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.

Average insurance prices for a Honda Civic are $1,508 every 12 months for full coverage insurance. Comprehensive costs approximately $248 a year, collision costs $610, and liability insurance is estimated at $470. Buying just liability costs approximately $536 a year, with insurance for high-risk drivers costing around $3,314. Teenage drivers receive the highest rates at $5,826 a year or more.

Average premium for full coverage: $1,508

Rate estimates by individual coverage type:

Prices are based on $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and Civic trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on the price of auto insurance. Rural locations tend to have more infrequent physical damage claims than densely populated cities.

The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

These examples illustrate why it is important to get quotes using their specific location and their own driving history, rather than relying on average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $855
• Choosing higher $1,000 deductibles can save $1,314 each year
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,508
• Using low $100 deductibles for comp and collision coverage increases the price to $1,894
• High-risk insureds who are prone to accidents and violations could pay around $3,314 or more
• The cost to insure a teen driver can cost $5,826 each year

View Chart as Image

Auto insurance rates for a Honda Civic can also vary considerably based on policy deductibles and limits, your risk profile, and the model of your Civic.

Using high physical damage deductibles can save as much as $580 each year, while buying higher liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $375 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles could pay as little as $1,400 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay in the ballpark of $5,800 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying anywhere from $1,800 to $2,500 in extra premium per year, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 132% more than a normal policy. View High Risk Driver Rates

Where you live plays a big part in determining prices for Honda Civic insurance rates. A good driver about age 40 could pay as low as $990 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,030 on average in Florida, New York, and Michigan.

View Chart as Image

With so much variability in rates, the only way to figure out who has the best car insurance rates is to get quotes from as many companies as possible. Each auto insurer uses a different method to calculate rates, and quoted rates can be significantly 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 Shop for Affordable Honda Civic Insurance

Saving money on Honda Civic insurance takes being a low-risk driver, having a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Set aside time to compare rates every time your policy renews by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The items below are a brief review of the information covered above.

• It is possible to save around $180 per year simply by quoting early and online
• Teen drivers have the highest car insurance rates, costing up to $486 per month if comprehensive and collision insurance is included
• Increasing deductibles could save as much as $575 each year
• High-risk drivers with DUI or reckless driving convictions may have to pay on average $1,810 more per year to insure their Civic
• Drivers who purchase more liability coverage will pay an extra $520 annually to raise limits from a minimum limit to a 250/500 level

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.