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 auto insurance rates for a Honda Civic are $1,512 annually for full coverage insurance. Comprehensive costs on average $256 each year, collision insurance costs $626, and liability is estimated at $450. A policy with just liability insurance costs approximately $518 a year, and coverage for high-risk drivers costs around $3,316. 16-year-old drivers pay the highest rates at up to $5,808 a year.

Average premium for full coverage: $1,512

Price estimates by individual coverage:

Estimates include $500 deductible amounts, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and Civic models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on insurance rates. Rural areas have fewer physical damage claims than congested cities. The graphic below illustrates the effect of geographic area on car insurance rates.

The ranges above illustrate why all drivers should get quotes based on a specific location and their own personal driving habits, instead of making a decision based on rate averages.

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

Rates by State, City, and Model

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

• The best full coverage rate is $857
• Choosing higher $1,000 deductibles can save around $198 each year
• The estimated rate for the average middle-age driver with $500 deductibles is $1,512
• Buying low deductibles for comp and collision coverage will cost $1,908
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $3,316
• The price with full coverage for a 16-year-old driver may cost $5,808 each year

View Chart as Image

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

More mature drivers with a clean driving record and high physical damage deductibles may pay as low as $1,400 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay upwards of $5,800 a year. View Rates by Age

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

Opting for high physical damage deductibles can save as much as $600 annually, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $358 more per year. View Rates by Deductible or Liability Limit

The state you live in 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 at least $2,040 on average in Michigan, New York, and Florida.

View Chart as Image

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

Getting lower rates on insurance for a Honda Civic takes having a good driving record, having a good credit history, not filing small claims, and determing if full coverage is necessary. Take the time to compare rates every other policy renewal by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The next list is a review of the ideas that were covered in the above illustrations.

• Drivers age 20 and younger pay the highest prices, as much as $484 a month including comprehensive and collision insurance
• Drivers considered higher risk who have several accidents or serious violations may pay on average $1,800 more each year to buy Honda Civic insurance
• Increasing physical damage deductibles could save up to $600 each year
• It is possible to save as much as $190 per year just 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.