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 auto insurance rates for a Honda Civic are $1,508 annually with full coverage. Comprehensive costs an estimated $248 each year, collision insurance costs $610, and liability costs around $470. A policy with only liability insurance costs as low as $536 a year, and a high-risk policy costs around $3,314. Teen drivers pay the most at up to $5,826 a year.

Average premium for full coverage: $1,508

Premium estimates broken down by type of coverage:

Price estimates include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and Civic models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on car insurance rates. More rural locations are statistically proven to have fewer collision claims than larger metro areas. The graphic below illustrates the effect of geographic area on insurance prices.

These rate differences demonstrate why all drivers should compare prices for a targeted area and their own personal driving habits, instead of using price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $855
• Using higher $1,000 deductibles will save approximately $194 annually
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,508
• Choosing low deductibles for physical damage coverage will cost $1,894
• Drivers with multiple violations and an at-fault accident could pay up to $3,314
• An auto insurance policy with full coverage for a teen driver can cost as much as $5,826 or more

View Chart as Image

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

More mature drivers with no driving violations and high physical damage deductibles may pay as little as $1,400 a year, or $117 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged at least $5,800 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out $1,800 to $2,500 extra annually, depending on your age. Insurance for high-risk drivers can be as much as 43% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $580 every year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $375 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Honda Civic insurance prices. A driver around age 40 might see prices as low as $1,090 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,030 on average in New York, Michigan, and Florida.

View Chart as Image

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 Buy Cheaper Honda Civic Insurance

Finding better rates on car insurance requires avoiding accidents and claims, having a good credit score, being claim-free, and possibly higher deductibles. Take the time to compare rates every time your policy renews by requesting quotes from direct companies, and also from several local insurance agents.

The points below are a condensed summary of the information covered in the above illustrations.

• You may be able to save approximately $180 per year just by quoting online in advance
• Drivers under the age of 20 have the highest car insurance prices, possibly costing $486 per month if comprehensive and collision insurance is included
• Increasing policy deductibles could save up to $575 each year
• Higher risk drivers with multiple at-fault accidents pay on average $1,810 more annually to insure a Honda Civic
• Policyholders who want increased liability limits will pay about $520 every year to increase from 30/60 bodily injury limits to higher 250/500 limits

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.