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.

U.S. average insurance rates for a Honda Civic are $1,508 a year for full coverage insurance. Comprehensive costs on average $248 each year, collision insurance costs $610, and liability is estimated at $470. A policy with just liability insurance costs approximately $536 a year, and coverage for high-risk drivers costs around $3,314. Teens pay the highest rates at up to $5,826 a year.

Average premium for full coverage: $1,508

Price estimates by individual coverage:

Estimates include $500 policy deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and Civic models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on insurance rates. Rural areas have a lower frequency of physical damage claims than cities with more traffic congestion. The graphic below illustrates how rural and urban location affects car insurance rates.

The ranges above illustrate why all drivers should get quotes based on a specific location and risk profile, 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 different risk profiles and scenarios.

• The cheapest rate after discounts is $855
• Choosing higher $1,000 deductibles can save around $194 each year
• The average rate for the average middle-age driver with $500 deductibles is $1,508
• Selecting low deductibles for comp and collision coverage will increase the cost to $1,894
• Unlucky drivers with serious driving violations could pay upwards of $3,314
• The price for full coverage for a teen driver may cost $5,826 each year

View Chart as Image

Insurance prices for a Honda Civic are also quite variable based on your driving record, the model year and trim level, and policy deductibles and limits.

More mature drivers with a clean driving record and high deductibles may pay as little as $1,400 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay upwards of $5,800 a year. View Rates by Age

The state you live in plays a big part in determining prices for Honda Civic insurance prices. A good driver about age 40 could pay as low as $990 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $2,030 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $580 every year, whereas increasing liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $375 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at a minimum $1,800 to $2,500 extra each year, depending on your age. Insurance for high-risk drivers ranges 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 Low Cost Honda Civic Insurance

Getting lower rates on car insurance takes avoiding accidents and claims, maintaining good credit, not filing small claims, and determing if full coverage is necessary. Set aside time to shop around every time your policy renews by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from local independent and exclusive agents.

The points below are a review of the information raised in the charts and tables above.

• It is possible to save as much as $180 per year just by quoting online in advance
• Drivers under the age of 20 pay the highest prices, as much as $486 a month for full coverage
• Increasing physical damage deductibles can save around $575 each year
• Higher risk drivers who have several accidents or serious violations pay an average of $1,810 more each year to insure a Honda Civic
• Policyholders who require increased liability limits will pay approximately $520 annually to raise limits from a low limit to 250/500 limits

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.