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 $1,512 a year for full coverage insurance. Comprehensive costs an estimated $256, collision insurance costs $626, and liability insurance is estimated at $450. A liability-only policy costs approximately $518 a year, and high-risk insurance costs around $3,316. Teens cost the most to insure at up to $5,808 a year.

Average premium for full coverage: $1,512

Policy rates broken down by type of insurance:

Prices include $500 policy deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and for all Civic models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of insurance. More rural locations are shown to have a lower frequency of physical damage claims than cities with more traffic congestion. The example below illustrates how location helps determine insurance prices.

The examples above illustrate why everyone should get 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.

More Rate Details

The chart below illustrates average Honda Civic insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $857
• Choosing higher $1,000 deductibles can save approximately $198 each year
• The average rate for a good driver age 40 who has $500 deductibles is $1,512
• Selecting pricier low deductibles for comp and collision coverage will increase the cost to $1,908
• High-risk insureds with serious driving violations could pay up to $3,316
• Policy cost for full coverage for a teen driver for full coverage can cost as much as $5,808 each year

View Chart as Image

Car insurance rates for a Honda Civic also range considerably based on your risk profile, the model year and trim level, and liability limits and deductibles.

A more mature driver with no driving violations and high deductibles could pay as little as $1,400 annually on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged at least $5,800 a year. View Rates by Age

Your home state plays a big part in determining prices for Honda Civic insurance rates. A good driver about age 40 could pay as low as $990 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,040 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $600 each year, whereas buying more liability protection will increase premiums. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $358 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying $1,800 to $2,500 extra every year, depending on your age. Honda Civic insurance for high-risk drivers ranges 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 the Right Honda Civic Insurance

Finding cheaper rates on Honda Civic insurance takes being safe and accident-free, having above-average credit, being claim-free, and possibly higher deductibles. Invest time comparing rates every couple of years by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below you'll find a quick rundown of the material that was covered in the charts and tables above.

• Drivers who want more liability protection will pay approximately $500 annually to raise limits from a 30/60 limit to 250/500 limits
• Youthful drivers have the highest car insurance rates, possibly costing $484 each month if full coverage is included
• High-risk drivers with reckless driving or DUI convictions pay on average $1,800 more annually than a low-risk driver
• Increasing comprehensive and collision deductibles can save around $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.