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.

Average auto insurance rates for a Honda Civic are $1,508 annually including full coverage. Comprehensive costs around $248, collision costs $610, and liability insurance is $470. Liability-only coverage costs around $536 a year, with high-risk coverage costing around $3,314. Teen drivers receive the highest rates at $5,826 a year or more.

Average premium for full coverage: $1,508

Rate estimates for individual coverage type:

Price estimates include $500 deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for all Civic models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on the price of insurance. Areas with sparse population tend to have fewer comprehensive and collision claims than larger metro areas.

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

These examples highlight why everyone should compare rates quotes for a specific zip code and their own personal driving habits, rather than relying on price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $855
• Raising to $1,000 deductibles will save about $194 every year
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,508
• Choosing pricier low deductibles will cost $1,894
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,314 or more
• The cost with full coverage for a teen driver for full coverage can be $5,826

View Chart as Image

Car insurance rates for a Honda Civic can also vary considerably based on the trim level of your Civic, your driving characteristics, and deductibles and policy limits.

A more mature driver with no driving violations and high physical damage deductibles could pay as little as $1,400 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged as much as $5,800 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying at least $1,800 to $2,500 extra per year, depending on your age. Honda Civic insurance for high-risk drivers is expensive and can cost anywhere from 43% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $580 each year, whereas buying more liability protection will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $375 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Honda Civic insurance rates. A middle-age driver might find rates as low as $1,160 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,150 on average in Michigan, New York, and Louisiana.

View Chart as Image

With so much variability in rates, the best way to figure out your exact price is to regularly compare rates from as many companies as possible. Every auto insurance company uses a different rate calculation, so rate quotes can be significantly different between companies.

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

Saving money on Honda Civic insurance consists of not taking risks behind the wheel, having a good credit score, not filing small claims, and qualifying for all possible discounts. Set aside time to shop around every couple of years by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

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

• Drivers who may need higher liability limits will pay about $520 per year to raise from a minimum limit to higher 250/500 limits
• Teens are the costliest to insure, as much as $486 per month if comprehensive and collision insurance is included
• High-risk drivers with multiple at-fault accidents may pay on average $1,810 more every year for Civic insurance
• Increasing deductibles could save up to $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.