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.

Estimated insurance prices for a Honda Civic are $1,518 every 12 months including full coverage. Comprehensive costs on average $268, collision costs $630, and liability is $440. Liability-only insurance costs around $510 a year, with high-risk driver insurance costing around $3,326. Teen drivers pay the most at $5,796 a year or more.

Average premium for full coverage: $1,518

Premium estimates by type of coverage:

Comprehensive $268
Collision $630
Liability $440

Rate estimates include $500 physical damage deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for different Civic trim levels.

Insurance Price Range by Risk and Coverage

For the normal driver, insurance rates for a Honda Civic go from the cheapest price of $510 for basic liability insurance to a much higher rate of $3,326 for a driver that may need high-risk insurance.

Liability Only $510
Full Coverage $1,518
High Risk $3,326

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on car insurance rates. Rural areas are statistically proven to have more infrequent comprehensive and collision claims than larger metro areas.

The price range example below illustrates how geographic area affects car insurance rates.

Rural Areas $1,139
Small Cities $1,594
Large Cities $2,049

These rate differences highlight why anyone shopping for car insurance should compare rates quotes based on a specific location and their own driving history, instead of 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.

Rate Comparisons

The chart below breaks down estimated Honda Civic insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $862
  • Raising to $1,000 deductibles will save around $202 every year
  • The average price for a 40-year-old good driver with $500 deductibles is $1,518
  • Choosing more expensive low deductibles increases the price to $1,920
  • At-risk drivers with multiple violations and an at-fault accident could pay upwards of $3,326 or more
  • An auto insurance policy to insure a teen driver with full coverage may cost $5,796

View Chart as Image

Honda Civic insurance cost comparison chart
Column chart showing full coverage Honda Civic insurance rates range from $862 to $5,796

Insurance prices for a Honda Civic also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level of your Civic.

Choosing high deductibles can reduce prices by up to $610 every year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $351 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay upwards of $5,700 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying at a minimum $1,800 to $2,500 additional annually, depending on your age. High-risk driver insurance is expensive and can cost as much as 43% to 132% more than average. View High Risk Driver Rates

Where you choose to live also has a big influence on Honda Civic insurance prices. A middle-age driver might find prices as low as $1,170 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,170 on average in Michigan, New York, and Louisiana.

Honda Civic Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,372 -$146 -9.6%
Alaska $1,166 -$352 -23.2%
Arizona $1,262 -$256 -16.9%
Arkansas $1,518 -$0 0.0%
California $1,730 $212 14.0%
Colorado $1,448 -$70 -4.6%
Connecticut $1,558 $40 2.6%
Delaware $1,718 $200 13.2%
Florida $1,898 $380 25.0%
Georgia $1,402 -$116 -7.6%
Hawaii $1,088 -$430 -28.3%
Idaho $1,030 -$488 -32.1%
Illinois $1,130 -$388 -25.6%
Indiana $1,146 -$372 -24.5%
Iowa $1,024 -$494 -32.5%
Kansas $1,442 -$76 -5.0%
Kentucky $2,068 $550 36.2%
Louisiana $2,248 $730 48.1%
Maine $938 -$580 -38.2%
Maryland $1,252 -$266 -17.5%
Massachusetts $1,212 -$306 -20.2%
Michigan $2,636 $1,118 73.6%
Minnesota $1,270 -$248 -16.3%
Mississippi $1,820 $302 19.9%
Missouri $1,348 -$170 -11.2%
Montana $1,632 $114 7.5%
Nebraska $1,198 -$320 -21.1%
Nevada $1,820 $302 19.9%
New Hampshire $1,094 -$424 -27.9%
New Jersey $1,696 $178 11.7%
New Mexico $1,342 -$176 -11.6%
New York $1,600 $82 5.4%
North Carolina $876 -$642 -42.3%
North Dakota $1,242 -$276 -18.2%
Ohio $1,048 -$470 -31.0%
Oklahoma $1,558 $40 2.6%
Oregon $1,392 -$126 -8.3%
Pennsylvania $1,448 -$70 -4.6%
Rhode Island $2,026 $508 33.5%
South Carolina $1,376 -$142 -9.4%
South Dakota $1,282 -$236 -15.5%
Tennessee $1,328 -$190 -12.5%
Texas $1,828 $310 20.4%
Utah $1,122 -$396 -26.1%
Vermont $1,040 -$478 -31.5%
Virginia $908 -$610 -40.2%
Washington $1,170 -$348 -22.9%
West Virginia $1,392 -$126 -8.3%
Wisconsin $1,050 -$468 -30.8%
Wyoming $1,352 -$166 -10.9%

View Chart as Image

Honda Civic insurance rates by U.S. city

With such a large range in prices, the best way to figure out exactly what you will pay is to compare prices and see which company has the best price. Every auto insurance company uses a different rate calculation, and prices will be substantially different.

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 $1,288 $107
Honda Civic DX 2-Dr Coupe $1,530 $128
Honda Civic LX 4-Dr Sedan $1,360 $113
Honda Civic VP 4-Dr Sedan $1,360 $113
Honda Civic EX 4-Dr Sedan $1,402 $117
Honda Civic LX 2-Dr Coupe $1,572 $131
Honda Civic LX-S 4-Dr Sedan $1,402 $117
Honda Civic EX-L 4-Dr Sedan $1,446 $121
Honda Civic EX 2-Dr Coupe $1,628 $136
Honda Civic SI 4-Dr Sedan $1,488 $124
Honda Civic EX-L 2-Dr Coupe $1,672 $139
Honda Civic GX 4-Dr Sedan $1,502 $125
Honda Civic SI 2-Dr Coupe $1,714 $143
Honda Civic Hybrid 4-Dr Sedan $1,424 $119

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 $280 $656 $420 $1,536
2023 Honda Civic $268 $630 $440 $1,518
2022 Honda Civic $256 $626 $450 $1,512
2021 Honda Civic $248 $610 $470 $1,508
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

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 the Best Honda Civic Insurance

Finding better rates on car insurance consists of being a safe and courteous driver, having above-average credit, refrain from filing small claims, and insuring your home and auto with the same company. Invest the time to compare rates once a year by requesting rates from direct car insurance companies, and also from your local independent and exclusive agents.

Below is a brief recap of the data that was presented in the illustrations above.

  • You may be able to save as much as $190 per year simply by shopping early and online
  • Policyholders who require higher levels of liability will pay about $480 per year to raise from 30/60 bodily injury limits to a 250/500 level
  • Teenage drivers pay higher prices, with the cost nearing $483 per month if full coverage is included
  • Higher risk drivers who tend to receive serious violations may pay on average $1,810 more each year 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.

Rates by Driver Age

Honda Civic Insurance Rates by Driver Age
Driver Age Premium
16 $5,796
20 $3,576
30 $1,582
40 $1,518
50 $1,390
60 $1,366

Full coverage, $500 deductibles

Rates by Deductible

Honda Civic Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,920
$250 $1,730
$500 $1,518
$1,000 $1,316

Full coverage, driver age 40

Rates by Liability Limit

Honda Civic Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,518
50/100 $1,502
100/300 $1,600
250/500 $1,853
100 CSL $1,541
300 CSL $1,756
500 CSL $1,912

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Civic Insurance Rates for High Risk Drivers
Age Premium
16 $8,276
20 $5,698
30 $3,394
40 $3,326
50 $3,178
60 $3,152

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 $72
Advance Quote $78
Online Quote $107
Total Discounts $656
Rate after discounts $862

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

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