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 insurance rates for a Honda Civic are $1,512 a year for full coverage. Comprehensive costs an estimated $256 a year, collision costs $626, and liability coverage is $450. A liability-only policy costs around $518 a year, with high-risk insurance costing around $3,316. 16-year-old 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:

Prices include $500 deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all states and Civic trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on insurance rates. More rural locations tend to have lower incidents of accident claims than congested cities.

The diagram below illustrates the difference between rural and urban areas on insurance prices.

These examples show why it is important to compare rates quotes for a targeted area, rather than using rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $857
• Raising to $1,000 deductibles will save approximately $1,314 a year
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,512
• Buying low $100 deductibles bumps up the cost to $1,908
• Unlucky drivers with multiple tickets or accidents could pay up to $3,316 or more
• The cost that insures a teenage driver can cost as much as $5,808

View Chart as Image

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

If you like to drive fast or you caused an accident, you could be paying $1,800 to $2,500 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 132% more than the average rate. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,400 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay at least $5,800 a year. View Rates by Age

Where you live also has a big influence on Honda Civic insurance rates. A middle-age driver might find rates as low as $1,000 a year in states like Iowa, Maine, and Idaho, or at least $2,160 on average in New York, Louisiana, and Michigan.

View Chart as Image

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

With so much variability in rates, the only way to know which company is cheapest is to get quotes and see how they stack up. Every auto insurance company utilizes a different rate formula, so the rates can be significantly different.

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

Saving money on auto insurance consists of not taking risks behind the wheel, having above-average credit, eliminating unneeded coverage, and taking advantage of discounts. Comparison shop every time your policy renews by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following is a quick rundown of the information covered above.

• Drivers can save approximately $190 per year simply by quoting early and online
• Teens are charged the highest rates, costing as high as $484 per month if full coverage is included
• Increasing deductibles can save approximately $600 each year
• Drivers with reckless driving or DUI convictions may pay on average $1,800 more annually for Civic insurance
• Consumers who want higher liability limits will pay around $500 each year to raise from a minimum 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.