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 $1,512 a year including full coverage. Comprehensive costs around $256 a year, collision costs $626, and liability coverage is estimated at $450. A policy with just liability insurance costs approximately $518 a year, with coverage for high-risk drivers costing around $3,316. Teen drivers receive the highest rates at $5,808 a year or more.

Average premium for full coverage: $1,512

Rate estimates for individual coverage type:

Full coverage includes $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and Civic trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on the price of insurance. Areas with sparse population tend to have a lower frequency of comprehensive and collision claims than larger metro areas.

The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

These examples highlight why it is important to get quotes for a specific zip code and risk profile, rather than using price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $857
• Choosing higher $1,000 deductibles can save about $1,314 every year
• The average rate for a 40-year-old driver using $500 deductibles is $1,512
• Choosing low $100 deductibles for comp and collision coverage will increase the cost to $1,908
• Drivers with multiple violations and an at-fault accident could pay at least $3,316 or more
• The cost for full coverage for a teenage driver can be $5,808 each year

View Chart as Image

Insurance rates for a Honda Civic can also vary considerably based on your driver profile, the model of your Civic, and deductibles and policy limits.

Older drivers with no violations or accidents and high deductibles may only pay around $1,400 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay as much as $5,800 a year. View Rates by Age

Where you live plays a big part in determining prices for Honda Civic insurance rates. A good driver about age 40 could pay as low as $1,160 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,160 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles can save as much as $600 a year, while buying higher liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will cost as much as $358 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying at least $1,800 to $2,500 additional per year, depending on your age. A high-risk auto insurance policy ranges around 43% to 132% more than average. View High Risk Driver Rates

With so much variability in rates, the best way to figure out your exact price is to get quotes and see how they stack up. Each auto insurer uses a different rate calculation, and 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 More Affordable Honda Civic Insurance

Saving money on auto insurance takes avoiding accidents and claims, having a good credit history, not filing small claims, and taking advantage of discounts. Set aside time to compare rates every couple of years by quoting rates from direct car insurance companies like GEICO and Progressive, and also from several local insurance agents.

The points below are a summary of the material that was covered above.

• Consumers who may need increased liability limits will pay about $500 per year to raise limits from a minimum limit to 250/500 limits
• Drivers under the age of 20 are charged the highest rates, as much as $484 per month including comprehensive and collision insurance
• Drivers who have multiple accidents or major violations pay on average $1,800 more every year to insure a Honda Civic
• Increasing deductibles can save around $600 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.