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 $1,508 a year including full coverage. Comprehensive costs an estimated $248 a year, collision costs $610, and liability costs around $470. A policy with just liability insurance costs as low as $536 a year, with coverage for high-risk drivers costing around $3,314. Teen drivers receive the highest rates at $5,826 a year or more.

Average premium for full coverage: $1,508

Rate estimates broken down by individual coverage type:

Price estimates include $500 policy deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Civic trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on the price of auto insurance. More rural locations tend to have a lower frequency of comprehensive and collision claims than larger metro areas.

The diagram below illustrates how geographic area affects insurance prices.

These examples highlight why it is important to compare prices for a targeted area and risk profile, instead of using price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $855
• Using higher $1,000 deductibles will save approximately $1,314 every year
• The average rate for a 40-year-old driver who has $500 deductibles is $1,508
• Choosing low $100 deductibles for physical damage coverage will increase the cost to $1,894
• Drivers with multiple violations and an at-fault accident could pay up to $3,314 or more
• The cost for full coverage for a teen driver can cost as much as $5,826 or more

View Chart as Image

Insurance rates for a Honda Civic can also vary considerably based on your driver profile, the model of your Civic, and liability limits and deductibles.

Older drivers with no violations or accidents and high deductibles may pay as little as $1,400 a year for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay at least $5,800 a year. View Rates by Age

Where you live has a huge impact on Honda Civic insurance prices. A driver around age 40 might see rates as low as $1,160 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,150 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles could cut rates by as much as $580 every year, while buying higher liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost as much as $375 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying $1,800 to $2,500 additional per year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 132% more than average. View High Risk Driver Rates

With so much variability in rates, the best way to figure out which company is cheapest is to get quotes and see which company has the best rate. Each insurance company uses a different rate calculation, and rates can be significantly different from one company to the next.

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 Cheaper Honda Civic Insurance

Saving money on car insurance requires being a good driver, having a good credit history, not filing small claims, and maximizing policy discounts. Invest the time to compare rates every couple of years by requesting rates from direct car insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.

The following list is a condensed summary of the material that was presented in the illustrations above.

• Policyholders who want an increased level of liability coverage will pay about $520 per year to increase from a minimum limit to 250/500 limits
• Drivers age 16 to 20 are expensive to insure, as much as $486 per month including comprehensive and collision insurance
• Higher risk drivers with multiple at-fault accidents may pay on average $1,810 more annually than a safer driver
• Increasing deductibles can save around $575 each year

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.