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 insurance rates for a Honda Civic are $1,512 a year for full coverage insurance. Comprehensive costs approximately $256, collision costs $626, and liability insurance costs around $450. Liability-only insurance costs as low as $518 a year, with high-risk driver insurance costing around $3,316. Teens pay the highest rates at $5,808 a year or more.

Average premium for full coverage: $1,512

Price estimates by individual coverage:

Estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and for different Civic trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on the price of auto insurance. Rural locations have lower incidents of physical damage claims than cities with more traffic congestion.

The price range example below illustrates how rural and urban location affects auto insurance prices.

The ranges above illustrate why anyone shopping for car insurance should compare prices using their specific location, rather than relying on averaged prices.

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

More Rate Information

The chart below illustrates estimated Honda Civic insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $857
• Using higher $1,000 deductibles will save $198 each year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,512
• Selecting more expensive low deductibles for physical damage coverage bumps up the cost to $1,908
• Drivers with serious driving violations could pay around $3,316 or more
• The price that insures a teen driver with full coverage can cost $5,808 or more

View Chart as Image

Car insurance prices for a Honda Civic are also quite variable based on the model year and trim level, your age and driving record, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are probably paying anywhere from $1,800 to $2,500 extra each year, depending on your age. High-risk driver insurance can be anywhere from 43% to 132% more than the average policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,400 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged in the ballpark of $5,800 a year. View Rates by Age

The state you live in has a huge impact on Honda Civic insurance rates. A driver around age 40 might see prices as low as $990 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,040 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $600 each year, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $358 extra every 12 months. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out who has the best car insurance prices is to compare prices from as many companies as possible. Each insurance company calculates prices differently, so rate quotes may be quite different.

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 Find Low Cost Honda Civic Insurance

Getting lower rates on Honda Civic insurance requires being a low-risk driver, having a positive credit history, not filing small claims, and avoiding coverage lapses. Compare rates every year by getting rate quotes from direct insurance companies, and also from your local car insurance providers.

The items below are a review of the coverage data raised in the charts and tables above.

• It is possible to save around $190 per year simply by shopping early and online
• Increasing physical damage deductibles can save approximately $600 each year
• Teen drivers pay the highest auto insurance prices, as much as $484 a month if full coverage is purchased
• High-risk drivers who have several accidents or serious violations could be charged and average of $1,800 more per year to insure their Civic

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.