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.

U.S. average insurance rates for a Honda Civic are $1,518 a year for full coverage. Comprehensive insurance costs approximately $268, collision insurance costs $630, and liability insurance is $440. Liability-only coverage costs around $510 a year, and high-risk coverage costs $3,326 or more. Teens pay the highest rates at up to $5,796 a year.

Average premium for full coverage: $1,518

Price estimates by individual coverage:

Full coverage includes $500 deductible amounts, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and for different Civic trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on car insurance rates. Rural locations have lower incidents of accident claims than cities with more traffic congestion. The price range example below illustrates the difference location can make on auto insurance prices.

The ranges above show why anyone shopping for car insurance should compare rates quotes using their specific location, rather than relying on averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $862
• Raising to $1,000 deductibles will save $202 a year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,518
• Selecting more expensive low deductibles will cost an additional $402 a year
• Higher-risk drivers with serious driving violations could pay around $3,326
• The price that insures a teen driver with full coverage can cost $5,796

View Chart as Image

Auto insurance prices for a Honda Civic are also quite variable based on the model year and trim level, how you drive, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you could be paying anywhere from $1,800 to $2,500 in extra premium each year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 132% more than the average policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,400 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay in the ballpark of $5,700 a year. View Rates by Age

The state you live in also has a big influence on Honda Civic insurance rates. A middle-age driver might find prices as low as $1,000 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,170 on average in New York, Louisiana, and Michigan.

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Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $610 each year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $351 extra every year. View Rates by Deductible or Liability Limit

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 More Affordable Honda Civic Insurance

Getting lower rates on Honda Civic insurance consists of having a good driving record, maintaining a good credit score, eliminating unnecessary coverage, and possibly higher deductibles. Compare rates every other policy renewal by getting rate quotes from direct carriers, and also from insurance agencies where you live.

The next list is a summary of the ideas that were touched on in this article.

• Drivers age 20 and younger have the highest car insurance prices, with premiums as much as $483 a month if the policy includes full coverage
• High-risk drivers who have multiple accidents or major violations could be forced to pay on average $1,810 more per year to buy Honda Civic insurance
• Increasing physical damage deductibles can save approximately $600 each year
• Drivers can save around $190 per year just by shopping early and online

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.