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 insurance costs on average $248, collision insurance costs $610, and liability costs around $470. Liability-only coverage costs as low as $536 a year, and high-risk coverage costs $3,314 or more. 16-year-old drivers receive the highest rates at up to $5,826 a year.

Average premium for full coverage: $1,508

Rate estimates by individual coverage type:

Full coverage includes $500 physical damage deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and for different Civic trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on insurance rates. Rural areas tend to have a lower frequency of physical damage claims than congested cities. The price range example below illustrates the effect of geographic area on car insurance rates.

These examples illustrate why anyone shopping for car insurance should compare prices based on a specific location and risk profile, instead of making a decision based on rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $855
• Using higher $1,000 deductibles will save around $194 each year
• The average rate for a 40-year-old driver with $500 deductibles is $1,508
• Buying more expensive low deductibles for physical damage coverage will cost an extra $386 annually
• High-risk insureds with multiple tickets or accidents could pay upwards of $3,314
• The cost for full coverage for a 16-year-old driver with full coverage may cost $5,826 or more

View Chart as Image

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

An older driver with no driving violations and high deductibles may pay as low as $1,400 a year for full coverage. Rates are highest for teen drivers, where even good drivers will be charged upwards of $5,800 a year. View Rates by Age

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

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $580 annually, while increasing your policy's liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost as much as $375 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying at a minimum $1,800 to $2,500 extra per year, depending on your age. High-risk driver insurance can be from 43% to 132% more than the average rate. View High Risk Driver Rates

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 More Affordable Honda Civic Insurance

Saving money on insurance for a Honda Civic requires being a safe and courteous driver, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Take the time to compare rates once a year by obtaining price quotes from direct insurance companies like GEICO and Progressive, and also from local independent and exclusive agents.

Below is a summary of the data that was covered in the above illustrations.

• It is possible to save as much as $180 per year just by shopping early and online
• Insureds who require higher levels of liability will pay around $520 annually to increase from a minimum limit to 250/500 limits
• Teenage drivers are expensive to insure, costing up to $486 per month if full coverage is included
• Drivers considered higher risk who have multiple accidents or major violations pay an average of $1,810 more each year for auto insurance

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.