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 insurance rates for a Honda Civic are $1,512 a year for full coverage insurance. Comprehensive costs around $256 each year, collision insurance costs $626, and liability is $450. Liability-only coverage costs around $518 a year, and high-risk coverage costs around $3,316. Teen drivers receive the highest rates at up to $5,808 a year.

Average premium for full coverage: $1,512

Rate estimates for individual coverage type:

Prices are based on $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and Civic models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on car insurance rates. Areas with sparse population tend to have lower incidents of physical damage claims than larger metro areas. The graphic below illustrates the difference location can make on auto insurance rates.

These examples illustrate why all drivers should compare rates quotes for a specific zip code, instead of making a decision based on price averages.

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

More Rate Details

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

• The lowest rate with discounts is $857
• Raising to $1,000 deductibles will save about $198 each year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,512
• Choosing low deductibles bumps up the cost to $1,908
• Drivers with multiple violations and an at-fault accident could pay at least $3,316
• The cost that insures a 16-year-old driver can be $5,808

View Chart as Image

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

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

More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,400 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will be charged as much as $5,800 a year. View Rates by Age

Where you live also has a big influence on Honda Civic insurance prices. A middle-age driver might find rates as low as $990 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $2,040 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing high deductibles can reduce rates by up to $600 annually, whereas increasing liability limits will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $358 extra every 12 months. View Rates by Deductible or Liability Limit

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 Affordable Honda Civic Insurance

Saving money on insurance for a Honda Civic consists of having a decent driving record, having a positive credit history, avoid buying unnecessary coverage, and consideration of higher deductibles. Shop around every year by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following items are a brief review of the coverage data touched on in this article.

• It is possible to save up to $190 per year just by quoting online in advance
• Increasing deductibles can save approximately $600 each year
• 16 to 18-year-old drivers are the costliest to insure, costing up to $484 per month if full coverage is purchased
• Drivers considered higher risk with DUI or reckless driving convictions could be forced to pay on average $1,800 more every year than a driver with a clean driving record

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.