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 auto insurance rates for a Honda Civic are $1,508 annually including full coverage. Comprehensive costs approximately $248, collision costs $610, and liability coverage costs around $470. Liability-only coverage costs as low as $536 a year, with high-risk coverage costing around $3,314. 16-year-old drivers cost the most to insure at $5,826 a year or more.

Average premium for full coverage: $1,508

Policy rates by type of insurance:

Prices are based on $500 physical damage deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and for all Civic models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than congested cities.

The example below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above highlight why everyone should compare prices using their specific location and their own personal driving habits, rather than using rate averages.

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

More Rate Information

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

• The best full coverage rate is $855
• Using higher $1,000 deductibles will save $194 every year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,508
• Buying pricier low deductibles for physical damage coverage will cost $1,894
• Higher-risk drivers with multiple tickets or accidents could pay around $3,314 or more
• Policy cost with full coverage for a teenage driver for full coverage can cost $5,826 or more

View Chart as Image

Insurance rates for a Honda Civic also range considerably based on the model year and trim level, your driving characteristics, and physical damage deductibles and liability limits.

A more mature driver with no violations or accidents and high physical damage deductibles may only pay around $1,400 a year, or $117 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,800 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying anywhere from $1,800 to $2,500 additional every year, depending on your age. Honda Civic insurance for high-risk drivers can be around 43% to 132% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut rates by as much as $580 a year, whereas buying more liability protection will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $375 more each year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Honda Civic insurance rates. A driver around age 40 might see rates as low as $1,160 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,150 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to regularly compare rates and see how they stack up. Each insurance company utilizes a different rate formula, and rates will be varied between companies.

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 Buy Affordable Honda Civic Insurance

Finding cheaper rates on auto insurance requires being a safe and courteous driver, having good credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Set aside time to compare rates at least every other year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

Below is a brief review of the car insurance concepts covered above.

• Drivers with DUI or reckless driving convictions may have to pay on average $1,810 more per year for auto insurance
• You may be able to save around $180 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save up to $575 each year
• Consumers who purchase higher levels of liability will pay around $520 per year to increase from a 30/60 limit to higher 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.