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 insurance costs approximately $256, collision costs $626, and liability coverage costs $450. A policy with only liability insurance costs as little as $518 a year, with a high-risk policy costing $3,316 or more. Teen drivers pay the most at $5,808 a year or more.

Average premium for full coverage: $1,512

Premium estimates by type of coverage:

Estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and for different Civic trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on the price of insurance. Rural locations are statistically proven to have lower incidents of collision claims than larger metro areas.

The price range example below illustrates how geographic area affects auto insurance prices.

These rate differences demonstrate why anyone shopping for car insurance should compare rates using their specific location, rather than using price averages.

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

More Rate Information

The chart below details estimated Honda Civic insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $857
• Drivers who choose higher $1,000 deductibles will pay $198 annually
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,512
• Choosing more expensive low deductibles for comprehensive and collision insurance will cost an additional $396 each year
• High-risk insureds with multiple violations and an at-fault accident could pay around $3,316 or more
• An auto insurance policy that insures a teenage driver with full coverage can cost $5,808 a year

View Chart as Image

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

If you have a few violations or you caused an accident, you may be forking out anywhere from $1,800 to $2,500 extra annually, depending on your age. High-risk driver insurance can cost around 43% to 132% more than average. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,400 per year on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged in the ballpark of $5,800 a year. View Rates by Age

Where you choose to live makes a big difference in Honda Civic insurance rates. A 40-year-old driver could pay 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 could save up to $600 a year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $358 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to compare prices and see how they stack up. Every company uses a different rate calculation, so rate quotes 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 Low Cost Honda Civic Insurance

Finding better rates on auto insurance not only requires having a decent driving record, but also having a positive credit history, being claim-free, and avoiding coverage lapses. Shop around every time your policy renews by getting rate quotes from direct companies, and also from local insurance agencies.

The following items are a review of the information presented in the illustrations above.

• You may be able to save around $190 per year simply by shopping early and online
• 16 to 18-year-old drivers pay the highest auto insurance prices, possibly costing $484 per month if full coverage is purchased
• Increasing policy deductibles can save approximately $600 each year
• Drivers who have several accidents or serious violations may have to pay on average $1,800 more per year than a driver with a clean driving record
• Consumers who purchase additional liability coverage will pay about $500 every year to go from 30/60 bodily injury limits to the 250/500 level

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.