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.

U.S. average insurance rates for a Honda Civic are $1,508 a year for full coverage insurance. Comprehensive costs on average $248, collision insurance costs $610, and liability costs around $470. A policy with just liability insurance costs as low as $536 a year, and coverage for high-risk drivers costs around $3,314. 16-year-old drivers pay the highest rates at up to $5,826 a year.

Average premium for full coverage: $1,508

Price estimates by individual coverage:

Prices are based on $500 physical damage insurance deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and for different Civic trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on insurance rates. Rural areas have lower incidents of physical damage claims than congested cities. The price range example below illustrates how rural and urban location affects car insurance rates.

The ranges above illustrate why anyone shopping for car insurance should compare prices based on a specific location, instead of making a decision based on rate averages.

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

Additional Charts and Tables

The chart below illustrates average Honda Civic insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $855
• Using higher $1,000 deductibles will save around $194 each year
• The estimated price for the average middle-age driver with $500 deductibles is $1,508
• Buying more expensive low deductibles for physical damage coverage bumps up the cost to $1,894
• High-risk insureds with multiple tickets or accidents could pay upwards of $3,314
• The price that insures a 16-year-old driver with full coverage may cost $5,826 or more

View Chart as Image

Insurance prices for a Honda Civic are also quite variable based on the model year and trim level, your age and driving record, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you are probably paying at a minimum $1,800 to $2,500 extra each year, depending on your age. High-risk driver insurance can be from 43% to 132% more than the average rate. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,400 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay upwards of $5,800 a year. View Rates by Age

The state you live in has a huge impact on Honda Civic insurance prices. A driver around age 40 might see prices as low as $990 a year in states like Vermont, Wisconsin, and North Carolina, or at least $2,030 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $580 annually, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $375 more per year. View Rates by Deductible or Liability Limit

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 Affordable Honda Civic Insurance

Getting lower rates on insurance for a Honda Civic requires being a low-risk driver, having above-average credit, not filing small claims, and determing if full coverage is necessary. Comparison shop at every policy renewal by quoting rates from direct insurance companies, and also from your local independent and exclusive agents.

The items below are a brief review of the data raised in the charts and tables above.

• Insureds who require more liability coverage will pay around $520 annually to increase from a low limit to the 250/500 level
• It is possible to save as much as $180 per year just by shopping early and online
• Increasing physical damage deductibles can save approximately $575 each year
• Teen drivers pay the highest prices, as much as $486 a 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.