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.

U.S. average insurance prices for a Honda Civic are $1,518 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $268 each year, collision insurance costs $630, and liability insurance is $440. A policy with just liability insurance costs around $510 a year, and coverage for high-risk drivers costs $3,326 or more. 16-year-old drivers pay the highest rates at up to $5,796 a year.

Average premium for full coverage: $1,518

Price estimates broken down by individual coverage:

These estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and Civic models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on the price of insurance. More rural locations have more infrequent physical damage claims than congested cities. The graphic below illustrates the difference location can make on insurance prices.

The ranges above illustrate why all drivers should compare rates quotes for a targeted area and their own driving history, rather than relying on rate averages.

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

Additional Rate Details

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

• The best full coverage rate is $862
• Raising to $1,000 deductibles will save approximately $202 each year
• The average price for the average middle-age driver who has $500 deductibles is $1,518
• Buying low deductibles costs an extra $402 a year
• Higher-risk drivers with multiple tickets or accidents could pay up to $3,326
• The price to insure a teen driver can cost as much as $5,796

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Insurance prices for a Honda Civic are also quite variable based on deductibles and policy limits, your risk profile, and the model year and trim level.

Opting for high physical damage deductibles can reduce prices by up to $610 each year, whereas increasing liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $351 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles could pay as little as $1,400 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay at least $5,700 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying $1,800 to $2,500 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 132% more than the average rate. View High Risk Driver Rates

The state you live in also has a big influence on Honda Civic insurance rates. A middle-age driver might find prices as low as $990 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,050 on average in Florida, New York, and Michigan.

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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 Shop for Cheap Honda Civic Insurance

Getting lower rates on Honda Civic insurance consists of being a safe and courteous driver, having good credit, not filing small claims, and deciding if full coverage is necessary. Make time to compare rates at least once a year by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below is a brief summary of the primary concepts that were touched on in this article.

• It is possible to save approximately $190 per year just by quoting online in advance
• High-risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,810 more annually for auto insurance
• Increasing physical damage deductibles could save as much as $600 each year
• Teenage drivers are charged the highest prices, as much as $483 a month if they have full coverage

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.