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 prices for a Honda Civic are $1,512 every 12 months including full coverage. Comprehensive insurance costs on average $256, collision costs $626, and liability is estimated at $450. Buying just liability costs approximately $518 a year, with insurance for high-risk drivers costing $3,316 or more. Teens receive the highest rates at $5,808 a year or more.

Average premium for full coverage: $1,512

Rate estimates by individual coverage type:

Includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and for all Civic models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on car insurance rates. Rural areas tend to have more infrequent comprehensive and collision claims than cities with more traffic congestion.

The example below illustrates the difference between rural and urban areas on car insurance rates.

These examples highlight why everyone should get quotes based on a specific location and their own driving history, instead of using averaged prices.

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

Rates by State, City, and Model

The chart below breaks down estimated 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 every year
• The average price for a 40-year-old driver with $500 deductibles is $1,512
• Selecting pricier low deductibles for comp and collision coverage costs an extra $396 every year
• Unlucky drivers with serious driving violations could pay upwards of $3,316 or more
• The cost to insure a teen driver for full coverage may cost $5,808 each year

View Chart as Image

Auto insurance rates for a Honda Civic can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level of your Civic.

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

A more mature driver with a good driving record and higher deductibles may pay as little as $1,400 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay upwards of $5,800 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying at a minimum $1,800 to $2,500 in extra premium per year, depending on your age. Honda Civic insurance for high-risk drivers ranges as much as 43% to 132% more than the average policy. View High Risk Driver Rates

Where you live plays a big part in determining prices for Honda Civic insurance prices. A good driver about age 40 could pay as low as $1,160 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,160 on average in Michigan, New York, and Louisiana.

View Chart as Image

With so much variability in rates, the best way to figure out exactly what you will pay is to regularly compare rates and see which company has the best rate. Each auto insurer calculates rates differently, and quoted rates can be significantly different.

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 the Cheapest Honda Civic Insurance

Saving money on car insurance takes being safe and accident-free, having a good credit score, not filing small claims, and taking advantage of discounts. Set aside time to compare rates every other policy renewal by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a recap of the ideas that were covered above.

• Youthful drivers are charged the highest rates, as much as $484 per month if comprehensive and collision insurance is included
• Higher risk drivers that have major violations or accidents may pay on average $1,800 more each year than a low-risk driver
• Increasing deductibles could save as much as $600 each year
• You may be able to save as much as $190 per year simply by quoting online well ahead of the renewal date

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.