Honda Civic Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jun 5, 2023

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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.

U.S. average insurance prices for a Honda Civic are $1,296 every 12 months for full coverage. Comprehensive costs an estimated $188, collision insurance costs $408, and liability coverage costs $520. A policy with just liability insurance costs as little as $576 a year, and coverage for high-risk drivers costs around $2,828. Teens pay the highest rates at up to $5,174 a year.

Average premium for full coverage: $1,296

Price estimates broken down by individual coverage:

Comprehensive $188
Collision $408
Liability $520

These estimates include $500 deductible amounts, split liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all states and for all Civic models.

Price Range from Low to High

For a driver in their 40's, Honda Civic insurance prices range from the cheapest price of $576 for a discount liability-only rate to the much higher price of $2,828 for coverage for higher-risk drivers.

Liability Only $576
Full Coverage $1,296
High Risk $2,828

Geographic Price Range

Your location has a large influence on insurance rates. More rural locations have more infrequent accident claims than cities with more traffic congestion. The example below illustrates how location helps determine insurance prices.

Rural Areas $972
Small Cities $1,361
Large Cities $1,750

The ranges above show why everyone should compare rates for a targeted area and their own driving history, rather than using averaged prices.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Rates by State, City, and Model

The chart below shows average Honda Civic insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $756
  • Drivers who choose higher $1,000 deductibles will pay approximately $136 a year
  • The average price for the average middle-age driver who has $500 deductibles is $1,296
  • Selecting pricier low deductibles for comprehensive and collision insurance increases the price to $1,558
  • High-risk insureds with serious driving violations could pay up to $2,828
  • The price to insure a teenage driver for full coverage can cost as much as $5,174 a year

View Chart as Image

Honda Civic insurance cost comparison chart
Column chart showing Honda Civic insurance rates range from $756 to $5,174 for full coverage

Insurance prices for a Honda Civic are also quite variable based on deductibles and policy limits, your driver profile, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles could save up to $400 a year, whereas buying more liability protection will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $414 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may only pay around $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay at least $5,100 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying $1,600 to $2,200 extra each year, depending on your age. Honda Civic insurance for high-risk drivers can cost around 43% to 137% more than the average policy. View High Risk Driver Rates

The state you live in makes a big difference in Honda Civic insurance rates. A 40-year-old driver could pay as low as $850 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,840 on average in New York, Louisiana, and Michigan.

Honda Civic Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,168 -$128 -9.9%
Alaska $992 -$304 -23.5%
Arizona $1,076 -$220 -17.0%
Arkansas $1,296 -$0 0.0%
California $1,474 $178 13.7%
Colorado $1,232 -$64 -4.9%
Connecticut $1,328 $32 2.5%
Delaware $1,464 $168 13.0%
Florida $1,618 $322 24.8%
Georgia $1,194 -$102 -7.9%
Hawaii $928 -$368 -28.4%
Idaho $876 -$420 -32.4%
Illinois $964 -$332 -25.6%
Indiana $974 -$322 -24.8%
Iowa $872 -$424 -32.7%
Kansas $1,228 -$68 -5.2%
Kentucky $1,764 $468 36.1%
Louisiana $1,914 $618 47.7%
Maine $800 -$496 -38.3%
Maryland $1,066 -$230 -17.7%
Massachusetts $1,034 -$262 -20.2%
Michigan $2,242 $946 73.0%
Minnesota $1,082 -$214 -16.5%
Mississippi $1,550 $254 19.6%
Missouri $1,148 -$148 -11.4%
Montana $1,388 $92 7.1%
Nebraska $1,020 -$276 -21.3%
Nevada $1,552 $256 19.8%
New Hampshire $932 -$364 -28.1%
New Jersey $1,444 $148 11.4%
New Mexico $1,144 -$152 -11.7%
New York $1,362 $66 5.1%
North Carolina $746 -$550 -42.4%
North Dakota $1,062 -$234 -18.1%
Ohio $892 -$404 -31.2%
Oklahoma $1,328 $32 2.5%
Oregon $1,184 -$112 -8.6%
Pennsylvania $1,232 -$64 -4.9%
Rhode Island $1,726 $430 33.2%
South Carolina $1,172 -$124 -9.6%
South Dakota $1,092 -$204 -15.7%
Tennessee $1,130 -$166 -12.8%
Texas $1,558 $262 20.2%
Utah $956 -$340 -26.2%
Vermont $886 -$410 -31.6%
Virginia $774 -$522 -40.3%
Washington $998 -$298 -23.0%
West Virginia $1,186 -$110 -8.5%
Wisconsin $896 -$400 -30.9%
Wyoming $1,150 -$146 -11.3%

