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 insurance rates for a Honda Civic are $1,512 a year including full coverage. Comprehensive insurance costs approximately $256 a year, collision costs $626, and liability costs around $450. Liability-only insurance costs as low as $518 a year, with high-risk driver insurance costing $3,316 or more. Teenage drivers cost the most to insure at $5,808 a year or more.

Average premium for full coverage: $1,512

Policy rates by type of insurance:

These estimates include $500 deductible amounts, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and Civic trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance prices. Rural locations are shown to have a lower frequency of comprehensive and collision claims than densely populated cities.

The diagram below illustrates how location impacts auto insurance prices.

The examples above highlight why it is important to compare prices using their specific location and risk profile, instead of using average rates.

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

Additional Rate Details

The chart below breaks down estimated Honda Civic insurance rates for additional coverage and risk scenarios.

• The best discount rate is $857
• Using higher $1,000 deductibles will save $1,314 every year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,512
• Using low $100 deductibles for physical damage coverage will cost an extra $396 every year
• Drivers who are prone to accidents and violations could pay around $3,316 or more
• Policy cost for full coverage for a teen driver can cost $5,808 or more

View Chart as Image

Auto insurance rates for a Honda Civic also range considerably based on your risk profile, the model of your Civic, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high deductibles may pay as little as $1,400 a year, or $117 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay in the ballpark of $5,800 a year. View Rates by Age

Your home state has a huge impact on Honda Civic insurance prices. A driver around age 40 might see rates as low as $1,160 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,160 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $600 every year, while buying higher liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $358 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying anywhere from $1,800 to $2,500 in extra premium every year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 132% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to get quotes and see which company has the best rate. Each insurance company uses a different method to calculate rates, and quoted rates will be varied from one company to the next.

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 Cheap Honda Civic Insurance

Finding cheaper rates on car insurance requires having a good driving record, having good credit, paying for small claims out-of-pocket, and not having any coverage lapses. Spend time shopping around once a year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The next list is a brief summary of the data that was touched on above.

• You may be able to save around $190 per year simply by quoting early and online
• Policyholders who purchase increased levels of liability coverage will pay an extra $500 per year to increase from a 30/60 limit to 250/500 limits
• Drivers age 20 and younger have the highest car insurance rates, with premiums being up to $484 each month if they have full coverage
• Higher risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,800 more per year to buy Honda Civic insurance

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.