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 rates for a Honda Civic are $1,512 a year including full coverage. Comprehensive insurance costs around $256 a year, collision insurance costs $626, and liability coverage is $450. Liability-only coverage costs around $518 a year, and high-risk coverage costs $3,316 or more. 16-year-old drivers cost the most to insure at up to $5,808 a year.

Average premium for full coverage: $1,512

Policy rates for type of insurance:

These estimates include $500 policy deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Civic trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than congested cities. The diagram below illustrates how your location can change auto insurance rates.

The examples above highlight why it is important to compare rates quotes for a specific zip code and risk profile, rather than using rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $857
• Raising to $1,000 deductibles will save about $1,314 every year
• The average rate for a good driver age 40 using $500 deductibles is $1,512
• Buying low $100 deductibles will cost an extra $396 each year
• Unlucky drivers with multiple tickets or accidents could pay at least $3,316
• Policy cost for full coverage for a teenage driver can be $5,808

View Chart as Image

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

Older drivers with no violations or accidents and high deductibles may only pay around $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay as much as $5,800 a year. View Rates by Age

Your home state also has a big influence on Honda Civic insurance rates. A middle-age driver might find rates as low as $1,160 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,160 on average in Michigan, New York, and Louisiana.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $600 a year, while buying higher liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $358 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at least $1,800 to $2,500 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 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 Cheap Honda Civic Insurance

Finding cheaper rates on auto insurance consists of being a good driver, having a good credit history, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Invest the time to shop around every time your policy renews by quoting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following list is a brief summary of the information illustrated above.

• You may be able to save up to $190 per year just by quoting early and online
• Drivers age 16 to 20 are charged the highest rates, with premiums being up to $484 each month including comprehensive and collision insurance
• Increasing comprehensive and collision deductibles can save around $600 each year
• Drivers that tend to have accidents or serious violations pay on average $1,800 more every year than a safer driver
• Consumers who may need an increased level of liability coverage will pay around $500 per year to raise from a 30/60 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.