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 for full coverage. Comprehensive costs around $256, collision insurance costs $626, and liability is $450. A policy with only liability insurance costs around $518 a year, and a high-risk policy costs around $3,316. Teen drivers pay the most at up to $5,808 a year.

Average premium for full coverage: $1,512

Premium estimates for type of coverage:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all states and for different Civic trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on auto insurance rates. Areas with sparse population are statistically proven to have a lower frequency of accident claims than larger metro areas. The price range example below illustrates the difference location can make on auto insurance rates.

These rate differences show why anyone shopping for car insurance should compare rates quotes for a specific zip code and risk profile, instead of making a decision based on price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $857
• Raising to $1,000 deductibles will save about $198 a year
• The average rate for a 40-year-old good driver using $500 deductibles is $1,512
• Choosing more expensive low deductibles will increase the cost to $1,908
• Drivers with multiple violations and an at-fault accident could pay at least $3,316
• An auto insurance policy for full coverage for a 16-year-old driver with full coverage can be $5,808

View Chart as Image

Car insurance prices for a Honda Civic also have a wide range based on your driving characteristics, the trim level of your Civic, and deductibles and policy limits.

An older driver with no driving violations and high deductibles may pay as low as $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged as much as $5,800 a year. View Rates by Age

Where you choose to live also has a big influence on Honda Civic insurance prices. A middle-age driver might find prices as low as $1,000 a year in states like Idaho, Maine, and Iowa, or as much as $2,160 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles can reduce prices by up to $600 annually, while increasing your policy's liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will cost up to $358 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at least $1,800 to $2,500 extra annually, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 132% more than average. 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 the Best Honda Civic Insurance

Finding better rates on insurance for a Honda Civic consists of avoiding accidents and violations, having above-average credit, not filing small claims, and consideration of higher deductibles. Make time to compare rates at least every other year by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The list below is a brief recap of the car insurance concepts touched on in this article.

• Drivers considered higher risk who tend to receive serious violations may be required to pay an average of $1,800 more every year for car insurance
• Drivers can save up to $190 per year just by shopping early and online
• Increasing policy deductibles can save around $600 each year
• Insureds who may need higher liability limits will pay about $500 each year to raise from 30/60 bodily injury limits 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.