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 prices for a Honda Civic are $1,508 every 12 months including full coverage. Comprehensive costs approximately $248, collision insurance costs $610, and liability coverage costs $470. Liability-only insurance costs as little as $536 a year, and high-risk driver insurance costs around $3,314. Teens pay the most at up to $5,826 a year.

Average premium for full coverage: $1,508

Premium estimates by type of coverage:

Rate estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and for different Civic trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on car insurance prices. Rural locations are statistically proven to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates how rural and urban location affects auto insurance prices.

These rate differences highlight why anyone shopping for car insurance should compare rates using their specific location and their own driving history, rather than using averaged prices.

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

Additional Rate Information

The chart below breaks down average Honda Civic insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $855
• Drivers who choose higher $1,000 deductibles will pay $194 every year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,508
• Selecting more expensive low deductibles for comprehensive and collision insurance increases the price to $1,894
• High-risk insureds with serious driving violations could pay around $3,314
• An auto insurance policy to insure a teenage driver with full coverage can cost $5,826 a year

View Chart as Image

Insurance prices for a Honda Civic also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model of your Civic.

Choosing higher comprehensive and collision insurance deductibles could save up to $580 a year, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $375 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may only pay around $1,400 per year on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay in the ballpark of $5,800 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying anywhere from $1,800 to $2,500 additional annually, depending on your age. High-risk driver insurance can cost around 43% to 132% more than the average policy. View High Risk Driver Rates

Where you choose to 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 Vermont, New Hampshire, and Missouri, or have to pay at least $2,150 on average in Louisiana, New York, and Michigan.

View Chart as Image

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 Shop for the Best Honda Civic Insurance

Finding better rates on auto insurance not only requires avoiding accidents and claims, but also having above-average credit, refrain from filing small claims, and consideration of higher deductibles. Set aside time to shop around every other policy renewal by requesting quotes from direct car insurance companies, and also from your local car insurance providers.

The points below are a brief recap of the ideas that were raised in the charts and tables above.

• Drivers under the age of 20 are the costliest to insure, with the cost nearing $486 per month if full coverage is included
• Drivers who tend to receive serious violations could be charged and average of $1,810 more per year to insure a Honda Civic
• Increasing policy deductibles could save as much as $575 each year
• You may be able to save around $180 per year just by shopping early and online

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.