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 auto insurance rates for a Honda Civic are $1,508 annually for full coverage. Comprehensive insurance costs an estimated $248, collision insurance costs $610, and liability coverage costs around $470. Buying just liability costs as low as $536 a year, and insurance for high-risk drivers costs $3,314 or more. Teenage drivers receive the highest rates at up to $5,826 a year.

Average premium for full coverage: $1,508

Rate estimates broken down by individual coverage type:

Rate estimates include $500 deductible amounts, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and for all Civic models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on insurance rates. More rural locations tend to have fewer accident claims than densely populated cities. The example below illustrates how your location can change insurance prices.

These examples show why everyone should compare prices for a targeted area and their own personal driving habits, rather than using average rates.

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

More Rate Information

The chart below shows average Honda Civic insurance rates for other coverage scenarios.

• The best discount rate is $855
• Using higher $1,000 deductibles will save approximately $194 a year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,508
• Using pricier low deductibles for physical damage coverage costs an additional $386 each year
• Higher-risk drivers who are prone to accidents and violations could pay up to $3,314
• The cost with full coverage for a teenage driver for full coverage can cost as much as $5,826 or more

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

A more mature driver with a good driving record and high physical damage deductibles may only pay around $1,400 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay at least $5,800 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying $1,800 to $2,500 in extra premium per year, depending on your age. Honda Civic insurance for high-risk drivers can be around 43% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $580 a year, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $375 extra every year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Honda Civic insurance rates. A driver around age 40 might see rates as low as $990 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,150 on average in New York, Louisiana, and Michigan.

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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 Buy the Best Honda Civic Insurance

Saving money on auto insurance requires having a good driving record, having above-average credit, eliminating unneeded coverage, and consideration of higher deductibles. Invest the time to shop around every couple of years by getting rate quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

The next list is a brief recap of the material that was illustrated above.

• Consumers who want increased levels of liability coverage will pay an extra $520 each year to increase from a minimum limit to higher 250/500 limits
• Drivers age 20 and younger are the costliest to insure, costing as high as $486 per month if full coverage is included
• Drivers who tend to receive serious violations may pay on average $1,810 more annually to buy Honda Civic insurance
• Increasing deductibles could save up to $575 each year

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.