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 auto insurance rates for a Honda Civic are $1,512 annually for full coverage insurance. Comprehensive costs approximately $256, collision costs $626, and liability is $450. Buying just liability costs around $518 a year, with insurance for high-risk drivers costing around $3,316. Teen drivers receive the highest rates at $5,808 a year or more.

Average premium for full coverage: $1,512

Rate estimates by individual coverage type:

Prices are based on $500 deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and for all Civic models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can have significant affects on the price of auto insurance. Rural locations tend to have fewer physical damage claims than larger metro areas.

The example below illustrates how location impacts auto insurance prices.

These examples illustrate why everyone should compare rates quotes using their specific location and their own personal driving habits, instead of using price averages.

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

Additional Rate Information

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

• The lowest rate with discounts is $857
• Raising to $1,000 deductibles will save $198 each year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,512
• Choosing pricier low deductibles will cost $1,908
• At-risk drivers with multiple violations and an at-fault accident could pay around $3,316 or more
• The cost with full coverage for a teen driver for full coverage can cost $5,808

View Chart as Image

Auto insurance rates for a Honda Civic can also vary considerably based on the trim level of your Civic, your risk profile, and physical damage deductibles and liability limits.

A more mature driver with a good driving record and high physical damage deductibles may pay as little as $1,400 every 12 months on average for full coverage. Rates are highest for teen 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 like to drive fast or you caused a few accidents, you are probably paying anywhere from $1,800 to $2,500 in extra premium per year, depending on your age. Honda Civic insurance for high-risk drivers is expensive and can cost as much as 43% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $600 every year, whereas buying more liability protection will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $358 extra every year. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Honda Civic insurance prices. A middle-age driver might find rates as low as $990 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $2,040 on average in Florida, New York, and Michigan.

View Chart as Image

With so much variability in rates, the only way to figure out who has the best car insurance rates is to regularly compare rates and see which company has the best rate. Every auto insurance company uses a different rate calculation, and quoted rates can be significantly 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 Affordable Honda Civic Insurance

Saving money on car insurance consists of not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and not having any coverage lapses. Spend time shopping around every couple of years by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The following is a brief review of the material that was touched on above.

• Policyholders who purchase higher liability limits will pay about $500 annually to raise from a minimum limit to higher 250/500 limits
• Teens have the highest car insurance rates, costing up to $484 per month if full coverage is included
• Higher risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,800 more per year for Civic insurance
• Increasing deductibles could save up to $600 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.