View Chart as Image

Honda Civic insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Honda Civic Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Honda Civic DX 4-Dr Sedan $1,108 $92
Honda Civic DX 2-Dr Coupe $1,330 $111
Honda Civic LX 4-Dr Sedan $1,154 $96
Honda Civic VP 4-Dr Sedan $1,154 $96
Honda Civic EX 4-Dr Sedan $1,184 $99
Honda Civic LX 2-Dr Coupe $1,360 $113
Honda Civic LX-S 4-Dr Sedan $1,184 $99
Honda Civic EX-L 4-Dr Sedan $1,214 $101
Honda Civic EX 2-Dr Coupe $1,396 $116
Honda Civic SI 4-Dr Sedan $1,240 $103
Honda Civic EX-L 2-Dr Coupe $1,426 $119
Honda Civic GX 4-Dr Sedan $1,250 $104
Honda Civic SI 2-Dr Coupe $1,454 $121
Honda Civic Hybrid 4-Dr Sedan $1,200 $100

Rates assume 2015 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.

Honda Civic Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Honda Civic $240 $586 $486 $1,492
2019 Honda Civic $226 $564 $500 $1,470
2018 Honda Civic $218 $524 $510 $1,432
2017 Honda Civic $208 $494 $514 $1,396
2016 Honda Civic $200 $442 $520 $1,342
2015 Honda Civic $188 $408 $520 $1,296
2014 Honda Civic $180 $382 $524 $1,266
2013 Honda Civic $176 $356 $534 $1,246
2012 Honda Civic $164 $330 $534 $1,208
2011 Honda Civic $158 $300 $540 $1,178
2010 Honda Civic $148 $274 $534 $1,136
2009 Honda Civic $140 $250 $534 $1,104
2008 Honda Civic $134 $224 $530 $1,068
2007 Honda Civic $132 $218 $520 $1,050
2006 Honda Civic $130 $208 $510 $1,028
2005 Honda Civic $120 $198 $504 $1,002
2004 Honda Civic $116 $188 $500 $984

Rates are averaged for all Honda Civic models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Shop for Cheap Honda Civic Insurance

Getting lower rates on auto insurance not only requires having a good driving record, but also having good credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Invest time comparing rates at least once a year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The next list is a brief summary of the primary concepts that were covered in the charts and tables above.

  • Drivers can save approximately $150 per year just by quoting online well ahead of the renewal date
  • Drivers that tend to have accidents or serious violations pay on average $1,530 more annually to buy Honda Civic insurance
  • Increasing physical damage deductibles could save as much as $400 each year
  • Drivers age 20 and younger are charged the highest prices, with premiums as much as $431 a month if they have full coverage

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.

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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:

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.

Rates by Driver Age

Honda Civic Insurance Rates by Driver Age
Driver Age Premium
16 $5,174
20 $3,030
30 $1,326
40 $1,296
50 $1,188
60 $1,166

Full coverage, $500 deductibles

Rates by Deductible

Honda Civic Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,558
$250 $1,434
$500 $1,296
$1,000 $1,160

Full coverage, driver age 40

Rates by Liability Limit

Honda Civic Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,296
50/100 $1,292
100/300 $1,407
250/500 $1,706
100 CSL $1,338
300 CSL $1,591
500 CSL $1,775

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Civic Insurance Rates for High Risk Drivers
Age Premium
16 $7,338
20 $4,840
30 $2,866
40 $2,828
50 $2,708
60 $2,686

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $185

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $67
Multi-vehicle $72
Homeowner $22
5-yr Accident Free $90
5-yr Claim Free $84
Paid in Full/EFT $54
Advance Quote $62
Online Quote $89
Total Discounts $540
Rate after discounts $756

Discounts are estimated and may not be available from every company or in every state.

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