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.

U.S. average insurance prices for a Honda Civic are $1,512 every 12 months with full coverage. Comprehensive insurance costs approximately $256, collision costs $626, and liability coverage costs $450. Liability-only coverage costs as little as $518 a year, with high-risk coverage costing $3,316 or more. Teens pay the highest rates at $5,808 a year or more.

Average premium for full coverage: $1,512

Price estimates by individual coverage:

Estimates include $500 deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for all Civic models.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on the price of insurance. Rural locations have more infrequent collision claims than cities with more traffic congestion.

The example below illustrates how geographic area affects auto insurance prices.

The ranges above demonstrate why everyone should compare rates using their specific location and their own driving history, rather than using averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $857
• Drivers who choose higher $1,000 deductibles will pay $198 annually
• The average price for the average middle-age driver who chooses $500 deductibles is $1,512
• Selecting pricier low deductibles for comprehensive and collision insurance costs an extra $396 each year
• High-risk insureds with serious driving violations could pay around $3,316 or more
• The price to insure a teenage driver for full coverage can cost $5,808 a year

View Chart as Image

Auto insurance prices for a Honda Civic are also quite variable based on deductibles and policy limits, your driving record, and the model of your Civic.

Choosing higher comprehensive and collision insurance deductibles could save up to $600 a year, whereas buying more liability protection will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $358 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may only pay around $1,400 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay in the ballpark of $5,800 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out anywhere from $1,800 to $2,500 in extra premium each year, depending on your age. Honda Civic insurance for high-risk drivers can cost around 43% to 132% more than the average policy. View High Risk Driver Rates

The state you live in makes a big difference in Honda Civic insurance rates. A 40-year-old driver could pay as low as $1,090 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $2,040 on average in New York, Michigan, and Florida.

View Chart as Image

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to regularly compare prices and see how they stack up. Every company calculates prices differently, and quoted prices may be quite different.

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 Shop for Low Cost Honda Civic Insurance

Getting lower rates on auto insurance not only requires not taking risks behind the wheel, but also having a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Invest the time to compare rates at least every other year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following is a review of the car insurance concepts presented in the illustrations above.

• Drivers who have several accidents or serious violations could be forced to pay on average $1,800 more per year for Civic insurance
• You may be able to save around $190 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles could save as much as $600 each year
• Consumers who purchase higher liability limits will pay approximately $500 every year to go from a low limit to a 250/500 level

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.