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 rates for a Honda Civic are $1,508 a year for full coverage. Comprehensive insurance costs on average $248, collision costs $610, and liability is $470. Buying just liability costs around $536 a year, with insurance for high-risk drivers costing $3,314 or more. Teenage drivers pay the highest rates at $5,826 a year or more.

Average premium for full coverage: $1,508

Price estimates by individual coverage:

Prices are based on $500 deductible amounts, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and for different Civic trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas have lower incidents of accident claims than densely populated cities.

The price range example below illustrates how geographic area affects car insurance rates.

The ranges above show why anyone shopping for car insurance should compare rates quotes based on a specific location, instead of making a decision based on average rates.

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

Additional Rate Information

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

• The best discount rate is $855
• Raising to $1,000 deductibles will save around $194 a year
• The estimated price for the average middle-age driver with $500 deductibles is $1,508
• Using more expensive low deductibles will cost an additional $386 annually
• Drivers who are prone to accidents and violations could pay upwards of $3,314 or more
• The price that insures a 16-year-old driver with full coverage may cost $5,826

View Chart as Image

Insurance prices for a Honda Civic are also quite variable based on the model year and trim level, how you drive, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you could be paying at a minimum $1,800 to $2,500 additional each year, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 132% more than a normal policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,400 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay upwards of $5,800 a year. View Rates by Age

The state you live in also has a big influence on Honda Civic insurance prices. A middle-age driver might find prices as low as $990 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,150 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $580 annually, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $375 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know exactly what you will pay is to compare prices from multiple companies. Every auto insurance company uses a different method to calculate prices, and 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 Find Affordable Honda Civic Insurance

Getting lower rates on insurance for a Honda Civic consists of having a good driving record, having a good credit score, eliminating unnecessary coverage, and insuring your home and auto with the same company. Compare prices every year by requesting rates from direct carriers, and also from local exclusive and independent agents.

The next list is a brief review of the coverage data presented in the illustrations above.

• Drivers can save as much as $180 per year simply by shopping early and online
• Increasing physical damage deductibles can save approximately $575 each year
• Drivers age 20 and younger pay higher prices, with premiums as much as $486 a month if comprehensive and collision insurance is included
• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,810 more each year to buy Honda Civic insurance

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.