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 including full coverage. Comprehensive costs approximately $248, collision insurance costs $610, and liability insurance is estimated at $470. A policy with only liability insurance costs approximately $536 a year, and a high-risk policy costs around $3,314. Teen drivers pay the most at up to $5,826 a year.

Average premium for full coverage: $1,508

Premium estimates by type of coverage:

Includes $500 physical damage deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for all Civic models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on car insurance prices. Rural locations are statistically proven to have fewer comprehensive and collision claims than larger metro areas. The example below illustrates how location helps determine auto insurance prices.

These rate differences highlight why everyone should get quotes using their specific location and their own personal driving habits, rather than relying on price averages.

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

More Rate Details

The chart below breaks down average Honda Civic insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $855
• Choosing higher $1,000 deductibles can save $194 every year
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,508
• Choosing pricier low deductibles for comp and collision coverage will cost $1,894
• High-risk insureds with multiple violations and an at-fault accident could pay around $3,314
• An auto insurance policy with full coverage for a teen driver for full coverage can cost $5,826 each year

View Chart as Image

Car insurance prices for a Honda Civic also have a wide range based on the model of your Civic, your driving characteristics, and physical damage deductibles and liability limits.

A more mature driver with no driving violations and high physical damage deductibles could pay as little 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 will be charged in the ballpark of $5,800 a year. View Rates by Age

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

Choosing high deductibles can save as much as $580 each year, whereas buying more liability protection will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $375 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Honda Civic insurance rates. A good driver about age 40 could pay as low as $1,160 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,150 on average in Louisiana, New York, and Michigan.

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 the Cheapest Honda Civic Insurance

Finding better rates on Honda Civic insurance takes being a safe and courteous driver, having a good credit score, refrain from filing small claims, and attention to physical damage deductibles. Invest time comparing rates once a year by getting rate quotes from direct car insurance companies, and also from local insurance agencies.

Below is a recap of the data that was covered in the charts and tables above.

• You may be able to save around $180 per year just by quoting online well ahead of the renewal date
• Drivers who purchase higher levels of liability will pay about $520 per year to raise limits from 30/60 bodily injury limits to higher 250/500 limits
• Teenage drivers pay the highest auto insurance prices, with the cost nearing $486 per month if comprehensive and collision insurance is included
• High-risk drivers that have major violations or accidents may have to pay on average $1,810 more per year for auto insurance

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.