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 $1,512 a year for full coverage. Comprehensive insurance costs an estimated $256 a year, collision costs $626, and liability insurance is estimated at $450. A policy with just liability insurance costs approximately $518 a year, with coverage for high-risk drivers costing $3,316 or more. Teen drivers receive the highest rates at $5,808 a year or more.

Average premium for full coverage: $1,512

Rate estimates broken down by individual coverage type:

Includes $500 deductible amounts, liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all states and Civic trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on insurance rates. More rural locations tend to have lower incidents of accident claims than larger metro areas.

The diagram below illustrates the difference location can make on insurance prices.

These examples show why it is important to get quotes for a targeted area, rather than relying on price averages.

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

More Rate Details

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

• The lowest rate with discounts is $857
• Choosing higher $1,000 deductibles can save approximately $1,314 a year
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,512
• Choosing low $100 deductibles for comp and collision coverage will cost an additional $396 a year
• High-risk insureds with multiple violations and an at-fault accident could pay up to $3,316 or more
• The cost that insures a teen driver can cost as much as $5,808 each year

View Chart as Image

Insurance rates for a Honda Civic can also vary considerably based on the trim level of your Civic, how you drive, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you could be paying $1,800 to $2,500 additional per year, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 132% more than average. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,400 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay at least $5,800 a year. View Rates by Age

Where you live plays a big part in determining prices for Honda Civic insurance rates. A good driver about age 40 could pay 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.

View Chart as Image

Choosing high deductibles can save as much as $600 each year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $358 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to know which company is cheapest is to get quotes from as many companies as possible. Each auto insurer uses a different rate calculation, and rates can be significantly 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 Find the Cheapest Honda Civic Insurance

Saving money on Honda Civic insurance takes having a good driving record, having a good credit score, eliminating unneeded coverage, and maximizing policy discounts. Shop around once a year by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The next list is a recap of the data that was touched on in this article.

• Drivers can save approximately $190 per year simply by quoting early and online
• Drivers who want increased levels of liability coverage will pay about $500 each year to raise limits from a minimum limit to the 250/500 level
• Drivers age 20 and younger are expensive to insure, costing as high as $484 per month if comprehensive and collision insurance is included
• High-risk drivers that have major violations or accidents may pay on average $1,800 more annually to buy Honda 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.