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.

U.S. average insurance prices for a Honda Civic are $1,512 every 12 months for full coverage. Comprehensive insurance costs approximately $256 a year, collision costs $626, and liability is estimated at $450. Liability-only insurance costs approximately $518 a year, with high-risk driver insurance costing $3,316 or more. Teen drivers pay the highest rates at $5,808 a year or more.

Average premium for full coverage: $1,512

Price estimates by individual coverage:

Rate estimates include $500 deductible amounts, minimum liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all states and Civic trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on car insurance rates. Rural locations have more infrequent accident claims than larger metro areas.

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

The ranges above show why it is important to get quotes using their specific location and their own driving history, 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 shows estimated Honda Civic insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $857
• Choosing higher $1,000 deductibles can save $1,314 a year
• The average price for the average middle-age driver who chooses $500 deductibles is $1,512
• Choosing low $100 deductibles for comp and collision coverage costs an extra $396 annually
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $3,316 or more
• The price to insure a 16-year-old driver can cost $5,808 each year

View Chart as Image

Car insurance prices for a Honda Civic are also quite variable based on deductibles and policy limits, your driver profile, and the model of your Civic.

Choosing high deductibles can save as much as $600 annually, while buying higher liability limits will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $358 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as low as $1,400 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged in the ballpark of $5,800 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying anywhere from $1,800 to $2,500 extra each year, depending on your age. A high-risk auto insurance policy ranges from 43% to 132% more than average. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Honda Civic insurance prices. A good driver about age 40 could pay as low as $1,000 a year in states like Iowa, Maine, and Idaho, or as much as $2,160 on average in New York, Louisiana, and Michigan.

View Chart as Image

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to get quotes from multiple companies. Each auto insurer uses a different rate calculation, so rate quotes may be quite different.

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 Shop for the Best Honda Civic Insurance

Getting lower rates on insurance for a Honda Civic takes having a good driving record, maintaining a good credit score, eliminating unnecessary coverage, and avoiding coverage lapses. Take the time to comparison shop every couple of years by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The next list is a brief recap of the material that was touched on in the above illustrations.

• Insureds who purchase increased levels of liability coverage will pay about $500 each year to raise limits from a low limit to a 250/500 level
• Drivers age 20 and younger pay the highest auto insurance prices, with premiums as much as $484 a month if the policy includes full coverage
• Drivers considered higher risk who tend to receive serious violations may pay on average $1,800 more per year to buy Honda Civic insurance
• Increasing physical damage deductibles could save as much as $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.