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 $1,512 annually for full coverage. Comprehensive insurance costs around $256, collision insurance costs $626, and liability costs $450. Buying just liability costs as little as $518 a year, and insurance for high-risk drivers costs $3,316 or more. 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:

These estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all states and for all Civic models.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on auto insurance rates. Areas with sparse population tend to have fewer accident claims than larger metro areas. The example below illustrates how geographic area affects auto insurance rates.

These examples show why everyone should compare rates for a specific zip code and their own personal driving habits, instead of making a decision based on price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $857
• Drivers who choose higher $1,000 deductibles will pay about $198 a year
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,512
• Choosing pricier low deductibles for comprehensive and collision insurance costs an additional $396 annually
• Drivers with multiple violations and an at-fault accident could pay at least $3,316
• The cost with full coverage for a 16-year-old driver for full coverage can be $5,808 a year

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Auto insurance rates for a Honda Civic can also vary considerably based on the trim level of your Civic, your driver profile, and deductibles and policy limits.

A more mature driver with a good driving record and high physical damage deductibles may pay as low as $1,400 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay as much as $5,800 a year. View Rates by Age

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

Choosing high deductibles could save up to $600 annually, whereas buying more liability protection will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $358 extra every year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Honda Civic insurance prices. A 40-year-old driver could pay as low as $1,000 a year in states like Idaho, Maine, and Iowa, or as much as $2,160 on average in Michigan, Louisiana, and New York.

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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 Cheap Honda Civic Insurance

Saving money on insurance for a Honda Civic not only requires being a safe and courteous driver, but also having above-average credit, eliminating unneeded coverage, and possibly raising deductibles. Invest the time to compare rates every other policy renewal by requesting quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.

Below is a brief summary of the ideas that were presented in the illustrations above.

• Teenage drivers are expensive to insure, costing as high as $484 per month if full coverage is included
• Drivers considered higher risk that tend to have accidents or serious violations pay an average of $1,800 more every year for auto insurance
• Increasing deductibles could save up to $600 each year
• Drivers can save up to $190 per year just by quoting online well ahead of the renewal date

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.