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.

Average auto insurance rates for a Honda Civic are $1,512 annually for full coverage insurance. Comprehensive insurance costs an estimated $256 each year, collision costs $626, and liability coverage costs around $450. A policy with just liability insurance costs as low as $518 a year, with coverage for high-risk drivers costing $3,316 or more. Teen drivers receive the highest rates at $5,808 a year or more.

Average premium for full coverage: $1,512

Rate estimates broken down by individual coverage type:

Prices are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and Civic models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on the price of insurance. More rural locations tend to have fewer physical damage claims than larger metro areas.

The graphic below illustrates how where you live affects insurance prices.

These examples illustrate why all drivers should compare prices for a targeted area and their own personal driving habits, rather than using price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $857
• Using higher $1,000 deductibles will save approximately $198 each year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,512
• Choosing low deductibles for physical damage coverage costs an additional $396 each year
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $3,316 or more
• The cost with full coverage for a teenage driver can cost as much as $5,808 or more

View Chart as Image

Insurance rates for a Honda Civic can also vary considerably based on the trim level of your Civic, your risk profile, and liability limits and deductibles.

More mature drivers with no violations or accidents and high physical damage deductibles may only pay around $1,400 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay at least $5,800 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying $1,800 to $2,500 additional per year, depending on your age. Insurance for high-risk drivers can be around 43% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $600 a year, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $358 more each year. View Rates by Deductible or Liability Limit

Where you live 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 North Carolina, Wisconsin, and Vermont, or as much as $2,040 on average in Florida, New York, and Michigan.

View Chart as Image

With so much variability in rates, the only way to figure out which company is cheapest is to do a rate comparison and see how they stack up. Each insurance company uses a different rate calculation, and rates can be significantly different 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

Saving money on auto insurance requires being a good driver, having good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Take the time to comparison shop every other policy renewal by getting quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The following list is a brief review of the ideas that were touched on in the above illustrations.

• Drivers age 16 to 20 are expensive to insure, costing up to $484 per month if they have full coverage
• Drivers with DUI or reckless driving convictions may pay on average $1,800 more annually than a safer driver
• Increasing deductibles could save up to $600 each year
• It is possible to save approximately $190 per year simply by quoting online in advance

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.