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 rates for a Honda Civic are $1,508 a year with full coverage. Comprehensive costs on average $248, collision insurance costs $610, and liability costs around $470. Liability-only insurance costs as low as $536 a year, and high-risk driver insurance costs around $3,314. 16-year-old drivers pay the most at up to $5,826 a year.

Average premium for full coverage: $1,508

Premium estimates by type of coverage:

Price estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and for all Civic models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on auto insurance rates. Rural areas are statistically proven to have a lower frequency of collision claims than congested cities. The example below illustrates how location impacts car insurance rates.

These rate differences demonstrate why everyone should compare prices based on a specific location and risk profile, 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 average Honda Civic insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $855
• Using higher $1,000 deductibles will save around $194 annually
• The average rate for a 40-year-old good driver with $500 deductibles is $1,508
• Buying pricier low deductibles for physical damage coverage will increase the cost to $1,894
• Drivers with multiple tickets or accidents could pay upwards of $3,314
• An auto insurance policy for full coverage for a teen driver for full coverage may cost $5,826 or more

View Chart as Image

Insurance prices for a Honda Civic also have a wide range based on your driving characteristics, the trim level and model year, and policy deductibles and limits.

A more mature driver with no violations or accidents and high deductibles may pay as little as $1,400 a year, or $117 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers should be prepared to pay upwards of $5,800 a year. View Rates by Age

Where you choose to live has a huge impact on Honda Civic insurance prices. A driver around age 40 might see 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 could cut prices by as much as $580 every year, whereas buying more liability protection will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost up to $375 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out at a minimum $1,800 to $2,500 additional annually, depending on your age. Honda Civic insurance for high-risk drivers can be as much as 43% to 132% more than the average rate. View High Risk Driver Rates

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 Cheaper Honda Civic Insurance

Finding better rates on car insurance requires being a safe and courteous driver, having a good credit history, being claim-free, and dropping full coverage on older vehicles. Spend time shopping around every other policy renewal by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agents.

Below is a condensed summary of the ideas that were touched on above.

• Teenage drivers pay higher prices, possibly costing $486 per month including comprehensive and collision insurance
• Higher risk drivers with multiple at-fault accidents may be required to pay an average of $1,810 more each year for auto insurance
• Increasing policy deductibles can save around $575 each year
• You may be able to save as much as $180 per year just by quoting online well ahead of the renewal date

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.