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.

Estimated auto insurance rates for a Honda Civic are $1,512 annually with full coverage. Comprehensive insurance costs on average $256, collision costs $626, and liability is estimated at $450. Liability-only coverage costs approximately $518 a year, with high-risk coverage costing $3,316 or more. Teen drivers pay the most at $5,808 a year or more.

Average premium for full coverage: $1,512

Premium estimates by type of coverage:

Full coverage includes $500 physical damage insurance deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and for different Civic trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on auto insurance rates. Rural areas are statistically proven to have fewer collision claims than larger metro areas.

The price range example below illustrates how your location can change car insurance rates.

These rate differences demonstrate why anyone shopping for car insurance should get quotes based on a specific location and their own personal driving habits, instead of using price averages.

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

Additional Rate Information

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

• The lowest rate with discounts is $857
• Choosing higher $1,000 deductibles can save around $198 annually
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,512
• Choosing more expensive low deductibles for comp and collision coverage costs an additional $396 every year
• Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $3,316 or more
• An auto insurance policy with full coverage for a teen driver with full coverage may cost $5,808 each year

View Chart as Image

Insurance prices for a Honda Civic also have a wide range based on the model of your Civic, your driving record, and policy deductibles and limits.

An older driver with a clean driving record and high physical damage deductibles may pay as little as $1,400 annually on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay upwards of $5,800 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out at a minimum $1,800 to $2,500 extra annually, depending on your age. High-risk driver insurance ranges as much as 43% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $600 every year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $358 more per year. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Honda Civic insurance prices. A good driver about age 40 could pay as low as $1,090 a year in states like New Hampshire, Ohio, and Utah, or as much as $2,040 on average in Florida, Michigan, and New York.

View Chart as Image

With such a large range in prices, the best way to find out exactly what you will pay is to compare prices and see which company has the best price. Each auto insurer uses a different rate calculation, so the prices will be substantially different between companies.

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 Buy More Affordable Honda Civic Insurance

Finding better rates on car insurance takes being a low-risk driver, having a good credit history, being claim-free, and bundling your home and auto policies. Invest the time to shop around every couple of years by quoting rates from direct companies, and also from local independent and exclusive agents.

The items below are a summary of the material that was illustrated above.

• Policyholders who require more liability coverage will pay about $500 every year to raise limits from 30/60 bodily injury limits to higher 250/500 limits
• Teen drivers pay the highest prices, possibly costing $484 per month including comprehensive and collision insurance
• Higher risk drivers who have multiple accidents or major violations pay an average of $1,800 more each year to insure their Civic
• Increasing policy deductibles could save up to $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.