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 insurance rates for a Honda Civic are $1,508 a year with full coverage. Comprehensive costs approximately $248 each year, collision costs $610, and liability is $470. Liability-only coverage costs around $536 a year, with high-risk coverage costing around $3,314. 16-year-old drivers pay the most at $5,826 a year or more.

Average premium for full coverage: $1,508

Premium estimates by type of coverage:

Price estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes 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

Choosing to live in a large city can make a big difference on the price of insurance. Rural locations are statistically proven to have a lower frequency of collision claims than congested cities.

The graphic below illustrates how where you live affects auto insurance prices.

These rate differences demonstrate why all drivers should compare rates quotes using their specific location and risk profile, instead of making a decision based on rate averages.

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

More Rate Details

The chart below details estimated Honda Civic insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $855
• Raising to $1,000 deductibles will save $194 annually
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,508
• Buying low deductibles will increase the cost to $1,894
• Drivers with multiple tickets or accidents could pay around $3,314 or more
• An auto insurance policy for full coverage for a 16-year-old driver can cost $5,826

View Chart as Image

Insurance prices for a Honda Civic also have a wide range based on your driving characteristics, the trim level and model year, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high deductibles may pay as low as $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay in the ballpark of $5,800 a year. View Rates by Age

Where you choose to live also has a big influence on Honda Civic insurance prices. A middle-age driver might find prices as low as $1,090 a year in states like Utah, Ohio, and New Hampshire, or at least $2,030 on average in New York, Michigan, and Florida.

View Chart as Image

Opting for high physical damage deductibles can reduce prices by up to $580 annually, whereas increasing liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will cost up to $375 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out anywhere from $1,800 to $2,500 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 132% more than the average rate. View High Risk Driver Rates

With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to do a rate comparison from multiple companies. Every auto insurance company utilizes a different rate formula, so the prices will be substantially different from one company to the next.

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 Cheaper Honda Civic Insurance

Finding better rates on insurance for a Honda Civic consists of avoiding accidents and violations, maintaining good credit, being claim-free, and maximizing policy discounts. Take the time to comparison shop at least every other year by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The list below is a condensed summary of the car insurance concepts touched on in the above illustrations.

• Drivers considered higher risk with multiple at-fault accidents pay on average $1,810 more per year for car insurance
• You may be able to save around $180 per year simply by quoting online in advance
• Increasing policy deductibles can save around $575 each year
• Insureds who purchase higher liability limits will pay around $520 every year to raise from 30/60 bodily injury limits to 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.