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 prices for a Honda Civic are $1,512 every 12 months for full coverage. Comprehensive costs approximately $256, collision costs $626, and liability costs around $450. A policy with just liability insurance costs as low as $518 a year, with coverage for high-risk drivers costing around $3,316. Teen drivers pay the highest rates at $5,808 a year or more.

Average premium for full coverage: $1,512

Price estimates by individual coverage:

Includes $500 policy deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and for different Civic trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on car insurance rates. Rural locations have more infrequent accident claims than larger metro areas.

The price range example below illustrates the difference location can make on auto insurance prices.

The ranges above show why anyone shopping for car insurance should compare prices using their specific location and their own driving history, instead of using price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $857
• Using higher $1,000 deductibles will save $198 a year
• The average price for the average middle-age driver who chooses $500 deductibles is $1,512
• Choosing more expensive low deductibles for physical damage coverage increases the price to $1,908
• Drivers with multiple violations and an at-fault accident could pay around $3,316 or more
• The price to insure a teen driver with full coverage can cost $5,808 or more

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Insurance prices for a Honda Civic are also quite variable based on deductibles and policy limits, your driver profile, and the model of your Civic.

Choosing high deductibles could cut prices by as much as $600 every year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $358 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may pay as little as $1,400 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay in the ballpark of $5,800 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying anywhere from $1,800 to $2,500 extra each year, depending on your age. High-risk driver insurance can be as much as 43% to 132% more than average. View High Risk Driver Rates

The state you live in has a huge impact on Honda Civic insurance prices. A driver around age 40 might see prices as low as $1,000 a year in states like Iowa, Maine, and Idaho, or as much as $2,160 on average in New York, Louisiana, and Michigan.

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Since prices can be so different, the only way to know who has the cheapest car insurance prices is to compare prices and see which company has the best price. Each insurance company uses a different rate calculation, so the prices may be quite 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

Getting lower rates on car insurance requires being a good driver, having good credit, eliminating unnecessary coverage, and maximizing policy discounts. Make time to compare rates every time your policy renews by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following list is a recap of the information touched on in this article.

• Drivers can save around $190 per year simply by shopping early and online
• Drivers age 16 to 20 are expensive to insure, with premiums as much as $484 a month if they have full coverage
• Increasing physical damage deductibles could save as much as $600 each year
• Higher risk drivers that have major violations or accidents may pay on average $1,800 more per year than a safer driver
• Policyholders who purchase an increased level of liability coverage will pay about $500 each year to increase from a low limit 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.