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 insurance. Comprehensive insurance costs on average $256, collision costs $626, and liability insurance costs $450. A liability-only policy costs as little as $518 a year, with high-risk insurance costing $3,316 or more. 16-year-old drivers receive the highest rates at $5,808 a year or more.

Average premium for full coverage: $1,512

Rate estimates by individual coverage type:

Prices include $500 deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and for different Civic trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on insurance rates. Rural areas tend to have a lower frequency of physical damage claims than congested cities.

The price range example below illustrates how location helps determine car insurance rates.

These examples illustrate why anyone shopping for car insurance should compare rates based on a specific location and risk profile, rather than relying on rate averages.

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

More Rate Information

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

• The best full coverage rate is $857
• Drivers who choose higher $1,000 deductibles will pay around $198 each year
• The average rate for a 40-year-old driver with $500 deductibles is $1,512
• Buying more expensive low deductibles for comprehensive and collision insurance will cost an extra $396 a year
• High risk drivers with multiple tickets or accidents could pay upwards of $3,316 or more
• The cost for full coverage for a teen driver with full coverage may cost $5,808 a year

View Chart as Image

Insurance rates for a Honda Civic can also vary considerably based on your driver profile, the model year and trim level, and policy deductibles and limits.

An older driver with a clean driving record and high deductibles could pay as little as $1,400 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay upwards of $5,800 a year. View Rates by Age

Where you live makes a big difference in Honda Civic insurance rates. A 40-year-old driver could pay as low as $990 a year in states like Vermont, Wisconsin, and North Carolina, or at least $2,040 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles could save up to $600 each year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost as much as $358 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying at a minimum $1,800 to $2,500 extra per year, depending on your age. High-risk driver insurance can cost anywhere from 43% to 132% more than the average rate. View High Risk Driver Rates

With so much variability in rates, the only way to figure out exactly what you will pay is to compare rates from as many companies as possible. Every company utilizes a different rate formula, so the rates 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 the Right Honda Civic Insurance

Saving money on Honda Civic insurance not only requires not taking risks behind the wheel, but also maintaining good credit, avoid buying unnecessary coverage, and bundling your home and auto policies. Invest time comparing rates at every policy renewal by quoting rates from direct insurance companies like GEICO and Progressive, and also from local independent and exclusive agents.

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

• Drivers who require higher liability limits will pay around $500 annually to go from a minimum limit to 250/500 limits
• It is possible to save as much as $190 per year simply by shopping early and online
• Increasing deductibles can save around $600 each year
• Teens pay the highest rates, costing up to $484 per month for full coverage

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.