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 $1,508 annually for full coverage. Comprehensive insurance costs approximately $248, collision costs $610, and liability coverage is $470. Liability-only coverage costs around $536 a year, with high-risk coverage costing $3,314 or more. Teens receive the highest rates at $5,826 a year or more.

Average premium for full coverage: $1,508

Rate estimates by individual coverage type:

Includes $500 deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates are averaged for all 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. Rural locations tend to have fewer accident claims than cities with more traffic congestion.

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

These examples show why everyone should compare rates quotes using their specific location and their own personal driving habits, rather than using averaged prices.

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

More Rate Details

The chart below shows estimated Honda Civic insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $855
• Raising to $1,000 deductibles will save $194 a year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,508
• Selecting pricier low deductibles costs an additional $386 each year
• Unlucky drivers with serious driving violations could pay around $3,314 or more
• The cost with full coverage for a teenage driver for full coverage can cost $5,826

View Chart as Image

Car insurance rates for a Honda Civic can also vary considerably based on the trim level of your Civic, your driver profile, and physical damage deductibles and liability limits.

A more mature driver with no driving violations and high physical damage deductibles may only pay around $1,400 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged in the ballpark of $5,800 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying anywhere from $1,800 to $2,500 extra per 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

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $580 a year, whereas buying more liability protection will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $375 extra every 12 months. 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 $990 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,150 on average in New York, Louisiana, and Michigan.

View Chart as Image

With so much variability in rates, the only way to know who has the cheapest car insurance rates is to regularly compare rates and see how they stack up. Every auto insurance company calculates rates differently, so rate quotes 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 the Cheapest Honda Civic Insurance

Saving money on auto insurance consists of not taking risks behind the wheel, having a good credit score, eliminating unneeded coverage, and avoiding coverage lapses. Take the time to compare rates every year by getting rate quotes from direct carriers like Progressive and GEICO, and also from several local insurance agents.

The following is a recap of the coverage data covered in the above illustrations.

• Drivers can save around $180 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles could save up to $575 each year
• Teens pay the highest auto insurance rates, costing as high as $486 per month if comprehensive and collision insurance is included
• Drivers that have major violations or accidents pay on average $1,810 more per year for Civic insurance

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.