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.

Average insurance rates for a Honda Civic are $1,508 a year for full coverage insurance. Comprehensive costs an estimated $248 each year, collision costs $610, and liability costs around $470. Liability-only coverage costs as low as $536 a year, with high-risk coverage costing around $3,314. Teens receive the highest rates at $5,826 a year or more.

Average premium for full coverage: $1,508

Rate estimates broken down by individual coverage type:

Prices are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and Civic models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on the price of insurance. More rural locations tend to have a lower frequency of physical damage claims than cities with more traffic congestion.

The graphic below illustrates how location helps determine insurance prices.

These examples illustrate why all drivers should compare prices for a targeted area and risk profile, instead of using averaged prices.

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

Additional Rate Details

The chart below illustrates estimated Honda Civic insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $855
• Using higher $1,000 deductibles will save approximately $194 each year
• The average rate for a 40-year-old driver who has $500 deductibles is $1,508
• Selecting low deductibles for physical damage coverage will increase the cost to $1,894
• Drivers with serious driving violations could pay up to $3,314 or more
• The cost for full coverage for a teen driver can cost as much as $5,826 or more

View Chart as Image

Car insurance rates for a Honda Civic can also vary considerably based on your driver profile, the model year and trim level, and liability limits and deductibles.

More mature drivers with no driving violations and high deductibles may pay as little as $1,400 a year for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged at least $5,800 a year. View Rates by Age

Where you live 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 North Carolina, Wisconsin, and Vermont, or have to pay at least $2,030 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $580 every year, whereas increasing liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost as much as $375 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying $1,800 to $2,500 extra per year, depending on your age. Insurance for high-risk drivers can be as much as 43% to 132% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the only way to figure out which company is cheapest is to do a rate comparison and see which company has the best rate. Each insurance company calculates rates differently, so rate quotes can be significantly different from one company to the next.

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 Affordable Honda Civic Insurance

Saving money on car insurance requires having a decent driving record, having above-average credit, avoid buying unnecessary coverage, and not having any coverage lapses. Invest time comparing rates at every policy renewal by requesting quotes from direct insurance companies like GEICO and Progressive, and also from several local insurance agents.

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

• Policyholders who want additional liability coverage will pay approximately $520 annually to increase from a minimum limit to 250/500 limits
• It is possible to save approximately $180 per year simply by quoting online in advance
• Increasing deductibles can save around $575 each year
• 16 to 18-year-old drivers have the highest car insurance rates, costing up to $486 per month if full coverage is included

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.