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.

Estimated auto insurance rates for a Honda Civic are $1,508 annually with full coverage. Comprehensive costs around $248, collision insurance costs $610, and liability costs around $470. Liability-only insurance costs as low as $536 a year, and high-risk driver insurance costs around $3,314. 16-year-old drivers pay the most at up to $5,826 a year.

Average premium for full coverage: $1,508

Premium estimates for type of coverage:

Includes $500 policy deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all U.S. states and for different Civic trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on insurance rates. Areas with sparse population are statistically proven to have fewer collision claims than congested cities. The price range example below illustrates the effect of geographic area on auto insurance rates.

These rate differences demonstrate why anyone shopping for car insurance should compare prices for a specific zip code and their own personal driving habits, instead of using rate averages.

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

Additional Rate Details

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

• The best full coverage rate is $855
• Using higher $1,000 deductibles will save about $194 annually
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,508
• Buying more expensive low deductibles for physical damage coverage will cost $1,894
• Drivers with multiple tickets or accidents could pay at least $3,314
• An auto insurance policy with full coverage for a teen driver with full coverage can be $5,826 or more

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Insurance prices for a Honda Civic also have a wide range based on the model of your Civic, your driving record, and deductibles and policy limits.

An older driver with no violations or accidents and high physical damage deductibles may pay as little as $1,400 a year, or $117 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay as much as $5,800 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out at least $1,800 to $2,500 additional annually, depending on your age. High-risk driver insurance can be as much as 43% to 132% more than the average rate. View High Risk Driver Rates

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

Where you choose to live has a huge impact on Honda Civic insurance prices. A driver around age 40 might see prices 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.

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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 the Cheapest Honda Civic Insurance

Finding better rates on car insurance requires being a good driver, having good credit, being claim-free, and deciding if full coverage is necessary. Take the time to compare rates at least every other year by getting quotes from direct companies, and also from local exclusive and independent agents.

The following list is a recap of the car insurance concepts covered in the above illustrations.

• Higher risk drivers that have major violations or accidents may pay on average $1,810 more every year than a safer driver
• You may be able to save up to $180 per year just by shopping early and online
• Increasing policy deductibles could save up to $575 each year
• Policyholders who may need an increased level of liability coverage will pay around $520 every year to increase from 30/60 bodily injury limits 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.