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.

Estimated insurance prices for a Honda Civic are $1,508 every 12 months for full coverage insurance. Comprehensive costs an estimated $248, collision costs $610, and liability costs $470. A policy with only liability insurance costs as little as $536 a year, with a high-risk policy costing around $3,314. Teen drivers pay the most at $5,826 a year or more.

Average premium for full coverage: $1,508

Premium estimates broken down by type of coverage:

Prices are based on $500 policy deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and for all Civic models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on the price of insurance. More rural locations are statistically proven to have more infrequent physical damage claims than larger metro areas.

The example below illustrates how location helps determine insurance prices.

These rate differences illustrate why everyone should compare rates for a targeted area and their own driving history, instead of using price averages.

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

Additional Charts and Tables

The chart below illustrates estimated Honda Civic insurance rates for other coverage scenarios.

• The lowest rate with discounts is $855
• Drivers who choose higher $1,000 deductibles will pay approximately $194 each year
• The average price for a 40-year-old good driver who has $500 deductibles is $1,508
• Choosing pricier low deductibles for comprehensive and collision insurance increases the price to $1,894
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $3,314 or more
• An auto insurance policy to insure a teen driver for full coverage can cost as much as $5,826 a year

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Car insurance prices for a Honda Civic also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model year and trim level.

Choosing high deductibles could save up to $580 every year, whereas buying more liability protection will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $375 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may pay as little as $1,400 per year on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged at least $5,800 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying $1,800 to $2,500 extra annually, depending on your age. Honda Civic insurance for high-risk drivers can cost as much as 43% to 132% more than average. View High Risk Driver Rates

Where you choose to live makes a big difference in Honda Civic insurance prices. A 40-year-old driver could pay 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.

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With such a large range in prices, the only way to figure out which insurance company is cheapest is to regularly compare prices and see which company has the best price. Every company uses a different rate calculation, so rate quotes will be substantially 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

Finding better rates on car insurance not only requires avoiding accidents and claims, but also maintaining a good credit score, paying for small claims out-of-pocket, and not having any coverage lapses. Invest time comparing rates at least every other year by getting rate quotes from direct insurance companies, and also from insurance agencies where you live.

The points below are a brief review of the car insurance concepts covered in the charts and tables above.

• Higher risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,810 more annually to insure a Honda Civic
• It is possible to save approximately $180 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles could save as much as $575 each year
• Policyholders who want increased liability limits will pay about $520 annually to go from 30/60 bodily injury limits 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.