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 insurance rates for a Honda Civic are $1,518 a year for full coverage. Comprehensive insurance costs an estimated $268 a year, collision costs $630, and liability insurance costs $440. A liability-only policy costs as little as $510 a year, with high-risk insurance costing $3,326 or more. 16-year-old drivers cost the most to insure at $5,796 a year or more.

Average premium for full coverage: $1,518

Policy rates broken down by type of insurance:

Rate estimates include $500 deductible amounts, minimum liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all states and Civic trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on insurance rates. More rural locations are shown to have a lower frequency of accident claims than congested cities.

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

The examples above show why it is important to compare rates for a targeted area and risk profile, rather than relying on rate averages.

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

Rates by State, City, and Model

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

• The best full coverage rate is $862
• Drivers who choose higher $1,000 deductibles will pay approximately $1,316 a year
• The average rate for a good driver age 40 who has $500 deductibles is $1,518
• Buying low $100 deductibles for comprehensive and collision insurance will cost an extra $402 a year
• High risk drivers with multiple tickets or accidents could pay up to $3,326 or more
• Policy cost for full coverage for a teen driver can cost as much as $5,796 a year

View Chart as Image

Car insurance rates for a Honda Civic also range considerably based on your risk profile, the trim level of your Civic, and liability limits and deductibles.

Older drivers with no driving violations and high deductibles could pay as little as $1,400 per year on average, or $117 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged at least $5,700 a year. View Rates by Age

Your home state makes a big difference in Honda Civic insurance rates. A 40-year-old driver could pay as low as $1,000 a year in states like Iowa, Maine, and Idaho, or at least $2,170 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could save up to $610 each year, while buying higher liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $351 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying $1,800 to $2,500 extra every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 132% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the only way to know which auto insurance is cheapest is to get quotes from as many companies as possible. Every company utilizes a different rate formula, so rate quotes will be varied 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 the Best Honda Civic Insurance

Finding cheaper rates on Honda Civic insurance not only requires having a good driving record, but also having above-average credit, avoid buying unnecessary coverage, and not having any coverage lapses. Set aside time to compare rates every couple of years by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The next list is a brief recap of the material that was covered above.

• Drivers who want increased levels of liability coverage will pay around $480 each year to go from a 30/60 limit to 250/500 limits
• Drivers age 20 and younger have the highest car insurance rates, costing up to $483 each month if full coverage is included
• High-risk drivers who tend to receive serious violations pay an average of $1,810 more annually to buy Honda Civic insurance
• Increasing comprehensive and collision deductibles can save around $600 each year

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.