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 auto insurance rates for a Honda Civic are $1,508 annually for full coverage. Comprehensive costs approximately $248, collision costs $610, and liability coverage is estimated at $470. Liability-only coverage costs approximately $536 a year, with high-risk coverage costing around $3,314. Teens pay the highest rates at $5,826 a year or more.

Average premium for full coverage: $1,508

Price estimates by individual coverage:

Price estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and for different Civic trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on car insurance rates. Rural locations have fewer accident claims than cities with more traffic congestion.

The price range example below illustrates how where you live affects auto insurance prices.

The ranges above show why anyone shopping for car insurance should get quotes using their specific location and their own personal driving habits, rather than using averaged prices.

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

More Rate Information

The chart below shows estimated Honda Civic insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $855
• Choosing higher $1,000 deductibles can save $194 a year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,508
• Selecting more expensive low deductibles for comp and collision coverage will cost $1,894
• Drivers with serious driving violations could pay around $3,314 or more
• The price with full coverage for a teenage driver with full coverage can cost $5,826 each year

View Chart as Image

Auto insurance prices for a Honda Civic are also quite variable based on the trim level and model year, your driver profile, and physical damage deductibles and liability limits.

An older driver with a good driving record and high physical damage deductibles may only pay around $1,400 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay in the ballpark of $5,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying anywhere from $1,800 to $2,500 in extra premium each year, depending on your age. High-risk driver insurance ranges around 43% to 132% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $580 a year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $375 extra every year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Honda Civic insurance rates. A good driver about age 40 could pay as low as $990 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,150 on average in New York, Louisiana, and Michigan.

View Chart as Image

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to compare prices and see how they stack up. Each auto insurer calculates prices differently, and quoted prices may be quite different between companies.

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 Cheaper Honda Civic Insurance

Getting lower rates on auto insurance takes being a safe and courteous driver, having above-average credit, eliminating unnecessary coverage, and not having any coverage lapses. Take the time to comparison shop every time your policy renews by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below is a condensed summary of the information touched on in the above illustrations.

• Drivers can save around $180 per year simply by shopping early and online
• Teenage drivers have the highest car insurance prices, with premiums as much as $486 a month if full coverage is included
• Increasing physical damage deductibles could save up to $575 each year
• Drivers with multiple at-fault accidents pay on average $1,810 more per year for auto insurance
• Consumers who purchase higher levels of liability will pay approximately $520 each year to raise limits from a low limit to higher 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.