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.

The average insurance rates for a Honda Civic are $1,512 a year including full coverage. Comprehensive insurance costs around $256, collision costs $626, and liability is $450. Buying just liability costs around $518 a year, with insurance for high-risk drivers costing $3,316 or more. Teenage drivers cost the most to insure at $5,808 a year or more.

Average premium for full coverage: $1,512

Policy rates for type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all Civic models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than densely populated cities.

The example below illustrates how location impacts auto insurance rates.

The examples above highlight why everyone should compare rates quotes for a specific zip code, instead of making a decision based on average rates.

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 additional coverage choices and driver risks.

• The best discount rate is $857
• Raising to $1,000 deductibles will save about $198 every year
• The estimated price for a good driver age 40 using $500 deductibles is $1,512
• Using pricier low deductibles will cost an additional $396 annually
• Drivers who are prone to accidents and violations could pay at least $3,316 or more
• Policy cost that insures a 16-year-old driver for full coverage can be $5,808

View Chart as Image

Insurance rates for a Honda Civic also range considerably based on the model of your Civic, your driving record and age, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,800 to $2,500 extra every year, depending on your age. Honda Civic insurance for high-risk drivers is expensive and can cost from 43% to 132% more than a normal policy. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay as much as $5,800 a year. View Rates by Age

Your home state also has a big influence on Honda Civic insurance prices. A middle-age driver might find rates as low as $1,160 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,160 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $600 annually, whereas buying more liability protection will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $358 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out your exact price is to regularly compare rates from multiple companies. Every auto insurance company uses a different method to calculate rates, so the rates will be varied.

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 More Affordable Honda Civic Insurance

Finding cheaper rates on insurance for a Honda Civic consists of having a decent driving record, having above-average credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Compare prices at least once a year by getting quotes from direct car insurance companies, and also from local insurance agencies.

The following items are a summary of the primary concepts that were touched on above.

• You may be able to save up to $190 per year simply by quoting online well ahead of the renewal date
• Drivers considered higher risk who have multiple accidents or major violations may have to pay on average $1,800 more every year than a driver with a clean driving record
• Increasing comprehensive and collision deductibles can save approximately $600 each year
• 16 to 18-year-old drivers pay higher rates, with premiums being up to $484 each month if full coverage is included

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.