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 auto insurance rates for a Honda Civic are $1,512 annually with full coverage. Comprehensive insurance costs an estimated $256, collision costs $626, and liability coverage is $450. A policy with just liability insurance costs around $518 a year, with coverage for high-risk drivers costing $3,316 or more. Teen drivers receive the highest rates at $5,808 a year or more.

Average premium for full coverage: $1,512

Rate estimates broken down by individual coverage type:

Price estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and for all Civic models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. More rural locations tend to have fewer collision claims than larger metro areas.

The example below illustrates how location impacts insurance prices.

These examples demonstrate why everyone should compare rates quotes for a targeted area and their own personal driving habits, rather than using price averages.

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

Rate Comparisons

The chart below details estimated Honda Civic insurance rates for other coverage scenarios.

• The lowest rate with discounts is $857
• Raising to $1,000 deductibles will save approximately $198 annually
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,512
• Choosing pricier low deductibles costs an additional $396 each year
• Unlucky drivers with multiple violations and an at-fault accident could pay up to $3,316 or more
• The cost with full coverage for a teenage driver for full coverage can cost as much as $5,808

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Insurance rates for a Honda Civic can also vary considerably based on the trim level of your Civic, your driving record, and liability limits and deductibles.

A more mature driver with no violations or accidents and high physical damage deductibles may only pay around $1,400 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay at least $5,800 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out $1,800 to $2,500 additional per year, depending on your age. Honda Civic insurance for high-risk drivers is expensive and can cost around 43% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $600 a year, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $358 more each year. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Honda Civic insurance rates. A middle-age driver might find rates as low as $1,090 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,040 on average in New York, Michigan, and Florida.

View Chart as Image

With so much variability in rates, the best way to find out which company is cheapest is to regularly compare rates and see how they stack up. Every auto insurance company uses a different rate calculation, and rates can be significantly different between companies.

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 Buy Cheaper Honda Civic Insurance

Saving money on auto insurance consists of being a low-risk driver, having good credit, eliminating unnecessary coverage, and maximizing policy discounts. Spend time shopping around at every other renewal by requesting quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.

The items below are a condensed summary of the concepts that were touched on above.

• Drivers with multiple at-fault accidents pay on average $1,800 more annually to insure their Civic
• Teen drivers are expensive to insure, with premiums as much as $484 per month if they have full coverage
• You may be able to save approximately $190 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles could save up to $600 each year
• You may be able to save approximately $190 per year simply by quoting online well ahead of the renewal date

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.