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 prices for a Honda Civic are $1,512 every 12 months for full coverage. Comprehensive insurance costs approximately $256, collision insurance costs $626, and liability insurance is estimated at $450. A liability-only policy costs approximately $518 a year, and high-risk insurance costs $3,316 or more. Teenage drivers pay the most at up to $5,808 a year.

Average premium for full coverage: $1,512

Premium estimates by type of coverage:

Price estimates include $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and for different Civic trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on car insurance rates. Rural locations are statistically proven to have more infrequent accident claims than densely populated cities. The price range example below illustrates how location helps determine auto insurance prices.

These rate differences show why anyone shopping for car insurance should get quotes using their specific location and their own driving history, rather than relying on average rates.

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

Additional Rate Analysis

The chart below shows average Honda Civic insurance rates for additional coverage and risk scenarios.

• The best discount rate is $857
• Choosing higher $1,000 deductibles can save $198 a year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,512
• Using more expensive low deductibles for comp and collision coverage costs an extra $396 a year
• High-risk insureds who are prone to accidents and violations could pay around $3,316
• An auto insurance policy to insure a teen driver with full coverage can cost $5,808 each year

View Chart as Image

Auto insurance prices for a Honda Civic also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model of your Civic.

Using high physical damage deductibles can save as much as $600 each year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will cost up to $358 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles could pay as little as $1,400 annually on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay in the ballpark of $5,800 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying anywhere from $1,800 to $2,500 in extra premium annually, depending on your age. High-risk driver insurance ranges anywhere from 43% to 132% more than a normal policy. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Honda Civic insurance rates. A good driver about age 40 could pay as low as $1,000 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,160 on average in New York, Louisiana, 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 Cheaper Honda Civic Insurance

Finding better rates on Honda Civic insurance takes being safe and accident-free, having a good credit score, not filing small claims, and possibly higher deductibles. Invest time comparing rates every time your policy renews by getting rate quotes from direct carriers, and also from your local independent and exclusive agents.

Below you'll find a condensed summary of the information covered in the charts and tables above.

• Drivers can save around $190 per year just by shopping early and online
• Youthful drivers have the highest car insurance prices, as much as $484 per month if comprehensive and collision insurance is included
• Increasing policy deductibles could save as much as $600 each year
• High-risk drivers with multiple at-fault accidents may pay on average $1,800 more per year than a low-risk driver
• Drivers who purchase more liability protection will pay an extra $500 each year to raise limits from 30/60 bodily injury limits to a 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.