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.

The average insurance prices for a Honda Civic are $1,508 every 12 months including full coverage. Comprehensive costs on average $248, collision costs $610, and liability coverage costs $470. Liability-only coverage costs as little as $536 a year, with high-risk coverage costing around $3,314. Teenage drivers cost the most to insure at $5,826 a year or more.

Average premium for full coverage: $1,508

Policy rates by type of insurance:

Prices are based on $500 physical damage insurance deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different Civic trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Rural areas are shown to have more infrequent comprehensive and collision claims than densely populated cities.

The price range example below illustrates how rural and urban location affects car insurance rates.

The examples above highlight why anyone shopping for car insurance should compare rates based on a specific location and their own driving history, rather than using average rates.

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

Additional Rate Analysis

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 $194 every year
• The average price for a good driver age 40 with $500 deductibles is $1,508
• Using more expensive low deductibles for comprehensive and collision insurance increases the price to $1,894
• High-risk insureds who are prone to accidents and violations could pay upwards of $3,314 or more
• Policy cost to insure a teenage driver with full coverage may cost $5,826 a year

View Chart as Image

Insurance rates for a Honda Civic also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level of your Civic.

Using high physical damage deductibles could save up to $580 a year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by 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. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay upwards of $5,800 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at a minimum $1,800 to $2,500 additional every year, depending on your age. High-risk driver insurance can cost around 43% to 132% more than a normal policy. View High Risk Driver Rates

Your home state 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

Because rates have so much variability, the best way to figure out exactly what you will pay is to compare rates and see how they stack up. Every company uses a different method to calculate rates, and rates will be varied.

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 Affordable Honda Civic Insurance

Finding cheaper rates on auto insurance not only requires being a low-risk driver, but also having above-average credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Set aside time to shop around every couple of years by requesting rates from direct car insurance companies, and also from your local independent and exclusive agents.

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

• Consumers who require more liability coverage will pay an extra $520 per year to go from a 30/60 limit to a 250/500 level
• Teen drivers pay higher rates, with premiums being up to $486 each month if full coverage is included
• Drivers with DUI or reckless driving convictions may pay on average $1,810 more each year to insure their Civic
• Increasing comprehensive and collision deductibles could save as much as $575 each year

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.