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 $1,508 a year for full coverage insurance. Comprehensive costs on average $248, collision costs $610, and liability is $470. Liability-only coverage costs around $536 a year, with high-risk coverage costing around $3,314. Teens pay the highest rates at $5,826 a year or more.

Average premium for full coverage: $1,508

Price estimates by individual coverage:

Prices include $500 policy deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and for different Civic trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on insurance rates. Rural areas have a lower frequency of physical damage claims than cities with more traffic congestion.

The price range example below illustrates how rural and urban location affects car insurance rates.

The ranges above illustrate why anyone shopping for car insurance should compare rates quotes based on a specific location and risk profile, instead of using averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $855
• Raising to $1,000 deductibles will save around $194 each year
• The average rate for the average middle-age driver with $500 deductibles is $1,508
• Selecting more expensive low deductibles will increase the cost to $1,894
• At-risk drivers with serious driving violations could pay upwards of $3,314 or more
• The price for full coverage for a teen driver with full coverage may cost $5,826

View Chart as Image

Auto insurance prices for a Honda Civic are also quite variable based on your driving record, the model year and trim level, and policy deductibles and limits.

An older driver with a good driving record and high 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 good drivers will have to pay upwards of $5,800 a year. View Rates by Age

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 have to pay at least $2,030 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $580 every year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $375 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at a minimum $1,800 to $2,500 in extra premium each year, depending on your age. High-risk driver insurance is expensive and can cost as much as 43% to 132% more than the average policy. View High Risk Driver Rates

Since prices can be so different, the only way to figure out exactly what you will pay is to compare prices and see which company has the best price. Every auto insurance company calculates prices differently, and quoted prices may be quite different from one company to the next.

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 the Right Honda Civic Insurance

Getting lower rates on car insurance consists of being a good driver, having good credit, not filing small claims, and taking advantage of discounts. Set aside time to shop around every year by getting quotes from direct insurance companies like Progressive and GEICO, and also from local independent and exclusive agents.

The following list is a quick rundown of the coverage data raised in the charts and tables above.

• It is possible to save as much as $180 per year simply by shopping early and online
• Increasing physical damage deductibles can save around $575 each year
• Drivers age 16 to 20 are charged the highest prices, as much as $486 a month if they have full coverage
• Higher risk drivers with reckless driving or DUI convictions pay an average of $1,810 more each year than a safer driver

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.