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 insurance rates for a Honda Civic are $1,512 a year for full coverage. Comprehensive costs around $256, collision costs $626, and liability insurance costs around $450. Liability-only coverage costs as low as $518 a year, with high-risk coverage costing around $3,316. Teenage drivers cost the most to insure at $5,808 a year or more.

Average premium for full coverage: $1,512

Policy rates for type of insurance:

Price estimates include $500 deductible amounts, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all states and for all Civic models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than densely populated cities.

The example below illustrates the effect of geographic area on auto insurance rates.

The examples above show why everyone should compare prices for a specific zip code, rather than relying on average rates.

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

Rate Comparisons

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

• The best discount rate is $857
• Using higher $1,000 deductibles will save about $198 a year
• The estimated price for a good driver age 40 using $500 deductibles is $1,512
• Using pricier low deductibles for physical damage coverage bumps up the cost to $1,908
• Drivers who are prone to accidents and violations could pay at least $3,316 or more
• Policy cost that insures a teen driver for full coverage can be $5,808 or more

View Chart as Image

Insurance rates for a Honda Civic also range considerably based on the model of your Civic, how you drive, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you could be paying at least $1,800 to $2,500 additional every year, depending on your age. Honda Civic insurance for high-risk drivers can be anywhere from 43% to 132% more than a normal policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,400 a year, or $117 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay as much as $5,800 a year. View Rates by Age

Your home state has a huge impact on Honda Civic insurance rates. A driver around age 40 might see rates as low as $1,000 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,160 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $600 each year, whereas buying more liability protection will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $358 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know your exact price is to regularly compare rates from as many companies as possible. Each insurance company uses a different method to calculate rates, and rates will be varied.

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 Cheaper Honda Civic Insurance

Finding cheaper rates on Honda Civic insurance requires having a good driving record, having a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Compare prices at least once a year by obtaining price quotes from direct carriers, and also from several local insurance agents.

The next list is a condensed summary of the primary concepts that were covered in the above illustrations.

• Drivers can save up to $190 per year simply by quoting online well ahead of the renewal date
• High-risk drivers with multiple at-fault accidents pay on average $1,800 more every year to buy Honda Civic insurance
• Increasing comprehensive and collision deductibles can save approximately $600 each year
• Drivers age 20 and younger are charged the highest rates, costing up to $484 each month if comprehensive and collision insurance is included

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.