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 $1,342 a year for full coverage. Comprehensive costs an estimated $200, collision insurance costs $442, and liability is estimated at $520. Liability-only insurance costs approximately $576 a year, and high-risk driver insurance costs around $2,936. 16-year-old drivers pay the highest rates at up to $5,334 a year.

Average premium for full coverage: $1,342

Price estimates broken down by individual coverage:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and for different Civic trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on insurance rates. More rural locations have lower incidents of accident claims than congested cities. The price range example below illustrates the difference between rural and urban areas on insurance prices.

The ranges above show why anyone shopping for car insurance should get quotes for a targeted area, instead of using rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $778
• Choosing higher $1,000 deductibles can save approximately $144 a year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,342
• Buying more expensive low deductibles for comp and collision coverage bumps up the cost to $1,630
• Unlucky drivers with multiple tickets or accidents could pay up to $2,936
• The price that insures a teen driver with full coverage can cost as much as $5,334 each year

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Car insurance prices for a Honda Civic are also quite variable based on the model year and trim level, how you drive, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you could be paying $1,600 to $2,300 extra each year, depending on your age. High-risk driver insurance ranges as much as 43% to 132% more than the average rate. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,300 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged at least $5,300 a year. View Rates by Age

The state you live in plays a big part in determining prices for Honda Civic insurance prices. A good driver about age 40 could pay as low as $890 a year in states like Iowa, Maine, and Idaho, or at least $1,910 on average in New York, Louisiana, and Michigan.

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Opting for high physical damage deductibles can save as much as $440 every year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Rates assume 2015 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

Getting lower rates on car insurance takes avoiding accidents and violations, having a positive credit history, eliminating unnecessary coverage, and possibly higher deductibles. Comparison shop at every other renewal by getting rate quotes from direct carriers, and also from your local independent and exclusive agents.

The list below is a summary of the concepts that were covered above.

• Higher risk drivers who have multiple accidents or major violations may pay on average $1,590 more annually for car insurance
• Teenagers have the highest car insurance prices, with premiums as much as $445 a month if full coverage is purchased
• Drivers can save approximately $160 per year just by shopping early and online
• Increasing physical damage deductibles can save approximately $425 each year
• Drivers can save approximately $160 per year just by shopping early and online

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.