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.

Estimated insurance prices for a Honda Civic are $1,512 every 12 months with full coverage. Comprehensive insurance costs an estimated $256 a year, collision insurance costs $626, and liability coverage is estimated at $450. Liability-only insurance costs approximately $518 a year, and high-risk driver insurance costs $3,316 or more. 16-year-old drivers pay the most at up to $5,808 a year.

Average premium for full coverage: $1,512

Premium estimates broken down by type of coverage:

Rates are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all U.S. states and Civic trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on car insurance rates. More rural locations are statistically proven to have more infrequent collision claims than congested cities. The diagram below illustrates how your location can change insurance prices.

These rate differences demonstrate why it is important to get quotes for a targeted area 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 details average Honda Civic insurance rates for other coverage scenarios.

• The best full coverage rate is $857
• Choosing higher $1,000 deductibles can save approximately $1,314 annually
• The average price for a 40-year-old good driver who has $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 up to $3,316
• An auto insurance policy to insure a teenage driver can cost as much as $5,808 each year

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Insurance prices for a Honda Civic also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model year and trim level.

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

Older drivers with no violations or accidents and higher deductibles may only pay around $1,400 annually on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay at least $5,800 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out $1,800 to $2,500 additional annually, 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

Where you choose to live plays a big part in determining prices for Honda Civic insurance rates. A good driver about age 40 could pay as low as $1,090 a year in states like Utah, Ohio, and New Hampshire, or at least $2,040 on average in New York, Michigan, and Florida.

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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 Best Cheap Honda Civic Insurance

Finding better rates on auto insurance takes avoiding accidents and violations, having above-average credit, being claim-free, and possibly raising deductibles. Invest the time to shop around at every policy renewal by requesting rates from direct companies, and also from your local independent and exclusive agents.

The list below is a quick review of the data illustrated above.

• Consumers who want higher liability limits will pay around $500 every year to raise limits from 30/60 bodily injury limits to a 250/500 level
• You may be able to save approximately $190 per year just by quoting early and online
• Increasing policy deductibles could save as much as $600 each year
• Teenagers are expensive to insure, possibly costing $484 per month if full coverage is included

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.