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 rates for a Honda Civic are $1,512 a year for full coverage. Comprehensive insurance costs approximately $256 each year, collision costs $626, and liability coverage costs around $450. Liability-only coverage costs as low as $518 a year, with high-risk coverage 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:

Price estimates include $500 physical damage deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all states and Civic models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on car insurance rates. Rural locations tend to have a lower frequency of accident claims than cities with more traffic congestion.

The graphic below illustrates how location helps determine auto insurance prices.

These examples show why all drivers should compare prices using their specific location and risk profile, rather than using averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $857
• Using higher $1,000 deductibles will save $198 a year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,512
• Selecting low deductibles for physical damage coverage will cost an extra $396 each year
• Higher-risk drivers with serious driving violations could pay around $3,316 or more
• The cost for full coverage for a teenage driver can cost $5,808 or more

View Chart as Image

Car insurance rates for a Honda Civic can also vary considerably based on your driver profile, the trim level of your Civic, and physical damage deductibles and liability limits.

More mature drivers with no driving violations and high deductibles may only pay around $1,400 a year for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged in the ballpark of $5,800 a year. View Rates by Age

Where you live has a huge impact on Honda Civic insurance rates. A driver around age 40 might see rates as low as $1,000 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,160 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $600 a year, whereas increasing liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will cost as much as $358 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying anywhere from $1,800 to $2,500 extra per year, depending on your age. Insurance for high-risk drivers can be around 43% to 132% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the only way to know who has the cheapest car insurance rates is to do a rate comparison and see how they stack up. Each insurance company calculates rates differently, so rate quotes can be significantly different from one company to the next.

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 Cheaper Honda Civic Insurance

Saving money on auto insurance requires being a safe and courteous driver, having above-average credit, eliminating unneeded coverage, and avoiding coverage lapses. Invest time comparing rates every couple of years by getting rate quotes from direct carriers like GEICO and Progressive, and also from local exclusive and independent agents.

Below is a condensed summary of the material that was covered in the charts and tables above.

• Consumers who purchase higher levels of liability will pay approximately $500 each year to increase from a minimum limit to 250/500 limits
• Teenage drivers pay the highest auto insurance rates, costing as high as $484 per month if full coverage is included
• Drivers with multiple at-fault accidents may pay on average $1,800 more per year for auto insurance
• Increasing deductibles can save around $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.