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 for full coverage insurance. Comprehensive costs around $268 each year, collision costs $630, and liability insurance costs around $440. Buying just liability costs as low as $510 a year, with insurance for high-risk drivers costing around $3,326. Teenage drivers cost the most to insure at $5,796 a year or more.

Average premium for full coverage: $1,518

Policy rates for type of insurance:

These estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and Civic models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance rates. Areas with sparse population are shown to have fewer physical damage claims than densely populated cities.

The graphic below illustrates how rural and urban location affects auto insurance rates.

The examples above illustrate why all drivers should compare prices for a specific zip code and their own personal driving habits, rather than relying on average rates.

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

More Rate Details

The chart below illustrates estimated Honda Civic insurance rates for additional coverage choices and driver risks.

• The best discount rate is $862
• Using higher $1,000 deductibles will save about $202 each year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,518
• Using low deductibles for physical damage coverage will cost $1,920
• Drivers who are prone to accidents and violations could pay at least $3,326 or more
• Policy cost with full coverage for a teen driver can be $5,796 or more

View Chart as Image

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

More mature 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. Rates are much higher for teenagers, 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 points on your driving record or you caused a few accidents, you are probably paying at least $1,800 to $2,500 extra every year, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $610 each year, whereas increasing liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $351 more per year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Honda Civic insurance rates. A driver around age 40 might see rates as low as $990 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,050 on average in Michigan, New York, and Florida.

View Chart as Image

Because rates have so much variability, the only way to figure out your exact price is to do a rate comparison from as many companies as possible. Each insurance company uses a different method to calculate rates, 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 Cheap Honda Civic Insurance

Finding cheaper rates on Honda Civic insurance requires being a low-risk driver, having a good credit history, being claim-free, and insuring your home and auto with the same company. Set aside time to shop around every couple of years by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The items below are a brief summary of the material that was raised in the charts and tables above.

• Drivers who may need more liability coverage will pay an extra $480 annually to increase from a 30/60 limit to higher 250/500 limits
• Teen drivers pay higher rates, possibly costing $483 each month including comprehensive and collision insurance
• High-risk drivers that tend to have accidents or serious violations pay on average $1,810 more every year to insure their Civic
• Increasing comprehensive and collision deductibles could save up to $600 each year

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.