Honda Civic Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 8, 2024

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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 auto insurance rates for a Honda Civic are $1,512 annually for full coverage insurance. Comprehensive costs on average $256 each year, collision insurance costs $626, and liability coverage is $450. Liability-only insurance costs around $518 a year, and high-risk driver insurance costs around $3,316. 16-year-old drivers cost the most to insure at up to $5,808 a year.

Average premium for full coverage: $1,512

Policy rates by type of insurance:

Comprehensive $256
Collision $626
Liability $450

Full coverage includes $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and Civic models.

Price Range Variability

Using a middle-aged driver as an example, Honda Civic insurance rates range from as cheap as $518 for the bare minimum liability coverage to a high rate of $3,316 for a driver who requires high-risk insurance.

Liability Only $518
Full Coverage $1,512
High Risk $3,316

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on insurance rates. Rural areas are shown to have fewer physical damage claims than congested cities. The graphic below illustrates how where you live affects car insurance rates.

Rural Areas $1,134
Small Cities $1,588
Large Cities $2,041

The examples above illustrate why all drivers should compare rates quotes based on a specific location and their own personal driving habits, rather than using rate averages.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Rate Information

The chart below illustrates average Honda Civic insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $857
  • Raising to $1,000 deductibles will save around $198 each year
  • The estimated rate for a good driver age 40 with $500 deductibles is $1,512
  • Buying low deductibles will cost $1,908
  • Unlucky drivers with multiple tickets or accidents could pay upwards of $3,316
  • Policy cost with full coverage for a teenage driver may cost $5,808

View Chart as Image

Honda Civic insurance cost comparison chart
Column chart showing Honda Civic insurance rates range from $857 to $5,808 for full coverage

Auto insurance rates for a Honda Civic also range considerably based on the model year and trim level, your risk profile, and policy deductibles and limits.

More mature drivers with a good driving record and high physical damage deductibles may only pay around $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay upwards of $5,800 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying at a minimum $1,800 to $2,500 in extra premium every year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 132% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce rates by up to $600 a year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $358 extra every year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Honda Civic insurance rates. A middle-age driver might find rates as low as $990 a year in states like Vermont, Wisconsin, and North Carolina, or at least $2,040 on average in Michigan, New York, and Florida.

Honda Civic Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,368 -$144 -9.5%
Alaska $1,160 -$352 -23.3%
Arizona $1,256 -$256 -16.9%
Arkansas $1,512 -$0 0.0%
California $1,724 $212 14.0%
Colorado $1,444 -$68 -4.5%
Connecticut $1,552 $40 2.6%
Delaware $1,712 $200 13.2%
Florida $1,890 $378 25.0%
Georgia $1,396 -$116 -7.7%
Hawaii $1,086 -$426 -28.2%
Idaho $1,026 -$486 -32.1%
Illinois $1,126 -$386 -25.5%
Indiana $1,142 -$370 -24.5%
Iowa $1,020 -$492 -32.5%
Kansas $1,436 -$76 -5.0%
Kentucky $2,062 $550 36.4%
Louisiana $2,238 $726 48.0%
Maine $934 -$578 -38.2%
Maryland $1,248 -$264 -17.5%
Massachusetts $1,208 -$304 -20.1%
Michigan $2,624 $1,112 73.5%
Minnesota $1,266 -$246 -16.3%
Mississippi $1,814 $302 20.0%
Missouri $1,342 -$170 -11.2%
Montana $1,624 $112 7.4%
Nebraska $1,192 -$320 -21.2%
Nevada $1,814 $302 20.0%
New Hampshire $1,088 -$424 -28.0%
New Jersey $1,692 $180 11.9%
New Mexico $1,338 -$174 -11.5%
New York $1,592 $80 5.3%
North Carolina $872 -$640 -42.3%
North Dakota $1,238 -$274 -18.1%
Ohio $1,044 -$468 -31.0%
Oklahoma $1,552 $40 2.6%
Oregon $1,386 -$126 -8.3%
Pennsylvania $1,440 -$72 -4.8%
Rhode Island $2,016 $504 33.3%
South Carolina $1,370 -$142 -9.4%
South Dakota $1,276 -$236 -15.6%
Tennessee $1,322 -$190 -12.6%
Texas $1,822 $310 20.5%
Utah $1,120 -$392 -25.9%
Vermont $1,036 -$476 -31.5%
Virginia $906 -$606 -40.1%
Washington $1,168 -$344 -22.8%
West Virginia $1,388 -$124 -8.2%
Wisconsin $1,048 -$464 -30.7%
Wyoming $1,348 -$164 -10.8%

