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.

Estimated auto insurance rates for a Honda Civic are $1,518 annually for full coverage insurance. Comprehensive insurance costs on average $268, collision costs $630, and liability is estimated at $440. Liability-only coverage costs approximately $510 a year, with high-risk coverage costing $3,326 or more. Teen drivers pay the most at $5,796 a year or more.

Average premium for full coverage: $1,518

Premium estimates by type of coverage:

Includes $500 policy deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and for all Civic models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on insurance rates. Rural areas are statistically proven to have fewer physical damage claims than larger metro areas.

The example below illustrates how your location can change car insurance rates.

These rate differences illustrate why everyone should get quotes based on a specific location and their own personal driving habits, instead of making a decision based on price averages.

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

More Rate Information

The chart below illustrates estimated Honda Civic insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $862
• Choosing higher $1,000 deductibles can save around $202 each year
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,518
• Choosing pricier low deductibles for comp and collision coverage costs an additional $402 annually
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $3,326 or more
• An auto insurance policy with full coverage for a 16-year-old driver for full coverage may cost $5,796 each year

View Chart as Image

Insurance prices for a Honda Civic also have a wide range based on the model of your Civic, your risk profile, and policy deductibles and limits.

A more mature driver with a clean driving record and high physical damage deductibles may pay as low as $1,400 annually on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay upwards of $5,700 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying at a minimum $1,800 to $2,500 extra annually, depending on your age. Honda Civic insurance for high-risk drivers ranges from 43% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $610 annually, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $351 more per year. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Honda Civic insurance prices. A good driver about age 40 could pay as low as $990 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $2,050 on average in Michigan, New York, and Florida.

View Chart as Image

With such a large range in prices, the only way to figure out exactly what you will pay is to regularly compare prices from multiple companies. Each auto insurer uses a different rate calculation, so the prices will be substantially 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 the Cheapest Honda Civic Insurance

Finding better rates on insurance for a Honda Civic takes avoiding accidents and claims, having a good credit history, paying for small claims out-of-pocket, and bundling your home and auto policies. Invest the time to shop around at least every other year by requesting rates from direct insurance companies, and also from local exclusive and independent agents.

The points below are a recap of the car insurance concepts illustrated above.

• Drivers considered higher risk that have major violations or accidents may pay on average $1,810 more each year to insure a Honda Civic
• It is possible to save as much as $190 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles could save up to $600 each year
• Insureds who require increased liability limits will pay about $480 annually to raise limits from 30/60 bodily injury limits to higher 250/500 limits

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.