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 $1,508 a year for full coverage insurance. Comprehensive costs an estimated $248, collision insurance costs $610, and liability coverage is $470. Liability-only insurance costs around $536 a year, and high-risk driver insurance costs around $3,314. Teens pay the highest rates at up to $5,826 a year.

Average premium for full coverage: $1,508

Price estimates broken down by individual coverage:

Rate estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and for all Civic models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on the price of insurance. More rural locations have lower incidents of physical damage claims than cities with more traffic congestion. The example below illustrates how your location can change insurance prices.

The ranges above illustrate why everyone should compare rates quotes for a targeted area, rather than using averaged prices.

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

More Rate Details

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

• The cheapest rate after discounts is $855
• Raising to $1,000 deductibles will save approximately $194 each year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,508
• Selecting pricier low deductibles bumps up the cost to $1,894
• Unlucky drivers with serious driving violations could pay up to $3,314
• The price that insures a teenage driver for full coverage can cost as much as $5,826

View Chart as Image

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

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

A more mature driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,400 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged at least $5,800 a year. View Rates by Age

The state you live in also has a big influence on Honda Civic insurance rates. A middle-age driver might find prices as low as $990 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,030 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $580 a year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $375 extra every 12 months. 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 the Best Honda Civic Insurance

Getting lower rates on auto insurance consists of having a decent driving record, having a positive credit history, not filing small claims, and possibly higher deductibles. Compare rates every time your policy renews by getting rate quotes from direct insurance companies, and also from local insurance agencies.

The following items are a brief recap of the information illustrated above.

• It is possible to save approximately $180 per year just by quoting online well ahead of the renewal date
• 16 to 18-year-old drivers have the highest car insurance prices, as much as $486 a month if full coverage is purchased
• Increasing physical damage deductibles can save approximately $575 each year
• Drivers who tend to receive serious violations may have to pay on average $1,810 more annually than a driver with a clean driving record
• Consumers who want additional liability coverage will pay approximately $520 annually to raise 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.