Honda Civic Insurance Rates
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UPDATED: Jun 5, 2023
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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.
Estimated insurance prices for a Honda Civic are $1,296 every 12 months with full coverage. Comprehensive insurance costs an estimated $188, collision costs $408, and liability coverage costs around $520. A liability-only policy costs as low as $576 a year, with high-risk insurance costing $2,828 or more. Teen drivers pay the most at $5,174 a year or more.
Average premium for full coverage: $1,296
Premium estimates broken down by type of coverage:
Estimates include $500 physical damage deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and for all Civic models.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Honda Civic go from the cheapest price of $576 for a discount liability-only rate to the much higher price of $2,828 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Where you live has a large influence on car insurance rates. More rural locations are statistically proven to have more infrequent collision claims than larger metro areas.
The example below illustrates how your location can change insurance prices.
These rate differences demonstrate why everyone should compare prices for a targeted area and their own driving history, rather than using price 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.
Rates by State, City, and Model
The chart below details estimated Honda Civic insurance rates for other coverage scenarios.
- The lowest rate with discounts is $756
- Using higher $1,000 deductibles will save approximately $136 annually
- The average price for a 40-year-old good driver who has $500 deductibles is $1,296
- Choosing pricier low deductibles for physical damage coverage costs an extra $262 each year
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,828 or more
- An auto insurance policy to insure a teenage driver for full coverage can cost as much as $5,174 or more
Auto insurance prices for a Honda Civic also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model year and trim level.
Choosing high deductibles could cut prices by as much as $400 a year, whereas buying more liability protection will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $414 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay at least $5,100 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you may be forking out $1,600 to $2,200 in extra premium annually, depending on your age. Honda Civic insurance for high-risk drivers can be around 43% to 137% more than average. View High Risk Driver Rates
Where you choose to live has a huge impact on Honda Civic insurance rates. A driver around age 40 might see prices as low as $930 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,750 on average in New York, Michigan, and Florida.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,168 | -$128 | -9.9% |
Alaska | $992 | -$304 | -23.5% |
Arizona | $1,076 | -$220 | -17.0% |
Arkansas | $1,296 | -$0 | 0.0% |
California | $1,474 | $178 | 13.7% |
Colorado | $1,232 | -$64 | -4.9% |
Connecticut | $1,328 | $32 | 2.5% |
Delaware | $1,464 | $168 | 13.0% |
Florida | $1,618 | $322 | 24.8% |
Georgia | $1,194 | -$102 | -7.9% |
Hawaii | $928 | -$368 | -28.4% |
Idaho | $876 | -$420 | -32.4% |
Illinois | $964 | -$332 | -25.6% |
Indiana | $974 | -$322 | -24.8% |
Iowa | $872 | -$424 | -32.7% |
Kansas | $1,228 | -$68 | -5.2% |
Kentucky | $1,764 | $468 | 36.1% |
Louisiana | $1,914 | $618 | 47.7% |
Maine | $800 | -$496 | -38.3% |
Maryland | $1,066 | -$230 | -17.7% |
Massachusetts | $1,034 | -$262 | -20.2% |
Michigan | $2,242 | $946 | 73.0% |
Minnesota | $1,082 | -$214 | -16.5% |
Mississippi | $1,550 | $254 | 19.6% |
Missouri | $1,148 | -$148 | -11.4% |
Montana | $1,388 | $92 | 7.1% |
Nebraska | $1,020 | -$276 | -21.3% |
Nevada | $1,552 | $256 | 19.8% |
New Hampshire | $932 | -$364 | -28.1% |
New Jersey | $1,444 | $148 | 11.4% |
New Mexico | $1,144 | -$152 | -11.7% |
New York | $1,362 | $66 | 5.1% |
North Carolina | $746 | -$550 | -42.4% |
North Dakota | $1,062 | -$234 | -18.1% |
Ohio | $892 | -$404 | -31.2% |
Oklahoma | $1,328 | $32 | 2.5% |
Oregon | $1,184 | -$112 | -8.6% |
Pennsylvania | $1,232 | -$64 | -4.9% |
Rhode Island | $1,726 | $430 | 33.2% |
South Carolina | $1,172 | -$124 | -9.6% |
South Dakota | $1,092 | -$204 | -15.7% |
Tennessee | $1,130 | -$166 | -12.8% |
Texas | $1,558 | $262 | 20.2% |
Utah | $956 | -$340 | -26.2% |
Vermont | $886 | -$410 | -31.6% |
Virginia | $774 | -$522 | -40.3% |
Washington | $998 | -$298 | -23.0% |
West Virginia | $1,186 | -$110 | -8.5% |
Wisconsin | $896 | -$400 | -30.9% |
Wyoming | $1,150 | -$146 | -11.3% |
With such a large range in prices, the best way to find out which insurance company is cheapest is to regularly compare prices and see how they stack up. Each insurance company uses a different rate calculation, and quoted prices will be substantially different.
