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 auto insurance rates for a Honda Civic are $1,518 annually with full coverage. Comprehensive costs around $268 a year, collision insurance costs $630, and liability insurance costs around $440. Liability-only coverage costs as low as $510 a year, and high-risk coverage costs around $3,326. Teens pay the most at up to $5,796 a year.

Average premium for full coverage: $1,518

Premium estimates for type of coverage:

These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and Civic trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on insurance rates. Areas with sparse population are statistically proven to have fewer collision claims than cities with more traffic congestion. The diagram below illustrates how your location can change auto insurance rates.

These rate differences demonstrate why it is important to compare prices for a specific zip code and their own personal driving habits, rather than relying on averaged prices.

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

Additional Rate Information

The chart below details average Honda Civic insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $862
• Using higher $1,000 deductibles will save about $1,316 annually
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,518
• Selecting low $100 deductibles for physical damage coverage will cost $1,920
• Drivers with serious driving violations could pay at least $3,326
• An auto insurance policy with full coverage for a teen driver can be $5,796 or more

View Chart as Image

Insurance prices for a Honda Civic also have a wide range based on the model of your Civic, your driving record, and deductibles and policy limits.

Older drivers with a clean driving record and high physical damage deductibles could pay as little as $1,400 a year, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay as much as $5,700 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out at least $1,800 to $2,500 extra annually, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 132% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $610 each year, while buying higher liability limits will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $351 more per year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Honda Civic insurance rates. A driver around age 40 might see prices as low as $1,090 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $2,050 on average in Florida, Michigan, and New York.

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 Buy Cheap Honda Civic Insurance

Finding better rates on Honda Civic insurance requires being safe and accident-free, having a good credit history, being claim-free, and dropping full coverage on older vehicles. Invest the time to shop around at every other renewal by getting rate quotes from direct companies, and also from local exclusive and independent agents.

Below you'll find a brief summary of the concepts that were illustrated above.

• High-risk drivers that tend to have accidents or serious violations may pay on average $1,810 more every year than a low-risk driver
• Youthful drivers pay higher prices, possibly costing $483 per month including comprehensive and collision insurance
• You may be able to save up to $190 per year just by quoting early and online
• Increasing policy deductibles could save up to $600 each year
• You may be able to save up to $190 per year just by quoting 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.