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 insurance rates for a Honda Civic are $1,512 a year for full coverage. Comprehensive costs an estimated $256, collision insurance costs $626, and liability insurance is $450. Buying just liability costs around $518 a year, and insurance for high-risk drivers costs around $3,316. Teens receive the highest rates at up to $5,808 a year.

Average premium for full coverage: $1,512

Rate estimates broken down by individual coverage type:

Estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all states and for different Civic trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on insurance rates. More rural locations tend to have a lower frequency of accident claims than cities with more traffic congestion. The price range example below illustrates how location helps determine insurance prices.

These examples show why anyone shopping for car insurance should compare rates quotes for a targeted area and risk profile, rather than relying on averaged prices.

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 other coverage scenarios.

• The cheapest rate after discounts is $857
• Raising to $1,000 deductibles will save approximately $198 a year
• The average rate for a 40-year-old driver who has $500 deductibles is $1,512
• Selecting more expensive low deductibles will increase the cost to $1,908
• Higher-risk drivers with serious driving violations could pay up to $3,316
• The cost for full coverage for a teen driver with full coverage can cost as much as $5,808

View Chart as Image

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

An older driver with a good driving record and high deductibles could pay as little as $1,400 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay at least $5,800 a year. View Rates by Age

Where you live also has a big influence on Honda Civic insurance rates. A middle-age driver might find rates as low as $1,000 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,160 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $600 each year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost as much as $358 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying $1,800 to $2,500 in extra premium per year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 132% more than the average policy. View High Risk Driver Rates

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 Low Cost Honda Civic Insurance

Saving money on Honda Civic insurance consists of having a decent driving record, having good credit, eliminating unneeded coverage, and consideration of higher deductibles. Invest time comparing rates every other policy renewal by requesting quotes from direct carriers like GEICO and Progressive, and also from local independent and exclusive agents.

The following items are a review of the ideas that were covered in the charts and tables above.

• 16 to 18-year-old drivers are the costliest to insure, costing as high as $484 per month if they have full coverage
• High-risk drivers who have several accidents or serious violations pay an average of $1,800 more annually than a driver with a clean driving record
• Increasing deductibles can save around $600 each year
• Drivers can save approximately $190 per year just by shopping 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.