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 insurance. Comprehensive insurance costs around $248, collision costs $610, and liability is estimated at $470. A policy with only liability insurance costs approximately $536 a year, with a high-risk policy costing $3,314 or more. Teenage drivers pay the most at $5,826 a year or more.

Average premium for full coverage: $1,508

Premium estimates for type of coverage:

Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes uninsured/under-insured 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

Living in a larger city can make a big difference on car insurance rates. Areas with sparse population are statistically proven to have lower incidents of physical damage claims than densely populated cities.

The example below illustrates how rural and urban location affects auto insurance rates.

These rate differences illustrate why everyone should get quotes for a specific zip code, instead of making a decision based on average rates.

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

More Rate Information

The chart below illustrates estimated Honda Civic insurance rates for additional coverage choices and driver risks.

• The best discount rate is $855
• Choosing higher $1,000 deductibles can save about $194 each year
• The estimated price for a 40-year-old good driver using $500 deductibles is $1,508
• Using pricier low deductibles for comp and collision coverage will cost an additional $386 annually
• Higher-risk drivers who are prone to accidents and violations could pay at least $3,314 or more
• An auto insurance policy that insures a 16-year-old driver for full coverage can be $5,826 each year

View Chart as Image

Car insurance prices for a Honda Civic also have a wide range based on the model of your Civic, your age and driving record, and deductibles and policy limits.

If you have a few violations or you caused an accident, you are probably paying at least $1,800 to $2,500 extra annually, depending on your age. Honda Civic insurance for high-risk drivers ranges from 43% to 132% more than a normal policy. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as low 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 be charged as much as $5,800 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Honda Civic insurance prices. A good driver about age 40 could pay as low as $990 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,030 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles can save as much as $580 annually, whereas buying more liability protection will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $375 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out your exact price is to regularly compare prices from multiple companies. Each auto insurer uses a different method to calculate prices, 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 Find More Affordable Honda Civic Insurance

Finding better rates on insurance for a Honda Civic takes being a good driver, having a positive credit history, paying for small claims out-of-pocket, and qualifying for all possible discounts. Compare prices once a year by getting rate quotes from direct insurance companies, and also from insurance agencies where you live.

The following list is a summary of the data that was raised in the charts and tables above.

• It is possible to save up to $180 per year simply by quoting online well ahead of the renewal date
• Insureds who may need an increased level of liability coverage will pay an extra $520 annually to raise limits from 30/60 bodily injury limits to the 250/500 level
• Drivers age 16 to 20 are the costliest to insure, with premiums being up to $486 per month if full coverage is purchased
• Drivers considered higher risk who have multiple accidents or major violations could be forced to pay on average $1,810 more every 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.