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.

Average insurance rates for a Honda Civic are $1,508 a year with full coverage. Comprehensive costs around $248, collision costs $610, and liability insurance costs $470. A policy with just liability insurance costs as little as $536 a year, with coverage for high-risk drivers costing around $3,314. 16-year-old drivers receive the highest rates at $5,826 a year or more.

Average premium for full coverage: $1,508

Rate estimates for individual coverage type:

These estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and for different Civic trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on insurance rates. Areas with sparse population tend to have lower incidents of collision claims than congested cities.

The price range example below illustrates how location impacts auto insurance rates.

These examples demonstrate why anyone shopping for car insurance should compare rates for a specific zip code, rather than relying on rate averages.

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

Rate Comparisons

The chart below details estimated Honda Civic insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $855
• Drivers who choose higher $1,000 deductibles will pay about $194 annually
• The estimated price for a 40-year-old driver using $500 deductibles is $1,508
• Buying more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,894
• High risk drivers with multiple tickets or accidents could pay at least $3,314 or more
• The cost that insures a teen driver with full coverage can be $5,826 a year

View Chart as Image

Insurance rates for a Honda Civic can also vary considerably based on the model year and trim level, your age and driving habits, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you may be forking out at least $1,800 to $2,500 additional per year, depending on your age. High-risk driver insurance can cost anywhere from 43% to 132% more than the average rate. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,400 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay as much as $5,800 a year. View Rates by Age

Where you live makes a big difference in Honda Civic insurance rates. A 40-year-old driver could pay as low as $1,090 a year in states like New Hampshire, Ohio, and Utah, or at least $2,030 on average in Florida, Michigan, and New York.

View Chart as Image

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

With so much variability in rates, the best way to find out your exact price is to compare rates from as many companies as possible. Every company utilizes a different rate formula, and rates can be significantly different.

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 Cheap Honda Civic Insurance

Saving money on Honda Civic insurance not only requires having a decent driving record, but also having a good credit score, eliminating unnecessary coverage, and taking advantage of discounts. Comparison shop at every policy renewal by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following items are a brief summary of the data touched on above.

• Drivers who may need additional liability coverage will pay around $520 every year to go from a minimum limit to the 250/500 level
• You may be able to save up to $180 per year simply by shopping early and online
• Increasing deductibles can save approximately $575 each year
• 16 to 18-year-old drivers are charged the highest rates, with premiums as much as $486 per month if comprehensive and collision insurance 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.