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 auto insurance rates for a Honda Civic are $1,508 annually for full coverage insurance. Comprehensive costs an estimated $248, collision costs $610, and liability insurance is estimated at $470. Liability-only insurance costs approximately $536 a year, with high-risk driver insurance costing around $3,314. 16-year-old drivers pay the most at $5,826 a year or more.

Average premium for full coverage: $1,508

Premium estimates broken down by type of coverage:

Price estimates include $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and for all Civic models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on the price of insurance. More rural locations are statistically proven to have fewer physical damage claims than congested cities.

The example below illustrates how your location can change insurance prices.

These rate differences illustrate why everyone should get quotes for a targeted area and their own personal driving habits, rather than relying on rate averages.

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

Rates by State, City, and Model

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

• The best full coverage rate is $855
• Choosing higher $1,000 deductibles can save approximately $194 each year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,508
• Buying pricier low deductibles for comp and collision coverage will cost $1,894
• High-risk insureds with multiple tickets or accidents could pay up to $3,314 or more
• An auto insurance policy with full coverage for a teen driver for full coverage can cost as much as $5,826 each year

View Chart as Image

Insurance prices for a Honda Civic also have a wide range based on the model of your Civic, your risk profile, and liability limits and deductibles.

A more mature driver with no violations or accidents and high physical damage deductibles could pay as little as $1,400 annually on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, 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 have a few violations or you caused a few accidents, you are probably paying $1,800 to $2,500 additional annually, depending on your age. Honda Civic insurance for high-risk drivers ranges anywhere from 43% to 132% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $580 each year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $375 more each year. View Rates by Deductible or Liability Limit

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 $990 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,030 on average in Florida, New York, and Michigan.

View Chart as Image

With such a large range in prices, the only way to figure out which insurance company is cheapest is to regularly compare prices from as many companies as possible. Each auto insurer utilizes a different rate formula, and prices will be substantially 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

Finding better rates on Honda Civic insurance takes avoiding accidents and claims, having good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Invest the time to shop around every time your policy renews by requesting quotes from direct insurance companies, and also from your local independent and exclusive agents.

The points below are a condensed summary of the information illustrated above.

• It is possible to save approximately $180 per year simply by quoting online well ahead of the renewal date
• Drivers under the age of 20 are expensive to insure, with premiums being up to $486 per month if they have full coverage
• Increasing policy deductibles could save up to $575 each year
• High-risk drivers with multiple at-fault accidents may pay on average $1,810 more annually to insure a Honda Civic
• Drivers who want increased liability limits will pay around $520 annually to raise limits from 30/60 bodily injury limits to higher 250/500 limits

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.