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 $1,512 annually for full coverage. Comprehensive insurance costs an estimated $256, collision costs $626, and liability costs around $450. Buying just liability costs as low as $518 a year, with insurance for high-risk drivers costing $3,316 or more. Teens cost the most to insure at $5,808 a year or more.

Average premium for full coverage: $1,512

Policy rates broken down by type of insurance:

Prices are based on $500 policy deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and for different Civic trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on insurance rates. More rural locations are shown to have fewer accident claims than cities with more traffic congestion.

The price range example below illustrates how location impacts insurance prices.

The examples above show why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, instead of making a decision based on averaged prices.

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

Additional Charts and Tables

The chart below shows estimated Honda Civic insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $857
• Using higher $1,000 deductibles will save approximately $198 a year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,512
• Selecting more expensive low deductibles for physical damage coverage costs an additional $396 annually
• High-risk insureds with serious driving violations could pay up to $3,316 or more
• Policy cost with full coverage for a 16-year-old driver with full coverage can cost as much as $5,808 or more

View Chart as Image

Insurance rates for a Honda Civic also range considerably based on the model year and trim level, your driver profile, and liability limits and deductibles.

An older driver with a clean driving record and high physical damage deductibles may pay as low as $1,400 a year, or $117 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay at least $5,800 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying $1,800 to $2,500 extra every year, depending on your age. High-risk driver insurance can be from 43% to 132% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $600 annually, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $358 more per year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Honda Civic insurance prices. A driver around age 40 might see rates as low as $1,000 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,160 on average in New York, Louisiana, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to know which auto insurance is cheapest is to compare rates from multiple companies. Each insurance company calculates rates differently, so the rates 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 Affordable Honda Civic Insurance

Finding cheaper rates on insurance for a Honda Civic requires being safe and accident-free, having a good credit history, avoid buying unnecessary coverage, and taking advantage of discounts. Spend time shopping around once a year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

Below you'll find a brief review of the data that was touched on above.

• Drivers can save approximately $190 per year simply by shopping early and online
• Insureds who want more liability protection will pay approximately $500 each year to increase from a 30/60 limit to higher 250/500 limits
• Youthful drivers are charged the highest rates, costing up to $484 each month including comprehensive and collision insurance
• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,800 more annually than a low-risk driver

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.