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 with full coverage. Comprehensive costs around $248, collision costs $610, and liability coverage is $470. Liability-only insurance costs around $536 a year, with high-risk driver insurance costing around $3,314. 16-year-old drivers pay the highest rates at $5,826 a year or more.

Average premium for full coverage: $1,508

Price estimates for individual coverage:

Prices include $500 policy deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and for different Civic trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on insurance rates. Areas with sparse population have lower incidents of collision claims than congested cities.

The price range example below illustrates how rural and urban location affects auto insurance rates.

The ranges above demonstrate why anyone shopping for car insurance should compare rates quotes for a specific zip code, rather than using rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $855
• Raising to $1,000 deductibles will save about $194 annually
• The estimated price for the average middle-age driver using $500 deductibles is $1,508
• Buying more expensive low deductibles bumps up the cost to $1,894
• Unlucky drivers with multiple tickets or accidents could pay at least $3,314 or more
• The price that insures a teenage driver with full coverage can be $5,826

View Chart as Image

Car insurance prices for a Honda Civic are also quite variable based on the model year and trim level, your age and driving habits, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you may be forking out at least $1,800 to $2,500 extra each year, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 132% more than the average rate. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,400 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged as much as $5,800 a year. View Rates by Age

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 $1,090 a year in states like New Hampshire, Ohio, and Utah, or at least $2,030 on average in Florida, Michigan, and New York.

View Chart as Image

Opting for high physical damage deductibles can reduce prices by up to $580 a year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $375 extra every 12 months. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out your exact price is to compare prices and see how they stack up. Every auto insurance company utilizes a different rate formula, so rate quotes 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 the Right Honda Civic Insurance

Getting lower rates on auto insurance consists of being safe and accident-free, having a positive credit history, avoid buying unnecessary coverage, and qualifying for all possible discounts. Comparison shop once a year by requesting quotes from direct companies, and also from your local independent and exclusive agents.

Below you'll find a quick rundown of the data that was raised in the charts and tables above.

• You may be able to save up to $180 per year simply by shopping early and online
• Consumers who may need more liability protection will pay around $520 every year to raise from a low limit to the 250/500 level
• Youthful drivers are the costliest to insure, costing up to $486 a month if full coverage is purchased
• Drivers with reckless driving or DUI convictions may pay on average $1,810 more every year than a low-risk driver

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.