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 insurance prices for a Honda Civic are $1,512 every 12 months for full coverage insurance. Comprehensive insurance costs on average $256, collision insurance costs $626, and liability is estimated at $450. Buying just liability costs approximately $518 a year, and insurance for high-risk drivers costs $3,316 or more. Teens 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:

Price estimates include $500 physical damage deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and for all Civic models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on insurance rates. Rural areas are shown to have more infrequent physical damage claims than cities with more traffic congestion. The example below illustrates how location impacts car insurance rates.

The examples above illustrate why everyone should get quotes based on a specific location and their own driving history, instead of making a decision based on averaged prices.

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

More Rate Details

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

• The cheapest rate after discounts is $857
• Choosing higher $1,000 deductibles can save around $198 each year
• The average price for a good driver age 40 with $500 deductibles is $1,512
• Selecting pricier low deductibles for comp and collision coverage costs an extra $396 annually
• Higher-risk drivers with serious driving violations could pay upwards of $3,316
• Policy cost to insure a 16-year-old driver for full coverage may cost $5,808 each year

View Chart as Image

Insurance rates for a Honda Civic also range considerably based on liability limits and deductibles, your risk profile, and the trim level of your Civic.

Choosing higher comprehensive and collision insurance deductibles can save as much as $600 annually, whereas buying more liability protection will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $358 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may pay as low as $1,400 annually on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay upwards of $5,800 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying at a minimum $1,800 to $2,500 extra every year, depending on your age. Honda Civic insurance for high-risk drivers ranges from 43% to 132% more than the average policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Honda Civic insurance prices. A good driver about age 40 could pay as low as $990 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay 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 Shop for Cheaper Honda Civic Insurance

Finding cheaper rates on insurance for a Honda Civic takes being a safe and courteous driver, having good credit, being claim-free, and determing if full coverage is necessary. Spend time shopping around every couple of years by requesting rates from direct insurance companies, and also from several local insurance agents.

Below is a condensed summary of the material that was touched on above.

• Insureds who require higher levels of liability will pay approximately $500 annually to raise limits from a 30/60 limit to a 250/500 level
• Teenage drivers pay the highest rates, possibly costing $484 each month if they have full coverage
• Drivers considered higher risk with multiple at-fault accidents pay on average $1,800 more each year for auto insurance
• Increasing comprehensive and collision deductibles could save as much as $600 each year

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.