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 around $248 a year, collision costs $610, and liability coverage costs around $470. A liability-only policy costs as low as $536 a year, with high-risk insurance costing $3,314 or more. 16-year-old drivers cost the most to insure at $5,826 a year or more.

Average premium for full coverage: $1,508

Policy rates for type of insurance:

Prices are based on $500 deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Civic trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than congested cities.

The diagram below illustrates the difference location can make on auto insurance rates.

The examples above highlight why it is important to compare prices for a specific zip code and risk profile, rather than using rate averages.

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

Rate Comparisons

The chart below breaks down estimated Honda Civic insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $855
• Using higher $1,000 deductibles will save about $1,314 every year
• The average rate for a good driver age 40 using $500 deductibles is $1,508
• Buying low $100 deductibles for physical damage coverage will cost an extra $386 each year
• Higher-risk drivers with multiple tickets or accidents could pay at least $3,314 or more
• Policy cost for full coverage for a teenage driver can be $5,826 or more

View Chart as Image

Car insurance rates for a Honda Civic also range considerably based on your risk profile, the model of your Civic, and deductibles and policy limits.

Older drivers with no driving violations and high deductibles may only pay around $1,400 a year, or $117 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged as much as $5,800 a year. View Rates by Age

Your home state has a huge impact on Honda Civic insurance rates. A driver around age 40 might see rates as low as $1,160 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,150 on average in Michigan, New York, and Louisiana.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $580 a year, while buying higher liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $375 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at least $1,800 to $2,500 extra every year, depending on your age. A high-risk auto insurance policy can be around 43% to 132% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out your exact price is to get quotes and see how they stack up. Each insurance company utilizes a different rate formula, so rate quotes will be varied 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

Finding cheaper rates on auto insurance requires not taking risks behind the wheel, having above-average credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Make time to compare rates every couple of years by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following is a brief review of the material that was touched on in this article.

• Consumers who may need higher liability limits will pay around $520 per year to increase from a 30/60 limit to 250/500 limits
• Teens are the costliest to insure, with premiums being up to $486 each month if full coverage is included
• Drivers with DUI or reckless driving convictions pay on average $1,810 more every year for Civic insurance
• Increasing comprehensive and collision deductibles can save around $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.