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 insurance. Comprehensive costs approximately $256, collision insurance costs $626, and liability costs $450. Liability-only insurance costs as little 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 by type of coverage:

Price estimates include $500 policy deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and for different Civic trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on the price of auto insurance. Rural locations are statistically proven to have lower incidents of physical damage claims than cities with more traffic congestion. The price range example below illustrates how location impacts auto insurance prices.

These rate differences illustrate why anyone shopping for car insurance should compare rates using their specific location, instead of using averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $857
• Drivers who choose higher $1,000 deductibles will pay $198 each year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,512
• Selecting more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,908
• Higher-risk drivers with serious driving violations could pay around $3,316
• An auto insurance policy that insures a teen driver with full coverage can cost $5,808 a year

View Chart as Image

Insurance prices for a Honda Civic also have a wide range based on the model year and trim level, your age and driving record, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you are probably paying anywhere from $1,800 to $2,500 additional annually, depending on your age. High-risk driver insurance can cost as much as 43% to 132% more than the average policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,400 per year on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,800 a year. View Rates by Age

Where you choose to live makes a big difference in Honda Civic insurance prices. A 40-year-old driver could pay as low as $990 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,040 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $600 every year, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $358 more each 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 Cheaper Honda Civic Insurance

Finding better rates on car insurance not only requires avoiding accidents and claims, but also having a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Compare rates every time your policy renews by requesting quotes from direct insurance companies, and also from your local car insurance providers.

The points below are a condensed summary of the information touched on above.

• It is possible to save around $190 per year just by shopping early and online
• Drivers under the age of 20 are the costliest to insure, with premiums being up to $484 per month if comprehensive and collision insurance is included
• Increasing policy deductibles can save approximately $600 each year
• Higher risk drivers with multiple at-fault accidents could be charged and average of $1,800 more per year to insure a Honda Civic
• Policyholders who purchase increased liability limits will pay approximately $500 annually to go from 30/60 bodily injury limits to the 250/500 level

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.