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 insurance prices for a Honda Civic are $1,512 every 12 months with full coverage. Comprehensive costs approximately $256, collision costs $626, and liability costs around $450. A liability-only policy costs as low as $518 a year, with high-risk insurance costing around $3,316. 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 by type of insurance:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and for different Civic trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on the price of insurance. Rural locations are shown to have more infrequent collision claims than congested cities.

The price range example below illustrates how location helps determine auto insurance prices.

The examples above demonstrate why anyone shopping for car insurance should compare prices using their specific location and their own driving history, instead of using rate averages.

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

Rates by State, City, and Model

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

• The best full coverage rate is $857
• Using higher $1,000 deductibles will save $198 annually
• The average price for a good driver age 40 who chooses $500 deductibles is $1,512
• Buying more expensive low deductibles for physical damage coverage increases the price to $1,908
• Drivers with multiple tickets or accidents could pay around $3,316 or more
• Policy cost to insure a teen driver with full coverage can cost $5,808 or more

View Chart as Image

Car insurance rates for a Honda Civic also range considerably based on liability limits and deductibles, your driving record, and the model of your Civic.

Opting for high physical damage deductibles could cut rates by as much as $600 every year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $358 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may pay as little as $1,400 a year, or $117 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged in the ballpark of $5,800 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out anywhere from $1,800 to $2,500 extra every year, depending on your age. High-risk driver insurance can be as much as 43% to 132% more than the average rate. View High Risk Driver Rates

Your home state has a huge impact on Honda Civic insurance prices. A driver around age 40 might see rates as low as $1,090 a year in states like Utah, Ohio, and New Hampshire, or at least $2,040 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to compare rates and see which company has the best rate. Each insurance company utilizes a different rate formula, so rate quotes will be varied.

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 the Best Honda Civic Insurance

Finding cheaper rates on car insurance requires having a decent driving record, maintaining a good credit score, not filing small claims, and avoiding coverage lapses. Invest time comparing rates at every policy renewal by getting rate quotes from direct companies, and also from insurance agencies where you live.

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

• Policyholders who purchase additional liability coverage will pay around $500 every year to increase from a 30/60 limit to a 250/500 level
• You may be able to save around $190 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save as much as $600 each year
• 16 to 18-year-old drivers pay the highest auto insurance rates, as much as $484 each month if the policy includes 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.