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 an estimated $268 a year, collision insurance costs $630, and liability insurance is $440. A liability-only policy costs around $510 a year, and high-risk insurance costs $3,326 or more. Teens cost the most to insure at up to $5,796 a year.

Average premium for full coverage: $1,518

Policy rates broken down by type of insurance:

Prices are based on $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and Civic trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on car insurance rates. More rural locations are shown to have fewer collision claims than cities with more traffic congestion. The diagram below illustrates how rural and urban location affects insurance prices.

The examples above demonstrate why it is important to compare rates quotes for a targeted area and their own personal driving habits, rather than relying on averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $862
• Raising to $1,000 deductibles will save approximately $1,316 annually
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,518
• Selecting low $100 deductibles costs an additional $402 a year
• Higher-risk drivers with serious driving violations could pay up to $3,326
• Policy cost with full coverage for a teen driver can cost as much as $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 liability limits and deductibles.

Older drivers with no driving violations and high physical damage deductibles could pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged 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. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 132% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $610 each year, while buying higher 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 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Honda Civic insurance rates. A middle-age driver might find rates as low as $1,090 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $2,050 on average in New York, Michigan, and Florida.

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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 Affordable Honda Civic Insurance

Finding cheaper rates on Honda Civic insurance consists of having a decent driving record, having a good credit score, not filing small claims, and possibly higher deductibles. Set aside time to shop around every year by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following items are a brief review of the coverage data raised in the charts and tables above.

• You may be able to save approximately $190 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $600 each year
• 16 to 18-year-old drivers have the highest car insurance rates, as much as $483 each month if comprehensive and collision insurance is included
• High-risk drivers with DUI or reckless driving convictions pay on average $1,810 more annually than a driver with a clean driving record

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.