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.

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:

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

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.

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.

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

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.

View Chart as Image

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 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.

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.