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 prices for a Honda Civic are $1,512 every 12 months including full coverage. Comprehensive insurance costs an estimated $256, collision insurance costs $626, and liability coverage costs $450. Liability-only coverage costs as little as $518 a year, and high-risk coverage costs $3,316 or more. Teenage drivers cost the most to insure at up to $5,808 a year.

Average premium for full coverage: $1,512

Policy rates broken down by type of insurance:

Prices are based on $500 policy deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and for all Civic models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than densely populated cities. The example below illustrates how where you live affects insurance prices.

The examples above highlight why everyone should compare rates for a targeted area and their own driving history, rather than using average rates.

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

Rates by State, City, and Model

The chart below breaks down average Honda Civic insurance rates for other coverage scenarios.

• The best discount rate is $857
• Drivers who choose higher $1,000 deductibles will pay approximately $198 every year
• The average price for a good driver age 40 who has $500 deductibles is $1,512
• Using pricier low deductibles for comprehensive and collision insurance costs an extra $396 each year
• High-risk insureds who are prone to accidents and violations could pay up to $3,316
• Policy cost to insure a teenage driver for full coverage can cost as much as $5,808 a year

View Chart as Image

Insurance rates for a Honda Civic also range considerably based on liability limits and deductibles, your driving characteristics, and the model year and trim level.

Using high physical damage deductibles could save up to $600 a year, whereas buying more liability protection will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $358 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may only pay around $1,400 per year on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay at least $5,800 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying $1,800 to $2,500 additional every year, depending on your age. Honda Civic insurance for high-risk drivers can cost around 43% to 132% more than a normal policy. View High Risk Driver Rates

Your home state makes a big difference in Honda Civic insurance rates. A 40-year-old driver could pay as low as $1,160 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,160 on average in Louisiana, New York, and Michigan.

View Chart as Image

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 Shop for Affordable Honda Civic Insurance

Finding cheaper rates on auto insurance not only requires being safe and accident-free, but also having above-average credit, paying for small claims out-of-pocket, and possibly raising deductibles. Take the time to comparison shop at least once a year by requesting quotes from direct car insurance companies, and also from local insurance agencies.

Below you'll find a brief review of the primary concepts that were touched on in the above illustrations.

• You may be able to save approximately $190 per year just by quoting online well ahead of the renewal date
• Drivers with DUI or reckless driving convictions may have to pay on average $1,800 more annually than a low-risk driver
• Increasing comprehensive and collision deductibles could save as much as $600 each year
• Youthful drivers are expensive to insure, with premiums being up to $484 each month if full coverage 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.