View Chart as Image

Honda Civic insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Honda Civic Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Honda Civic DX 4-Dr Sedan $1,282 $107
Honda Civic DX 2-Dr Coupe $1,526 $127
Honda Civic LX 4-Dr Sedan $1,354 $113
Honda Civic VP 4-Dr Sedan $1,354 $113
Honda Civic EX 4-Dr Sedan $1,396 $116
Honda Civic LX 2-Dr Coupe $1,568 $131
Honda Civic LX-S 4-Dr Sedan $1,396 $116
Honda Civic EX-L 4-Dr Sedan $1,438 $120
Honda Civic EX 2-Dr Coupe $1,624 $135
Honda Civic SI 4-Dr Sedan $1,482 $124
Honda Civic EX-L 2-Dr Coupe $1,666 $139
Honda Civic GX 4-Dr Sedan $1,494 $125
Honda Civic SI 2-Dr Coupe $1,706 $142
Honda Civic Hybrid 4-Dr Sedan $1,416 $118

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.

Honda Civic Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Honda Civic $268 $630 $440 $1,518
2023 Honda Civic $256 $626 $450 $1,512
2022 Honda Civic $248 $610 $470 $1,508
2021 Honda Civic $240 $586 $486 $1,492
2020 Honda Civic $226 $564 $500 $1,470
2019 Honda Civic $218 $524 $510 $1,432
2018 Honda Civic $208 $494 $514 $1,396
2017 Honda Civic $200 $442 $520 $1,342
2016 Honda Civic $188 $408 $520 $1,296
2015 Honda Civic $180 $382 $524 $1,266
2014 Honda Civic $176 $356 $534 $1,246
2013 Honda Civic $164 $330 $534 $1,208
2012 Honda Civic $158 $300 $540 $1,178
2011 Honda Civic $148 $274 $534 $1,136
2010 Honda Civic $140 $250 $534 $1,104
2009 Honda Civic $134 $224 $530 $1,068
2008 Honda Civic $132 $218 $520 $1,050
2007 Honda Civic $130 $208 $510 $1,028
2006 Honda Civic $120 $198 $504 $1,002
2005 Honda Civic $116 $188 $500 $984

Rates are averaged for all Honda Civic models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy More Affordable Honda Civic Insurance

Finding cheaper rates on auto insurance consists of being a low-risk driver, having above-average credit, being claim-free, and deciding if full coverage is necessary. Take the time to comparison shop at every other renewal by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The items below are a summary of the concepts that were touched on in the above illustrations.

  • Drivers who have multiple accidents or major violations may pay on average $1,800 more each year to insure their Civic
  • Teen drivers are charged the highest rates, possibly costing $484 each month if full coverage is included
  • It is possible to save as much as $190 per year just by quoting online in advance
  • Increasing comprehensive and collision deductibles could save up to $600 each year
  • It is possible to save as much as $190 per year just by quoting online in advance

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.

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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:

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.

Rates by Driver Age

Honda Civic Insurance Rates by Driver Age
Driver Age Premium
16 $5,808
20 $3,572
30 $1,574
40 $1,512
50 $1,386
60 $1,362

Full coverage, $500 deductibles

Rates by Deductible

Honda Civic Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,908
$250 $1,722
$500 $1,512
$1,000 $1,314

Full coverage, driver age 40

Rates by Liability Limit

Honda Civic Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,512
50/100 $1,496
100/300 $1,595
250/500 $1,854
100 CSL $1,535
300 CSL $1,754
500 CSL $1,914

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Civic Insurance Rates for High Risk Drivers
Age Premium
16 $8,288
20 $5,692
30 $3,388
40 $3,316
50 $3,172
60 $3,146

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $220

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $80
Multi-vehicle $82
Homeowner $22
5-yr Accident Free $116
5-yr Claim Free $99
Paid in Full/EFT $71
Advance Quote $78
Online Quote $107
Total Discounts $655
Rate after discounts $857

Discounts are estimated and may not be available from every company or in every state.

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