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.

Estimated insurance rates for a Honda Civic are $1,512 a year with full coverage. Comprehensive insurance costs an estimated $256 each year, collision insurance costs $626, and liability is estimated at $450. A liability-only policy costs approximately $518 a year, and high-risk insurance costs $3,316 or more. Teens pay the most at up to $5,808 a year.

Average premium for full coverage: $1,512

Premium estimates broken down by type of coverage:

Includes $500 physical damage deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and Civic models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on car insurance rates. More rural locations are statistically proven to have a lower frequency of collision claims than cities with more traffic congestion. The graphic below illustrates the effect of geographic area on insurance prices.

These rate differences demonstrate why all drivers should get quotes for a targeted area and risk profile, instead of making a decision based on averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $857
• Choosing higher $1,000 deductibles can save approximately $198 annually
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,512
• Selecting low deductibles for comp and collision coverage will cost an extra $396 annually
• Higher-risk drivers with serious driving violations could pay up to $3,316
• An auto insurance policy for full coverage for a 16-year-old driver can cost as much as $5,808 each year

View Chart as Image

Auto insurance prices for a Honda Civic also have a wide range based on your driving characteristics, the trim level and model year, and liability limits and deductibles.

More mature drivers with a good driving record and high deductibles may pay as low as $1,400 annually on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay at least $5,800 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Honda Civic insurance prices. A good driver about age 40 could pay as low as $1,090 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $2,040 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $600 annually, whereas increasing liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost up to $358 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out $1,800 to $2,500 in extra premium annually, depending on your age. Insurance for high-risk drivers ranges from 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 the Cheapest Honda Civic Insurance

Finding better rates on insurance for a Honda Civic takes being a safe and courteous driver, having good credit, being claim-free, and consideration of higher deductibles. Take the time to compare rates at least every other year by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

Below is a recap of the car insurance concepts covered in the above illustrations.

• Drivers considered higher risk that have major violations or accidents may pay on average $1,800 more annually for auto insurance
• You may be able to save approximately $190 per year just by quoting online in advance
• Increasing policy deductibles can save around $600 each year
• Insureds who want higher levels of liability will pay approximately $500 every year to raise limits from 30/60 bodily injury limits 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.