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.

Estimated insurance prices for a Honda Civic are $1,512 every 12 months for full coverage insurance. Comprehensive insurance costs on average $256 each year, collision costs $626, and liability insurance is estimated at $450. A liability-only policy costs approximately $518 a year, with high-risk insurance costing $3,316 or more. Teens pay the most at $5,808 a year or more.

Average premium for full coverage: $1,512

Premium estimates by type of coverage:

Price estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and Civic models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on insurance rates. Rural areas are statistically proven to have more infrequent physical damage claims than cities with more traffic congestion.

The graphic below illustrates how geographic area affects car insurance rates.

These rate differences illustrate why all drivers should get quotes based on a specific location and their own driving history, rather than relying on averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $857
• Choosing higher $1,000 deductibles can save around $198 each year
• The average price for a 40-year-old good driver with $500 deductibles is $1,512
• Selecting low deductibles for comp and collision coverage costs an extra $396 a year
• High-risk insureds with serious driving violations could pay upwards of $3,316 or more
• An auto insurance policy to insure a teen driver may cost $5,808 each year

View Chart as Image

Auto insurance prices for a Honda Civic also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level of your Civic.

Choosing higher comprehensive and collision insurance deductibles can save as much as $600 each year, whereas increasing liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $358 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles could pay as little as $1,400 annually on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay upwards of $5,800 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying at a minimum $1,800 to $2,500 in extra premium annually, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 132% more than the average policy. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Honda Civic insurance rates. A good driver about age 40 could pay as low as $990 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $2,040 on average in Michigan, New York, and Florida.

View Chart as Image

With such a large range in prices, the only way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Each auto insurer calculates prices differently, and quoted prices will be substantially 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 Cheaper Honda Civic Insurance

Finding better rates on Honda Civic insurance takes being a good driver, having a good credit score, paying for small claims out-of-pocket, and taking advantage of discounts. Invest the time to compare rates every other policy renewal by requesting rates from direct insurance companies, and also from several local insurance agents.

The following list is a condensed summary of the ideas that were presented in the illustrations above.

• Drivers age 16 to 20 are charged the highest prices, with premiums being up to $484 per month if comprehensive and collision insurance is included
• High-risk drivers with multiple at-fault accidents pay on average $1,800 more each year than a safer driver
• Increasing policy deductibles could save as much as $600 each year
• It is possible to save as much as $190 per year simply by quoting online in advance

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.