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 rates for a Honda Civic are $1,512 a year with full coverage. Comprehensive costs an estimated $256 each year, collision costs $626, and liability insurance is $450. Liability-only insurance costs around $518 a year, with high-risk driver insurance costing around $3,316. Teen drivers pay the most at $5,808 a year or more.

Average premium for full coverage: $1,512

Premium estimates broken down by type of coverage:

Full coverage includes $500 policy deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all U.S. states and Civic models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on car insurance rates. More rural locations are statistically proven to have lower incidents of collision claims than larger metro areas.

The graphic below illustrates the effect of geographic area on insurance prices.

These rate differences demonstrate why all drivers should compare rates quotes for a targeted area, rather than relying on price averages.

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

More Rate Details

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

• The lowest rate with discounts is $857
• Raising to $1,000 deductibles will save approximately $198 annually
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,512
• Choosing low deductibles bumps up the cost to $1,908
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $3,316 or more
• An auto insurance policy that insures a teen driver can cost as much as $5,808

View Chart as Image

Insurance prices for a Honda Civic also have a wide range based on the trim level and model year, your age and driving habits, and liability limits and deductibles.

If you have a few violations or you caused an accident, you may be forking out $1,800 to $2,500 additional annually, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 132% more than average. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay at least $5,800 a year. View Rates by Age

Where you choose to live also has a big influence on Honda Civic insurance rates. A middle-age driver might find prices as low as $1,090 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,040 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles can reduce prices by up to $600 each year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $358 more each year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out which insurance company is cheapest is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different rate calculation, and prices will be substantially different.

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 More Affordable Honda Civic Insurance

Finding better rates on Honda Civic insurance consists of avoiding accidents and claims, having a good credit score, being claim-free, and maximizing policy discounts. Shop around at least once a year by getting quotes from direct companies, and also from insurance agencies where you live.

The points below are a summary of the primary concepts that were covered in the above illustrations.

• You may be able to save approximately $190 per year simply by quoting online in advance
• High-risk drivers who have multiple accidents or major violations could be forced to pay on average $1,800 more annually to insure a Honda Civic
• Increasing policy deductibles can save approximately $600 each year
• Drivers under the age of 20 are expensive to insure, possibly costing $484 per month if comprehensive and collision insurance is included

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.