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 rates for a Honda Civic are $1,508 a year for full coverage. Comprehensive costs approximately $248 a year, collision costs $610, and liability insurance is estimated at $470. A liability-only policy costs approximately $536 a year, with high-risk insurance costing around $3,314. Teens pay the most at $5,826 a year or more.

Average premium for full coverage: $1,508

Premium estimates by type of coverage:

Prices are based on $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and Civic trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on car insurance rates. Rural locations are statistically proven to have lower incidents of accident claims than cities with more traffic congestion.

The diagram below illustrates how location impacts auto insurance prices.

These rate differences show why it is important to get quotes using their specific location, rather than relying on averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $855
• Choosing higher $1,000 deductibles can save $1,314 a year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,508
• Selecting low $100 deductibles for comp and collision coverage bumps up the cost to $1,894
• High-risk insureds with serious driving violations could pay around $3,314 or more
• An auto insurance policy that insures a teen driver can cost $5,826 each year

View Chart as Image

Auto insurance prices for a Honda Civic also have a wide range based on the trim level of your Civic, how you drive, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you could be paying anywhere from $1,800 to $2,500 in extra premium annually, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 132% more than the average policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,400 annually on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay in the ballpark of $5,800 a year. View Rates by Age

Where you choose to 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 Iowa, Maine, and Idaho, or have to pay at least $2,150 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $580 each year, while buying higher liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $375 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know who has the cheapest car insurance prices is to get quotes from as many companies as possible. Each auto insurer calculates prices differently, and quoted prices 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 Find Affordable Honda Civic Insurance

Finding better rates on Honda Civic insurance takes avoiding accidents and claims, maintaining a good credit score, not filing small claims, and not having any coverage lapses. Compare rates every couple of years by obtaining price quotes from direct carriers, and also from insurance agencies where you live.

The points below are a brief review of the material that was touched on above.

• Drivers who purchase increased liability limits will pay approximately $520 each year to raise limits from 30/60 bodily injury limits to the 250/500 level
• Drivers under the age of 20 have the highest car insurance prices, as much as $486 per month if the policy includes full coverage
• High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,810 more per year to insure a Honda Civic
• Increasing policy deductibles can save approximately $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.