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 auto insurance rates for a Honda Civic are $1,518 annually with full coverage. Comprehensive costs an estimated $268 each year, collision costs $630, and liability insurance is estimated at $440. Buying just liability costs approximately $510 a year, with insurance for high-risk drivers costing around $3,326. 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:

Estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and Civic models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance rates. More rural locations are shown to have fewer collision claims than congested cities.

The graphic below illustrates how location impacts insurance prices.

The examples above demonstrate why all drivers should get quotes for a targeted area and their own personal driving habits, rather than relying on rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $862
• Choosing higher $1,000 deductibles can save approximately $202 annually
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,518
• Buying low deductibles for comp and collision coverage will cost $1,920
• High-risk insureds with multiple tickets or accidents could pay up to $3,326 or more
• Policy cost with full coverage for a teen driver can cost as much as $5,796 each year

View Chart as Image

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

More mature drivers with a clean driving record and high physical damage deductibles could pay as little as $1,400 annually on average, or $117 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay at least $5,700 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out $1,800 to $2,500 extra every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 132% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $610 each year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $351 more per year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Honda Civic insurance rates. A good driver about age 40 could pay as low as $1,090 a year in states like Utah, Ohio, and New Hampshire, or at least $2,050 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to do a rate comparison from as many companies as possible. Each auto insurer utilizes a different rate formula, so the rates will be varied between companies.

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 Buy Low Cost Honda Civic Insurance

Finding cheaper rates on Honda Civic insurance takes being a low-risk driver, having a good credit history, not filing small claims, and taking advantage of discounts. Spend time shopping around every couple of years by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The items below are a review of the material that was touched on above.

• Drivers who want more liability coverage will pay around $480 every year to raise limits from a 30/60 limit to higher 250/500 limits
• Teen drivers are charged the highest rates, as much as $483 each month including comprehensive and collision insurance
• High-risk drivers who have several accidents or serious violations pay on average $1,810 more annually to insure their Civic
• Increasing comprehensive and collision deductibles could save up to $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.