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 costs $626, and liability is $450. A liability-only policy costs around $518 a year, with high-risk insurance costing $3,316 or more. Teen drivers pay the most at $5,808 a year or more.

Average premium for full coverage: $1,512

Premium estimates broken down by type of coverage:

Includes $500 deductible amounts, 30/60 split liability limits, and includes medical/PIP and uninsured motorist 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

Choosing to live in a large city can make a big difference on car insurance rates. More rural locations are statistically proven to have more infrequent collision claims than larger metro areas.

The diagram below illustrates the effect of geographic area on insurance prices.

These rate differences demonstrate why it is important to compare rates quotes for a targeted area and their own driving history, instead of making a decision based on price averages.

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

Additional Charts and Tables

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 $1,314 annually
• The average price for a 40-year-old good driver who has $500 deductibles is $1,512
• Choosing low $100 deductibles costs an extra $396 annually
• Drivers with multiple violations and an at-fault accident could pay up to $3,316 or more
• An auto insurance policy to insure a 16-year-old driver can cost as much as $5,808

View Chart as Image

Auto 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.

Choosing high deductibles can reduce prices by up to $600 annually, 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 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may pay as low as $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have 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 in extra premium annually, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 132% more than average. View High Risk Driver Rates

Where you choose to live also has a big influence on Honda Civic insurance prices. A middle-age driver might find prices 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 such a large range in prices, the best way to find out which insurance company is cheapest is to get quotes from multiple companies. Every auto insurance company uses a different rate calculation, and quoted prices will be substantially 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 Shop for the Cheapest Honda Civic Insurance

Finding better rates on insurance for a Honda Civic consists of having a good driving record, having a good credit score, being claim-free, and qualifying for all possible discounts. Take the time to compare rates at least every other year by getting quotes from direct companies, and also from your local independent and exclusive agents.

The next list is a recap of the car insurance concepts covered in the above illustrations.

• Drivers considered higher risk that have major violations or accidents may pay on average $1,800 more annually to buy Honda Civic insurance
• You may be able to save approximately $190 per year simply by quoting early and online
• Increasing policy deductibles could save as much as $600 each year
• Insureds who want increased levels of liability coverage will pay about $500 every year to raise from 30/60 bodily injury limits to a 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.