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. Comprehensive costs approximately $256, collision insurance costs $626, and liability coverage is estimated at $450. Buying just liability costs approximately $518 a year, and insurance for high-risk drivers costs around $3,316. Teenage drivers receive the highest rates at up to $5,808 a year.

Average premium for full coverage: $1,512

Rate estimates by individual coverage type:

These estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and for different Civic trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on car insurance rates. Rural locations tend to have fewer accident claims than densely populated cities. The price range example below illustrates how rural and urban location affects auto insurance prices.

These examples show why anyone shopping for car insurance should get quotes using their specific location and their own personal driving habits, rather than using average rates.

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

More Rate Information

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

• The best discount rate is $857
• Choosing higher $1,000 deductibles can save $198 a year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,512
• Using more expensive low deductibles for comp and collision coverage will cost $1,908
• Drivers who are prone to accidents and violations could pay around $3,316
• The cost with full coverage for a teenage driver with full coverage can cost $5,808 each year

View Chart as Image

Auto insurance rates for a Honda Civic can also vary considerably based on the trim level of your Civic, 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. Rates are much higher 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 could be paying anywhere from $1,800 to $2,500 in extra premium per year, depending on your age. High-risk driver insurance ranges around 43% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $600 a year, while increasing your policy's liability limits will push rates upward. Going 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 plays a big part in determining prices for Honda Civic insurance rates. A good driver about age 40 could pay as low as $1,000 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,160 on average in New York, Louisiana, and Michigan.

View Chart as Image

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 Cheap Honda Civic Insurance

Saving money on auto insurance takes avoiding accidents and violations, having above-average credit, eliminating unneeded coverage, and possibly higher deductibles. Set aside time to shop around at every other renewal by getting rate quotes from direct carriers like Progressive and GEICO, and also from several local insurance agents.

The list below is a brief summary of the concepts that were raised in the charts and tables above.

• Drivers that tend to have accidents or serious violations pay on average $1,800 more per year for car insurance
• Teenagers have the highest car insurance rates, costing as high as $484 per month if full coverage is included
• Drivers can save around $190 per year just by shopping early and online
• Increasing deductibles could save up to $600 each year
• Drivers can save around $190 per year just by shopping early and online

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.