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 auto insurance rates for a Honda Civic are $1,512 annually for full coverage insurance. Comprehensive insurance costs around $256 a year, collision costs $626, and liability costs around $450. Liability-only coverage costs as low as $518 a year, with high-risk coverage costing $3,316 or more. 16-year-old 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:

Estimates include $500 policy deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and Civic trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. Areas with sparse population are shown to have fewer physical damage claims than congested cities.

The diagram below illustrates how location impacts auto insurance rates.

The examples above illustrate why it is important to compare prices for a specific zip code and their own personal driving habits, instead of making a decision based on rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $857
• Using higher $1,000 deductibles will save about $1,314 each year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,512
• Buying low $100 deductibles for physical damage coverage costs an additional $396 annually
• High-risk insureds with multiple tickets or accidents could pay at least $3,316 or more
• Policy cost with full coverage for a 16-year-old driver can be $5,808 or more

View Chart as Image

Insurance rates for a Honda Civic also range considerably based on the model year and trim level, your risk profile, and deductibles and policy limits.

Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,400 a year, or $117 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay as much as $5,800 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying at least $1,800 to $2,500 additional every year, depending on your age. A high-risk auto insurance policy can be from 43% to 132% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut rates by as much as $600 annually, while buying higher liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $358 more each year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Honda Civic insurance prices. A driver around age 40 might see rates as low as $990 a year in states like Vermont, Wisconsin, and North Carolina, or at least $2,040 on average in Michigan, New York, and Florida.

View Chart as Image

Because rates have so much variability, the only way to figure out your exact price is to get quotes from multiple companies. Each insurance company utilizes a different rate formula, and rates will be varied 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 Low Cost Honda Civic Insurance

Finding cheaper rates on insurance for a Honda Civic requires being safe and accident-free, having good credit, being claim-free, and taking advantage of discounts. Spend time shopping around at every policy renewal by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below you'll find a review of the data touched on above.

• Insureds who may need more liability protection will pay around $500 annually to increase from a 30/60 limit to higher 250/500 limits
• It is possible to save up to $190 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $600 each year
• Youthful drivers are charged the highest rates, possibly costing $484 each month if they have full coverage

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.