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 auto insurance rates for a Honda Civic are $1,512 annually including full coverage. Comprehensive insurance costs approximately $256 a year, collision costs $626, and liability coverage is $450. Liability-only insurance costs around $518 a year, with high-risk driver insurance costing $3,316 or more. 16-year-old drivers pay the highest rates at $5,808 a year or more.

Average premium for full coverage: $1,512

Price estimates by individual coverage:

Rate estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Civic trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on car insurance prices. Rural locations have fewer comprehensive and collision claims than congested cities.

The diagram below illustrates how location helps determine auto insurance prices.

The ranges above highlight why it is important to compare rates quotes 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.

Additional Charts and Tables

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

• The best full coverage rate is $857
• Raising to $1,000 deductibles will save $1,314 every year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,512
• Buying low $100 deductibles costs an additional $396 each year
• Unlucky drivers with multiple tickets or accidents could pay around $3,316 or more
• The price with full coverage for a teenage driver can cost $5,808

View Chart as Image

Car insurance prices for a Honda Civic are also quite variable based on the trim level and model year, your driving characteristics, and physical damage deductibles and liability limits.

Older drivers with no driving violations and high physical damage deductibles may only pay around $1,400 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged in the ballpark of $5,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying anywhere from $1,800 to $2,500 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 132% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce prices by up to $600 a year, while buying higher liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $358 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Honda Civic insurance rates. A middle-age driver might find prices as low as $1,160 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,160 on average in Louisiana, New York, and Michigan.

View Chart as Image

Since prices can be so different, the best way to figure out who has the best auto insurance prices is to get quotes and see how they stack up. Every auto insurance company utilizes a different rate formula, so rate quotes may be quite different 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 the Best Honda Civic Insurance

Getting lower rates on auto insurance consists of having a decent driving record, having a good credit score, being claim-free, and avoiding coverage lapses. Invest time comparing rates every time your policy renews by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The following items are a brief recap of the information covered in the charts and tables above.

• You may be able to save around $190 per year simply by quoting early and online
• 16 to 18-year-old drivers pay the highest auto insurance prices, possibly costing $484 a month if comprehensive and collision insurance is included
• Increasing physical damage deductibles could save up to $600 each year
• Drivers who tend to receive serious violations may have to pay on average $1,800 more per year than a driver with a clean driving record
• Consumers who purchase additional liability coverage will pay around $500 per year to raise from a low 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.