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 rates for a Honda Civic are $1,508 a year for full coverage insurance. Comprehensive costs approximately $248 each year, collision costs $610, and liability insurance costs around $470. Buying just liability costs as low as $536 a year, with insurance for high-risk drivers costing around $3,314. Teen 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:

Includes $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and Civic models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on the price of auto insurance. Rural locations tend to have a lower frequency of physical damage claims than larger metro areas.

The graphic below illustrates how rural and urban location affects auto insurance prices.

These examples illustrate why all drivers should compare prices using their specific location and risk profile, rather than relying on price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $855
• Using higher $1,000 deductibles will save $194 each year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,508
• Choosing low deductibles for physical damage coverage will increase the cost to $1,894
• Drivers with multiple violations and an at-fault accident could pay around $3,314 or more
• The cost for full coverage for a teen driver can cost $5,826 or more

View Chart as Image

Auto insurance rates for a Honda Civic can also vary considerably based on your driver profile, the model year and trim level, and physical damage deductibles and liability limits.

More mature drivers with a good driving record and high deductibles could pay as little as $1,400 a year for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay in the ballpark of $5,800 a year. View Rates by Age

Where you live has a huge impact on Honda Civic insurance rates. A driver around age 40 might see rates as low as $990 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $2,030 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles could cut rates by as much as $580 each year, whereas increasing liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will cost as much as $375 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying anywhere from $1,800 to $2,500 in extra premium per year, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 132% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to figure out who has the best car insurance rates is to do a rate comparison from as many companies as possible. Each insurance company uses a different rate calculation, and quoted rates can be significantly 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 Cheapest Honda Civic Insurance

Saving money on Honda Civic insurance requires being safe and accident-free, having good credit, avoid buying unnecessary coverage, and not having any coverage lapses. Set aside time to shop around every couple of years by requesting quotes from direct insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.

Below you'll find a recap of the material that was raised in the charts and tables above.

• Drivers who purchase more liability protection will pay about $520 annually to increase from a minimum limit to 250/500 limits
• Youthful drivers have the highest car insurance rates, costing up to $486 per month if they have full coverage
• High-risk drivers that have major violations or accidents may pay on average $1,810 more per year than a low-risk driver
• Increasing deductibles can save around $575 each year

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.