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 $1,508 annually for full coverage insurance. Comprehensive insurance costs around $248 each year, collision costs $610, and liability is $470. A policy with just liability insurance costs around $536 a year, with coverage for high-risk drivers costing $3,314 or more. Teenage drivers pay the highest rates at $5,826 a year or more.

Average premium for full coverage: $1,508

Price estimates for individual coverage:

Price estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and Civic models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Areas with sparse population have fewer physical damage claims than densely populated cities.

The graphic below illustrates the difference between rural and urban areas on auto insurance rates.

The ranges above illustrate why all drivers should compare rates quotes for a specific zip code and their own personal driving habits, instead of using average rates.

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

More Rate Details

The chart below illustrates estimated Honda Civic insurance rates for additional coverage choices and driver risks.

• The best discount rate is $855
• Raising to $1,000 deductibles will save about $194 each year
• The estimated rate for the average middle-age driver using $500 deductibles is $1,508
• Using low deductibles costs an additional $386 every year
• At-risk drivers who are prone to accidents and violations could pay at least $3,314 or more
• The price with full coverage for a teen driver can be $5,826

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 deductibles and policy limits.

More mature drivers with a clean driving record and high physical damage deductibles may pay as little as $1,400 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay as much as $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 least $1,800 to $2,500 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 43% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $580 every year, whereas increasing liability limits will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $375 more per year. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Honda Civic insurance prices. A middle-age driver might find prices as low as $990 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,030 on average in Michigan, New York, and Florida.

View Chart as Image

Since prices can be so different, the only way to figure out your exact price is to do a rate comparison and see which company has the best price. Every auto insurance company uses a different method to calculate prices, so the prices may be quite 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 Cheaper Honda Civic Insurance

Getting lower rates on car insurance consists of being a good driver, having a good credit history, not filing small claims, and insuring your home and auto with the same company. Set aside time to compare rates at least every other year by quoting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following list is a condensed summary of the car insurance concepts covered above.

• Higher risk drivers with multiple at-fault accidents pay on average $1,810 more every year than a safer driver
• It is possible to save up to $180 per year simply by quoting online in advance
• Increasing physical damage deductibles could save up to $575 each year
• Policyholders who may need an increased level of liability coverage will pay an extra $520 annually to raise from a low limit 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.