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 $1,508 annually with full coverage. Comprehensive insurance costs on average $248, collision costs $610, and liability coverage is $470. Liability-only insurance costs around $536 a year, with high-risk driver insurance costing $3,314 or more. Teen drivers pay the most at $5,826 a year or more.

Average premium for full coverage: $1,508

Premium estimates by type of coverage:

Estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and for all Civic models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on auto insurance rates. Rural areas are statistically proven to have fewer collision claims than larger metro areas.

The example below illustrates how rural and urban location affects car insurance rates.

These rate differences demonstrate why everyone should compare rates quotes based on a specific location and their own personal driving habits, rather than using price averages.

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

More Rate Information

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

• The lowest rate with discounts is $855
• Raising to $1,000 deductibles will save around $194 annually
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,508
• Choosing pricier low deductibles costs an additional $386 each year
• Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $3,314 or more
• An auto insurance policy with full coverage for a teenage driver for full coverage may cost $5,826

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

A more mature driver with no violations or accidents and high physical damage deductibles may only pay around $1,400 every 12 months 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 should be prepared to pay upwards of $5,800 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out at a minimum $1,800 to $2,500 additional annually, depending on your age. Honda Civic insurance for high-risk drivers is expensive and can cost around 43% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce prices by up to $580 a year, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $375 more each year. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Honda Civic insurance rates. A middle-age driver might find prices as low as $1,090 a year in states like New Hampshire, Ohio, and Utah, or as much as $2,030 on average in Florida, Michigan, and New York.

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With such a large range in prices, the best way to find out exactly what you will pay is to regularly compare prices and see how they stack up. Every auto insurance company uses a different rate calculation, and 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 Low Cost Honda Civic Insurance

Finding better rates on auto insurance consists of having a decent driving record, having good credit, being claim-free, and insuring your home and auto with the same company. Set aside time to shop around every time your policy renews by getting quotes from direct companies, and also from local independent and exclusive agents.

The following items are a review of the information raised in the charts and tables above.

• You may be able to save as much as $180 per year simply by quoting online well ahead of the renewal date
• 16 to 18-year-old drivers pay higher prices, possibly costing $486 per month if they have full coverage
• Increasing policy deductibles could save up to $575 each year
• Drivers who have several accidents or serious violations pay an average of $1,810 more each year than a driver with a clean driving record
• Consumers who require additional liability coverage will pay about $520 every year to raise 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.