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 $1,396 a year for full coverage. Comprehensive costs on average $208 a year, collision costs $494, and liability insurance costs $514. A liability-only policy costs as little as $572 a year, with high-risk insurance costing around $3,066. Teen drivers receive the highest rates at $5,524 a year or more.

Average premium for full coverage: $1,396

Rate estimates by individual coverage type:

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Civic trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on price averages.

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

Insurance Rate Analysis

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

• The lowest rate with discounts is $804
• Drivers who choose higher $1,000 deductibles will pay around $1,236 a year
• The average rate for a 40-year-old driver with $500 deductibles is $1,396
• Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,710
• High risk drivers with multiple violations and an at-fault accident could pay upwards of $3,066 or more
• The cost for full coverage for a teen driver may cost $5,524 a year

View Chart as Image

for a Honda Civic can also vary considerably based on your driver profile, the trim level of your Civic, and policy deductibles and limits.

Older drivers and high deductibles could pay as little as $1,300 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $5,500 a year. View Rates by Age

Where you live makes a big difference in Honda Civic insurance rates. A 40-year-old driver could pay as low as $920 a year in states like Idaho, Maine, and Iowa, or as much as $1,990 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles could save up to $480 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $411 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,700 to $2,400 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 135% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

Insurance Rates by Trim Level and Model Year

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.

How to Find Cheaper Honda Civic Insurance

Saving money on Honda Civic insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

• Increasing deductibles can save around $475 each year
• Drivers can save as much as $170 per year simply by quoting early and online
• Drivers who require more liability insurance will pay about $570 each year to go from a minimum limit to 250/500 limits
• Young drivers pay the highest rates, costing as high as $460 per month for full coverage
• High-risk drivers that have multiple accidents or serious violations will pay on average $1,670 more each year for 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.