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 $1,512 a year for full coverage. Comprehensive costs around $256, collision insurance costs $626, and liability costs around $450. Liability-only insurance costs as low as $518 a year, and high-risk driver insurance costs around $3,316. Teens pay the most at up to $5,808 a year.

Average premium for full coverage: $1,512

Premium estimates for type of coverage:

Rates are based on $500 policy deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 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. Areas with sparse population are statistically proven to have a lower frequency of accident claims than cities with more traffic congestion. The example below illustrates how where you live affects auto insurance rates.

These rate differences show why everyone should compare prices for a specific zip code and risk profile, instead of using averaged prices.

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

Detailed Rate Analysis

The chart below shows average Honda Civic insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $857
• Using higher $1,000 deductibles will save about $198 a year
• The average rate for a 40-year-old good driver using $500 deductibles is $1,512
• Selecting pricier low deductibles for physical damage coverage will increase the cost to $1,908
• Drivers with serious driving violations could pay at least $3,316
• An auto insurance policy for full coverage for a teen driver for full coverage can be $5,808 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 of your Civic, and deductibles and policy 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 much higher for drivers in their teens, where even good drivers should be prepared to pay as much as $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 $1,000 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,160 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $600 every year, whereas buying more liability protection will increase prices. Going from a 50/100 limit to a 250/500 limit will cost up to $358 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at least $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 policy. 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 the Best Cheap Honda Civic Insurance

Finding better rates on car insurance requires avoiding accidents and claims, having a good credit history, not filing small claims, and deciding if full coverage is necessary. Take the time to comparison shop once a year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The points below are a quick review of the data that was touched on in the above illustrations.

• Drivers can save up to $190 per year just by quoting online well ahead of the renewal date
• Policyholders who may need increased liability limits will pay approximately $500 each year to increase from 30/60 bodily injury limits to 250/500 limits
• Drivers under the age of 20 are charged the highest prices, as much as $484 per month including comprehensive and collision insurance
• Higher risk drivers with a DUI or reckless driving violation may be required to pay an average of $1,800 more every year to insure a Honda Civic

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.