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 including full coverage. Comprehensive insurance costs on average $256 a year, collision insurance costs $626, and liability coverage is estimated at $450. A policy with just liability insurance costs approximately $518 a year, and coverage for high-risk drivers costs $3,316 or more. 16-year-old drivers pay the highest rates at up to $5,808 a year.

Average premium for full coverage: $1,512

Price estimates by individual coverage:

Prices include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and Civic trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on car insurance rates. Rural areas have more infrequent comprehensive and collision claims than congested cities. The diagram below illustrates the difference between rural and urban areas on car insurance rates.

The ranges above highlight why it is important to get quotes based on a specific location and their own driving history, rather than using rate averages.

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

More Rate Details

The chart below breaks down 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 $1,314 every year
• The average price for the average middle-age driver with $500 deductibles is $1,512
• Buying low $100 deductibles for comp and collision coverage costs an extra $396 each year
• Drivers with multiple tickets or accidents could pay upwards of $3,316
• The price to insure a teenage driver may cost $5,808 each year

View Chart as Image

Insurance prices for a Honda Civic are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level of your Civic.

Opting for high physical damage deductibles can save as much as $600 a year, while buying higher liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $358 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may only pay around $1,400 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay upwards of $5,800 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying at a minimum $1,800 to $2,500 extra each year, depending on your age. A high-risk auto insurance policy ranges around 43% to 132% more than the average rate. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Honda Civic insurance rates. A good driver about age 40 could pay as low as $1,160 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,160 on average in Michigan, New York, and Louisiana.

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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 Shop for the Right Honda Civic Insurance

Getting lower rates on auto insurance takes avoiding accidents and claims, having good credit, being claim-free, and determing if full coverage is necessary. Set aside time to compare rates at every other renewal by getting price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The points below are a quick rundown of the concepts that were covered above.

• Drivers with reckless driving or DUI convictions may pay on average $1,800 more each year to insure a Honda Civic
• Drivers under the age of 20 pay the highest prices, possibly costing $484 a month if they have full coverage
• You may be able to save as much as $190 per year just by quoting early and online
• Increasing physical damage deductibles could save as much as $600 each year
• You may be able to save as much as $190 per year just by quoting early and online

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.