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 rates for a Honda Civic are $1,508 a year including full coverage. Comprehensive insurance costs approximately $248 a year, collision insurance costs $610, and liability is $470. Liability-only insurance costs around $536 a year, and high-risk driver insurance costs $3,314 or more. Teens cost the most to insure at up to $5,826 a year.

Average premium for full coverage: $1,508

Policy rates by type of insurance:

Rate estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and Civic trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how geographic area affects auto insurance prices.

The examples above highlight why it is important to compare rates quotes using their specific location, instead of using averaged prices.

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

Additional Rate Details

The chart below breaks down average Honda Civic insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $855
• Raising to $1,000 deductibles will save $1,314 every year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,508
• Selecting low $100 deductibles will cost an additional $386 every year
• At-risk drivers with serious driving violations could pay around $3,314
• Policy cost that insures a teen driver can cost $5,826

View Chart as Image

Auto insurance rates for a Honda Civic also range considerably based on the trim level of your Civic, your driving record and age, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are likely paying anywhere from $1,800 to $2,500 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 43% to 132% more than the average policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay in the ballpark of $5,800 a year. View Rates by Age

Your home state also has a big influence on Honda Civic insurance prices. A middle-age driver might find rates as low as $1,160 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,150 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $580 every year, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $375 extra every year. View Rates by Deductible or Liability Limit

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 Honda Civic Insurance

Finding cheaper rates on car insurance consists of being a low-risk driver, maintaining a good credit score, paying for small claims out-of-pocket, and possibly higher deductibles. Compare rates every year by obtaining price quotes from direct car insurance companies, and also from local auto insurance providers.

The items below are a brief recap of the coverage data presented in the illustrations above.

• You may be able to save around $180 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $575 each year
• Teen drivers have the highest car insurance rates, with premiums being up to $486 each month if the policy includes full coverage
• Higher risk drivers who tend to receive serious violations will likely pay on average $1,810 more per year to insure their 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.