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.

U.S. average insurance rates for a Honda Civic are $1,512 a year for full coverage insurance. Comprehensive costs around $256 each year, collision insurance costs $626, and liability insurance costs $450. A policy with just liability insurance costs as little as $518 a year, and coverage for high-risk drivers costs around $3,316. 16-year-old drivers pay the highest rates at up to $5,808 a year.

Average premium for full coverage: $1,512

Price estimates for individual coverage:

Includes $500 deductible amounts, 30/60 split liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and Civic models.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on car insurance rates. Areas with sparse population have a lower frequency of physical damage claims than congested cities. The graphic below illustrates the difference between rural and urban areas on auto insurance rates.

The ranges above illustrate why all drivers should compare rates for a specific zip code and risk profile, rather than relying on rate averages.

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

More Rate Details

The chart below illustrates average Honda Civic insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $857
• Drivers who choose higher $1,000 deductibles will pay about $198 each year
• The average rate for the average middle-age driver using $500 deductibles is $1,512
• Buying low deductibles for comprehensive and collision insurance will increase the cost to $1,908
• High risk drivers with multiple tickets or accidents could pay at least $3,316
• The price for full coverage for a teen driver can be $5,808 a year

View Chart as Image

Insurance prices for a Honda Civic are also quite variable based on your driving record, the model year and trim level, and deductibles and policy limits.

More mature drivers with a clean driving record and high deductibles could pay as little as $1,400 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay as much as $5,800 a year. View Rates by Age

The state you live in makes a big difference in Honda Civic insurance rates. A 40-year-old driver could pay 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

Opting for high physical damage deductibles could save up to $600 each year, whereas increasing liability limits will increase prices. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $358 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at least $1,800 to $2,500 extra each year, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 132% more than the average rate. View High Risk Driver Rates

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 Find the Cheapest Honda Civic Insurance

Getting lower rates on Honda Civic insurance not only requires having a good driving record, but also maintaining good credit, not filing small claims, and dropping full coverage on older vehicles. Set aside time to compare rates at least every other year by quoting rates from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The next list is a recap of the car insurance concepts covered above.

• High-risk drivers that have major violations or accidents may pay on average $1,800 more every year to buy Honda Civic insurance
• It is possible to save up to $190 per year just by quoting online in advance
• Increasing physical damage deductibles can save around $600 each year
• Drivers who may need increased levels of liability coverage will pay around $500 annually to go from a low limit to 250/500 limits

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.