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 auto insurance rates for a Honda Civic are $1,508 annually for full coverage insurance. Comprehensive insurance costs approximately $248, collision insurance costs $610, and liability costs $470. Liability-only coverage costs as little as $536 a year, and high-risk coverage costs $3,314 or more. 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, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and for all Civic models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on the price of auto insurance. Rural locations are statistically proven to have fewer physical damage claims than cities with more traffic congestion. The example below illustrates how where you live affects auto insurance prices.

These rate differences illustrate why everyone should compare rates using their specific location and their own personal driving habits, instead of using averaged prices.

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

Detailed Rate Analysis

The chart below illustrates 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 each year
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,508
• Selecting pricier low deductibles for comprehensive and collision insurance costs an additional $386 every year
• Higher-risk drivers with serious driving violations could pay around $3,314
• An auto insurance policy with full coverage for a teen driver for full coverage can cost $5,826 a year

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

A more mature driver with a clean driving record and high physical damage deductibles may pay as little as $1,400 per year on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay in the ballpark of $5,800 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying anywhere from $1,800 to $2,500 extra annually, depending on your age. Honda Civic insurance for high-risk drivers can cost as much as 43% to 132% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $580 every year, whereas buying more liability protection will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $375 more per year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Honda Civic insurance prices. A 40-year-old driver could pay as low as $990 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,030 on average in Florida, New York, and Michigan.

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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 Buy the Best Honda Civic Insurance

Finding better rates on car insurance not only requires being a good driver, but also having a good credit history, paying for small claims out-of-pocket, and possibly raising deductibles. Take the time to comparison shop once a year by requesting quotes from direct insurance companies, and also from insurance agencies where you live.

The following list is a brief recap of the data that was touched on in the above illustrations.

• It is possible to save around $180 per year just by quoting online well ahead of the renewal date
• Policyholders who purchase an increased level of liability coverage will pay approximately $520 annually to go from 30/60 bodily injury limits to higher 250/500 limits
• Drivers age 16 to 20 are expensive to insure, with premiums being up to $486 per month including comprehensive and collision insurance
• Higher risk drivers who tend to receive serious violations could be forced to pay on average $1,810 more per year than a safer 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.