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 insurance rates for a Honda Civic are $1,508 a year with full coverage. Comprehensive costs on average $248, collision costs $610, and liability is $470. Buying just liability costs around $536 a year, with insurance for high-risk drivers costing around $3,314. 16-year-old drivers receive the highest rates at $5,826 a year or more.

Average premium for full coverage: $1,508

Rate estimates by individual coverage type:

Rates are based on $500 policy deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and for different Civic trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can have significant affects on auto insurance rates. Rural areas tend to have a lower frequency of collision claims than congested cities.

The price range example below illustrates the difference between rural and urban areas on car insurance rates.

These examples demonstrate why anyone shopping for car insurance should compare rates quotes based on a specific location and risk profile, instead of using rate averages.

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

Additional Rate Analysis

The chart below details estimated Honda Civic insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $855
• Raising to $1,000 deductibles will save around $194 annually
• The average rate for a 40-year-old driver with $500 deductibles is $1,508
• Buying more expensive low deductibles will increase the cost to $1,894
• At-risk drivers with multiple tickets or accidents could pay upwards of $3,314 or more
• The cost for full coverage for a teen driver with full coverage may cost $5,826

View Chart as Image

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

An older driver with a good driving record and high deductibles may pay as little as $1,400 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay upwards of $5,800 a year. View Rates by Age

Where you live also has a big influence on Honda Civic insurance prices. A middle-age driver might find rates as low as $1,090 a year in states like New Hampshire, Ohio, and Utah, or at least $2,030 on average in Florida, Michigan, and New York.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $580 every year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost as much as $375 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out at a minimum $1,800 to $2,500 in extra premium per year, depending on your age. High-risk driver insurance is expensive and can cost as much as 43% to 132% more than the average rate. View High Risk Driver Rates

With so much variability in rates, the best way to find out exactly what you will pay is to compare rates and see which company has the best rate. Every auto insurance company utilizes a different rate formula, and quoted rates can be significantly different 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 the Best Cheap Honda Civic Insurance

Saving money on car insurance consists of being safe and accident-free, having good credit, eliminating unnecessary coverage, and taking advantage of discounts. Set aside time to compare rates every year by getting quotes from direct companies like GEICO and Progressive, and also from local insurance agents.

Below you'll find a quick review of the coverage data covered above.

• You may be able to save as much as $180 per year simply by shopping early and online
• Increasing deductibles can save around $575 each year
• Youthful drivers are charged the highest rates, with premiums as much as $486 per month if they have full coverage
• Higher risk drivers with a DUI or reckless driving violation may be required to pay an average of $1,810 more each year than a low-risk driver

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.