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Honda Civic DX 4-Dr Sedan | $1,108 | $92 |
Honda Civic DX 2-Dr Coupe | $1,330 | $111 |
Honda Civic LX 4-Dr Sedan | $1,154 | $96 |
Honda Civic VP 4-Dr Sedan | $1,154 | $96 |
Honda Civic EX 4-Dr Sedan | $1,184 | $99 |
Honda Civic LX 2-Dr Coupe | $1,360 | $113 |
Honda Civic LX-S 4-Dr Sedan | $1,184 | $99 |
Honda Civic EX-L 4-Dr Sedan | $1,214 | $101 |
Honda Civic EX 2-Dr Coupe | $1,396 | $116 |
Honda Civic SI 4-Dr Sedan | $1,240 | $103 |
Honda Civic EX-L 2-Dr Coupe | $1,426 | $119 |
Honda Civic GX 4-Dr Sedan | $1,250 | $104 |
Honda Civic SI 2-Dr Coupe | $1,454 | $121 |
Honda Civic Hybrid 4-Dr Sedan | $1,200 | $100 |
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.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2020 Honda Civic | $240 | $586 | $486 | $1,492 |
2019 Honda Civic | $226 | $564 | $500 | $1,470 |
2018 Honda Civic | $218 | $524 | $510 | $1,432 |
2017 Honda Civic | $208 | $494 | $514 | $1,396 |
2016 Honda Civic | $200 | $442 | $520 | $1,342 |
2015 Honda Civic | $188 | $408 | $520 | $1,296 |
2014 Honda Civic | $180 | $382 | $524 | $1,266 |
2013 Honda Civic | $176 | $356 | $534 | $1,246 |
2012 Honda Civic | $164 | $330 | $534 | $1,208 |
2011 Honda Civic | $158 | $300 | $540 | $1,178 |
2010 Honda Civic | $148 | $274 | $534 | $1,136 |
2009 Honda Civic | $140 | $250 | $534 | $1,104 |
2008 Honda Civic | $134 | $224 | $530 | $1,068 |
2007 Honda Civic | $132 | $218 | $520 | $1,050 |
2006 Honda Civic | $130 | $208 | $510 | $1,028 |
2005 Honda Civic | $120 | $198 | $504 | $1,002 |
2004 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 Shop for Low Cost Honda Civic Insurance
Finding better rates on auto insurance requires being a safe and courteous driver, having a good credit score, being claim-free, and qualifying for all possible discounts. Invest the time to shop around once a year by getting rate quotes from direct companies, and also from your local independent and exclusive agents.
Below is a review of the data that was illustrated above.
- You may be able to save approximately $150 per year simply by quoting online well ahead of the renewal date
- Consumers who want higher levels of liability will pay about $570 every year to increase from 30/60 bodily injury limits to a 250/500 level
- Teenage drivers are the costliest to insure, possibly costing $431 per month if comprehensive and collision insurance is included
- Drivers who have several accidents or serious violations may pay on average $1,530 more annually for auto 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.
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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.
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $5,174 |
20 | $3,030 |
30 | $1,326 |
40 | $1,296 |
50 | $1,188 |
60 | $1,166 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,558 |
$250 | $1,434 |
$500 | $1,296 |
$1,000 | $1,160 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,296 |
50/100 | $1,292 |
100/300 | $1,407 |
250/500 | $1,706 |
100 CSL | $1,338 |
300 CSL | $1,591 |
500 CSL | $1,775 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $7,338 |
20 | $4,840 |
30 | $2,866 |
40 | $2,828 |
50 | $2,708 |
60 | $2,686 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
Discount | Savings |
---|---|
Multi-policy | $67 |
Multi-vehicle | $72 |
Homeowner | $22 |
5-yr Accident Free | $90 |
5-yr Claim Free | $84 |
Paid in Full/EFT | $54 |
Advance Quote | $62 |
Online Quote | $89 |
Total Discounts | $540 |
Discounts are estimated and may not be available from every company or in every state.
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