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.

The average insurance rates for a Honda Civic are $1,508 a year for full coverage. Comprehensive insurance costs an estimated $248 each year, collision costs $610, and liability costs $470. Liability-only coverage costs as little as $536 a year, with high-risk coverage costing $3,314 or more. Teens cost the most to insure at $5,826 a year or more.

Average premium for full coverage: $1,508

Policy rates broken down by type of insurance:

These estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and Civic models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on insurance rates. More rural locations are shown to have lower incidents of accident claims than cities with more traffic congestion.

The graphic below illustrates the difference between rural and urban areas on insurance prices.

The examples above show why all drivers should compare rates for a targeted area, instead of making a decision based on averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $855
• Drivers who choose higher $1,000 deductibles will pay approximately $194 a year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,508
• Selecting low deductibles for comprehensive and collision insurance will cost an additional $386 annually
• Drivers with serious driving violations could pay up to $3,314 or more
• Policy cost that insures a 16-year-old driver can cost as much as $5,826 a year

View Chart as Image

Insurance rates for a Honda Civic also range considerably based on the trim level and model year, how you drive, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you could be paying $1,800 to $2,500 additional every year, depending on your age. Insurance for high-risk drivers can cost from 43% to 132% more than the average policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,400 per year on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay at least $5,800 a year. View Rates by Age

Your home state 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 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 could save up to $580 annually, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $375 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know which auto insurance is cheapest is to do a rate comparison from multiple companies. Every company calculates rates differently, and rates will be varied.

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 Cheap Honda Civic Insurance

Finding cheaper rates on insurance for a Honda Civic not only requires avoiding accidents and violations, but also having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Compare rates at least once a year by getting quotes from direct carriers, and also from your local independent and exclusive agents.

The list below is a brief summary of the primary concepts that were covered above.

• Drivers can save approximately $180 per year simply by quoting online in advance
• Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,810 more annually for car insurance
• Increasing comprehensive and collision deductibles can save approximately $575 each year
• Teenagers are expensive to insure, costing up to $486 each month if comprehensive and collision insurance is included

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.