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 including full coverage. Comprehensive insurance costs on average $248 a year, collision costs $610, and liability insurance costs $470. A liability-only policy costs as little as $536 a year, with high-risk insurance costing $3,314 or more. Teenage 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:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 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

Your location has a significant impact on car insurance rates. Rural areas tend to have lower incidents of comprehensive and collision claims than densely populated cities.

The diagram below illustrates how location helps determine car insurance rates.

These examples highlight why it is important to compare rates based on a specific location, rather than relying on average rates.

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 different risk profiles and scenarios.

• The best discount rate is $855
• Drivers who choose higher $1,000 deductibles will pay around $1,314 every year
• The estimated price for a 40-year-old driver with $500 deductibles is $1,508
• Using low $100 deductibles for comprehensive and collision insurance will cost an additional $386 a year
• High risk drivers who are prone to accidents and violations could pay upwards of $3,314 or more
• The cost that insures a teen driver may cost $5,826 a year

View Chart as Image

Insurance rates for a Honda Civic can also vary considerably based on the trim level of your Civic, your driving record and age, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you are likely paying at a minimum $1,800 to $2,500 extra per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 132% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,400 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay upwards of $5,800 a year. View Rates by Age

Where you live makes a big difference in Honda Civic insurance rates. A 40-year-old driver could pay as low as $1,160 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,150 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could save up to $580 each year, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $375 more per year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different method to calculate rates, so the rates can be significantly different.

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 Honda Civic insurance not only requires having a decent driving record, but also having above-average credit, not filing small claims, and bundling your home and auto policies. Compare prices at every policy renewal by getting price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following items are a summary of the data covered in the charts and tables above.

• Drivers who require additional liability coverage will pay an extra $520 per year to go from a minimum limit to the 250/500 level
• You may be able to save as much as $180 per year simply by quoting early and online
• Increasing deductibles can save approximately $575 each year
• 16 to 18-year-old drivers pay the highest rates, as much as $486 per month if full coverage is included

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.