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 $1,512 a year for full coverage insurance. Comprehensive insurance costs on average $256 each year, collision insurance costs $626, and liability insurance is estimated at $450. Liability-only coverage costs approximately $518 a year, and high-risk coverage costs $3,316 or more. 16-year-old drivers pay the most at up to $5,808 a year.

Average premium for full coverage: $1,512

Premium estimates by type of coverage:

Prices are based on $500 physical damage deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and Civic models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on insurance rates. Rural areas are statistically proven to have lower incidents of physical damage claims than congested cities. The graphic below illustrates how your location can change car insurance rates.

These rate differences illustrate why all drivers should get quotes based on a specific location, rather than relying on rate averages.

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

Detailed Rate Analysis

The chart below illustrates average Honda Civic insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $857
• Choosing higher $1,000 deductibles can save around $198 each year
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,512
• Buying low deductibles for comp and collision coverage will cost an additional $396 a year
• High-risk insureds with multiple tickets or accidents could pay upwards of $3,316
• An auto insurance policy that insures a teen driver may cost $5,808 each year

View Chart as Image

Insurance prices for a Honda Civic also have a wide range based on the trim level and model year, your age and driving record, and policy deductibles and limits.

If you have a few violations or you caused an accident, you are probably paying at a minimum $1,800 to $2,500 extra annually, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 132% more than the average rate. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,400 annually on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay upwards of $5,800 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Honda Civic insurance rates. A good driver about age 40 could pay as low as $990 a year in states like Vermont, Wisconsin, and North Carolina, or at least $2,040 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles can save as much as $600 each year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $358 more per year. 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

Finding better rates on Honda Civic insurance takes being a safe and courteous driver, having above-average credit, paying for small claims out-of-pocket, and determing if full coverage is necessary. Comparison shop every couple of years by getting rate quotes from direct insurance companies, and also from your local independent and exclusive agents.

Below is a brief review of the material that was illustrated above.

• Drivers who require higher levels of liability will pay around $500 annually to raise limits from 30/60 bodily injury limits to the 250/500 level
• Teenage drivers pay the highest prices, with premiums being up to $484 per month if full coverage is included
• High-risk drivers with DUI or reckless driving convictions may pay on average $1,800 more each year for auto insurance
• Increasing policy deductibles can save approximately $600 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.