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 insurance rates for a Honda Civic are $1,512 a year including full coverage. Comprehensive insurance costs approximately $256 a year, collision insurance costs $626, and liability coverage is $450. A policy with only liability insurance costs around $518 a year, and a high-risk policy costs $3,316 or more. Teen drivers pay the most at up to $5,808 a year.

Average premium for full coverage: $1,512

Premium estimates by type of coverage:

Rates are based on $500 deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and Civic trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on car insurance prices. Rural locations are statistically proven to have lower incidents of comprehensive and collision claims than larger metro areas. The diagram below illustrates how location helps determine auto insurance prices.

These rate differences highlight why it is important to compare rates quotes using their specific location, rather than using price averages.

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

Additional Rate Information

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

• The lowest rate with discounts is $857
• Raising to $1,000 deductibles will save $1,314 every year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,512
• Choosing low $100 deductibles will cost an additional $396 each year
• Unlucky drivers with multiple violations and an at-fault accident could pay around $3,316
• An auto insurance policy that insures a teenage driver can cost $5,808

View Chart as Image

Car insurance prices for a Honda Civic also have a wide range based on the trim level of your Civic, your driving record and age, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you are likely paying anywhere from $1,800 to $2,500 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 132% more than average. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged in the ballpark of $5,800 a year. View Rates by Age

Where you choose to live also has a big influence on Honda Civic insurance rates. A middle-age driver might find prices as low as $1,160 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,160 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles can reduce prices by up to $600 a year, while buying higher liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $358 extra every 12 months. View Rates by Deductible or Liability Limit

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 the Best Cheap Honda Civic Insurance

Finding better rates on auto insurance consists of not taking risks behind the wheel, having a positive credit history, refrain from filing small claims, and attention to physical damage deductibles. Shop around at every policy renewal by requesting quotes from direct car insurance companies, and also from local auto insurance providers.

The following is a quick review of the data covered in the charts and tables above.

• Consumers who purchase higher liability limits will pay about $500 per year to raise from 30/60 bodily injury limits to the 250/500 level
• You may be able to save around $190 per year just by quoting early and online
• Increasing policy deductibles can save approximately $600 each year
• Teens pay the highest auto insurance prices, with the cost nearing $484 per month if full coverage is purchased

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.