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 costs around $256, collision insurance costs $626, and liability is $450. Liability-only coverage costs around $518 a year, and high-risk coverage costs around $3,316. Teenage drivers receive the highest rates at up to $5,808 a year.

Average premium for full coverage: $1,512

Rate estimates for individual coverage type:

Includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. 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 can have significant affects on car insurance rates. Areas with sparse population tend to have lower incidents of physical damage claims than densely populated cities. The price range example below illustrates how where you live affects auto insurance rates.

These examples illustrate why anyone shopping for car insurance should compare rates quotes for a specific zip code, instead of using average rates.

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

Additional Rate Details

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

• The best discount rate is $857
• Raising to $1,000 deductibles will save about $198 each year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,512
• Using more expensive low deductibles bumps up the cost to $1,908
• At-risk drivers who are prone to accidents and violations could pay at least $3,316
• The cost that insures a teen driver with full coverage can be $5,808

View Chart as Image

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

If you like to drive fast or you caused an accident, you are probably paying at least $1,800 to $2,500 extra per year, depending on your age. High-risk driver insurance is expensive and can cost as much as 43% to 132% more than a normal policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,400 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged as much as $5,800 a year. View Rates by Age

Where you live also has a big influence on Honda Civic insurance prices. A middle-age driver might find rates as low as $990 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,040 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $600 every year, while increasing your policy's liability limits will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $358 extra every 12 months. View Rates by Deductible or Liability Limit

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 Cheapest Honda Civic Insurance

Saving money on car insurance consists of avoiding accidents and violations, having a positive credit history, avoid buying unnecessary coverage, and consideration of higher deductibles. Compare prices at every other renewal by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The list below is a recap of the concepts that were touched on in the above illustrations.

• Higher risk drivers that have major violations or accidents could be forced to pay on average $1,800 more every year for car insurance
• Teenagers are the costliest to insure, costing up to $484 per month if full coverage is purchased
• It is possible to save up to $190 per year just by shopping early and online
• Increasing deductibles can save approximately $600 each year
• It is possible to save up to $190 per year just by shopping 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.