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 insurance costs approximately $268 each year, collision costs $630, and liability is $440. A liability-only policy costs around $510 a year, with high-risk insurance costing $3,326 or more. 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 by type of insurance:

These estimates include $500 deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and Civic models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on the price of insurance. Rural locations are shown to have fewer collision claims than congested cities.

The graphic below illustrates how your location can change auto insurance prices.

The examples above demonstrate why all drivers should compare rates quotes using their specific location and their own personal driving habits, instead of making a decision based on rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $862
• Raising to $1,000 deductibles will save $202 annually
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,518
• Buying low deductibles costs an additional $402 annually
• Drivers with multiple tickets or accidents could pay around $3,326 or more
• Policy cost with full coverage for a 16-year-old driver can cost $5,796

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

More mature drivers with no driving violations and high physical damage deductibles may pay as low as $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged in the ballpark of $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 anywhere from $1,800 to $2,500 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 132% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce rates by up to $610 annually, whereas increasing liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $351 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Honda Civic insurance prices. A middle-age driver might find rates 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.

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Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to do a rate comparison from multiple companies. Every auto insurance company utilizes a different rate formula, so rate quotes 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 Cheap Honda Civic Insurance

Finding cheaper rates on insurance for a Honda Civic consists of not taking risks behind the wheel, having a good credit score, not filing small claims, and avoiding coverage lapses. Invest the time to shop around at least every other year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following is a brief summary of the car insurance concepts illustrated above.

• Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,810 more per year for Civic insurance
• You may be able to save around $190 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles could save up to $600 each year
• Insureds who purchase higher liability limits will pay around $480 every year to raise from a 30/60 limit to higher 250/500 limits

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.