.

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 Affordable Honda Civic Insurance

Saving money on car insurance takes being safe and accident-free, maintaining good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Set aside time to compare rates at least every other year by obtaining price quotes from direct insurance companies like GEICO and Progressive, and also from several local insurance agents.

Below you'll find a brief review of the car insurance concepts covered above.

• Higher risk drivers with DUI or reckless driving convictions pay on average $1,800 more annually than a low-risk driver
• It is possible to save approximately $190 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles can save around $600 each year
• Policyholders who want more liability protection will pay an extra $500 annually to raise limits from a minimum limit to 250/500 limits

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.