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.

The average insurance rates for a Honda Civic are $1,508 a year for full coverage. Comprehensive costs on average $248 each year, collision insurance costs $610, and liability insurance is $470. A liability-only policy costs around $536 a year, and high-risk insurance costs around $3,314. 16-year-old drivers cost the most to insure at up to $5,826 a year.

Average premium for full coverage: $1,508

Policy rates by type of insurance:

Rate estimates include $500 deductible amounts, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and Civic models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on car insurance rates. Rural areas are shown to have lower incidents of accident claims than congested cities. The graphic below illustrates how geographic area affects car insurance rates.

The examples above show why all drivers should compare rates quotes based on a specific location, rather than relying on rate averages.

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

More Rate Information

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

• The best full coverage rate is $855
• Raising to $1,000 deductibles will save around $194 a year
• The estimated price for a good driver age 40 with $500 deductibles is $1,508
• Buying low deductibles bumps up the cost to $1,894
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $3,314
• Policy cost that insures a teen driver may cost $5,826

View Chart as Image

Car insurance rates for a Honda Civic also range considerably based on the trim level and model year, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,800 to $2,500 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 132% more than the average rate. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged upwards of $5,800 a year. View Rates by Age

Your home state also has a big influence on Honda Civic insurance rates. A middle-age driver might find rates as low as $990 a year in states like Idaho, Maine, and Iowa, or at least $2,150 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $580 each year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $375 extra every 12 months. 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 the Best Honda Civic Insurance

Finding cheaper rates on Honda Civic insurance consists of having a good driving record, having a positive credit history, avoid buying unnecessary coverage, and possibly raising deductibles. Comparison shop at every policy renewal by getting quotes from direct carriers, and also from local exclusive and independent agents.

The next list is a brief recap of the data presented in the illustrations above.

• Drivers who require increased levels of liability coverage will pay around $520 each year to raise from a 30/60 limit to the 250/500 level
• Drivers can save as much as $180 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $575 each year
• Drivers age 20 and younger are expensive to insure, costing up to $486 each month if full coverage is purchased

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.