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 $1,296 a year including full coverage. Comprehensive costs approximately $188, collision costs $408, and liability insurance costs $520. A policy with just liability insurance costs as little as $576 a year, with coverage for high-risk drivers costing around $2,828. 16-year-old drivers pay the highest rates at $5,174 a year or more.

Average premium for full coverage: $1,296

Price estimates by individual coverage:

Rates are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for different Civic trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on car insurance prices. Rural locations have a lower frequency of comprehensive and collision claims than congested cities.

The price range example below illustrates how where you live affects auto insurance prices.

The ranges above highlight why anyone shopping for car insurance should compare rates using their specific location and risk profile, rather than relying on rate averages.

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

Additional Charts and Tables

The chart below breaks down estimated Honda Civic insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $756
• Drivers who choose higher $1,000 deductibles will pay $136 every year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,296
• Buying more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,558
• High risk drivers with multiple tickets or accidents could pay around $2,828 or more
• The price for full coverage for a teen driver with full coverage can cost $5,174 a year

View Chart as Image

Insurance prices for a Honda Civic are also quite variable based on your driving record, the model of your Civic, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high deductibles could pay as little as $1,200 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay in the ballpark of $5,100 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, New Hampshire, and Missouri, or at least $1,840 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could save up to $400 each year, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $414 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying anywhere from $1,600 to $2,200 extra each year, depending on your age. High-risk driver insurance can cost anywhere from 43% to 137% more than the average rate. View High Risk Driver Rates

Since prices can be so different, the best way to figure out who has the best auto insurance prices is to compare prices from as many companies as possible. Every company utilizes a different rate formula, so the prices may be quite 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 the Best Cheap Honda Civic Insurance

Getting lower rates on Honda Civic insurance not only requires avoiding accidents and violations, but also maintaining good credit, being claim-free, and maximizing policy discounts. Take the time to comparison shop every time your policy renews by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The list below is a quick review of the information touched on in the above illustrations.

• You may be able to save around $150 per year simply by shopping early and online
• Teenagers are expensive to insure, possibly costing $431 a month for full coverage
• Increasing physical damage deductibles can save around $400 each year
• High-risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,530 more per year for car insurance
• Drivers who purchase higher liability limits will pay around $570 per year 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.