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 rates for a Honda Civic are $1,512 a year including full coverage. Comprehensive insurance costs an estimated $256, collision insurance costs $626, and liability costs around $450. Liability-only coverage costs as low as $518 a year, and high-risk coverage costs $3,316 or more. Teens pay the highest rates at up to $5,808 a year.

Average premium for full coverage: $1,512

Price estimates broken down by individual coverage:

Price estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and for all Civic models.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on the price of auto insurance. More rural locations have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The example below illustrates how where you live affects insurance prices.

The ranges above highlight why everyone should compare prices for a targeted area, instead of using averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $857
• Using higher $1,000 deductibles will save approximately $198 every year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,512
• Selecting pricier low deductibles for physical damage coverage will cost an additional $396 every year
• Drivers with serious driving violations could pay up to $3,316
• The price that insures a teen driver for full coverage can cost as much as $5,808 or more

View Chart as Image

Auto insurance prices for a Honda Civic are also quite variable based on the model of your Civic, your driving record and age, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are likely paying $1,800 to $2,500 in extra premium each year, depending on your age. Honda Civic insurance for high-risk drivers can be as much as 43% to 132% more than the average policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,400 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay at least $5,800 a year. View Rates by Age

The state you live in has a huge impact on Honda Civic insurance prices. A driver around age 40 might see prices as low as $1,160 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,160 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $600 every year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $358 extra every year. 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 Cheaper Honda Civic Insurance

Getting lower rates on car insurance requires being a low-risk driver, maintaining a good credit score, being claim-free, and consideration of higher deductibles. Compare rates at least every other year by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.

The items below are a condensed summary of the car insurance concepts touched on in the above illustrations.

• Higher risk drivers with multiple at-fault accidents could be charged and average of $1,800 more annually to insure their Civic
• You may be able to save approximately $190 per year just by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save approximately $600 each year
• Policyholders who want more liability coverage will pay approximately $500 per year to increase from a low limit to the 250/500 level

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.