Honda Civic Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

Michelle Robbins

Licensed Insurance Agent

Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...

Licensed Insurance Agent

UPDATED: May 8, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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 insurance rates for a Honda Civic are $1,512 a year including full coverage. Comprehensive insurance costs an estimated $256 each year, collision insurance costs $626, and liability costs around $450. A policy with only liability insurance costs as low as $518 a year, and a high-risk policy costs $3,316 or more. Teens pay the most at up to $5,808 a year.

Average premium for full coverage: $1,512

Premium estimates broken down by type of coverage:

Comprehensive $256
Collision $626
Liability $450

Prices are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and Civic models.

Insurance Price Range by Risk and Coverage

For the average driver, insurance rates for a Honda Civic range from the low end price of $518 for a discount liability-only rate to a high rate of $3,316 for a driver that may need high-risk insurance.

Liability Only $518
Full Coverage $1,512
High Risk $3,316

Insurance Price Range by Location

Where you live can make a big difference on the price of auto insurance. More rural locations are statistically proven to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how location impacts insurance prices.

Rural Areas $1,134
Small Cities $1,588
Large Cities $2,041

These rate differences highlight why all drivers should compare prices for a targeted area, instead of making a decision based on averaged prices.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Rates by State, City, and Model

The chart below breaks down average Honda Civic insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $857
  • Using higher $1,000 deductibles will save approximately $198 every year
  • The estimated price for a 40-year-old good driver who has $500 deductibles is $1,512
  • Selecting low deductibles for physical damage coverage will cost an additional $396 annually
  • High-risk insureds with serious driving violations could pay up to $3,316
  • An auto insurance policy that insures a 16-year-old driver can cost as much as $5,808 or more

View Chart as Image

Honda Civic insurance cost comparison chart
Column chart showing Honda Civic insurance prices range from $857 to $5,808 for full coverage

Car insurance prices for a Honda Civic also have a wide range based on the trim level and model year, your driving record and age, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are likely paying $1,800 to $2,500 extra annually, depending on your age. Insurance for high-risk drivers can be from 43% to 132% more than the average policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,400 a year, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged at least $5,800 a year. View Rates by Age

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 $1,160 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,160 on average in Louisiana, New York, and Michigan.

Honda Civic Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,368 -$144 -9.5%
Alaska $1,160 -$352 -23.3%
Arizona $1,256 -$256 -16.9%
Arkansas $1,512 -$0 0.0%
California $1,724 $212 14.0%
Colorado $1,444 -$68 -4.5%
Connecticut $1,552 $40 2.6%
Delaware $1,712 $200 13.2%
Florida $1,890 $378 25.0%
Georgia $1,396 -$116 -7.7%
Hawaii $1,086 -$426 -28.2%
Idaho $1,026 -$486 -32.1%
Illinois $1,126 -$386 -25.5%
Indiana $1,142 -$370 -24.5%
Iowa $1,020 -$492 -32.5%
Kansas $1,436 -$76 -5.0%
Kentucky $2,062 $550 36.4%
Louisiana $2,238 $726 48.0%
Maine $934 -$578 -38.2%
Maryland $1,248 -$264 -17.5%
Massachusetts $1,208 -$304 -20.1%
Michigan $2,624 $1,112 73.5%
Minnesota $1,266 -$246 -16.3%
Mississippi $1,814 $302 20.0%
Missouri $1,342 -$170 -11.2%
Montana $1,624 $112 7.4%
Nebraska $1,192 -$320 -21.2%
Nevada $1,814 $302 20.0%
New Hampshire $1,088 -$424 -28.0%
New Jersey $1,692 $180 11.9%
New Mexico $1,338 -$174 -11.5%
New York $1,592 $80 5.3%
North Carolina $872 -$640 -42.3%
North Dakota $1,238 -$274 -18.1%
Ohio $1,044 -$468 -31.0%
Oklahoma $1,552 $40 2.6%
Oregon $1,386 -$126 -8.3%
Pennsylvania $1,440 -$72 -4.8%
Rhode Island $2,016 $504 33.3%
South Carolina $1,370 -$142 -9.4%
South Dakota $1,276 -$236 -15.6%
Tennessee $1,322 -$190 -12.6%
Texas $1,822 $310 20.5%
Utah $1,120 -$392 -25.9%
Vermont $1,036 -$476 -31.5%
Virginia $906 -$606 -40.1%
Washington $1,168 -$344 -22.8%
West Virginia $1,388 -$124 -8.2%
Wisconsin $1,048 -$464 -30.7%
Wyoming $1,348 -$164 -10.8%

View Chart as Image

Honda Civic insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $600 annually, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $358 extra every 12 months. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Honda Civic Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Honda Civic DX 4-Dr Sedan $1,282 $107
Honda Civic DX 2-Dr Coupe $1,526 $127
Honda Civic LX 4-Dr Sedan $1,354 $113
Honda Civic VP 4-Dr Sedan $1,354 $113
Honda Civic EX 4-Dr Sedan $1,396 $116
Honda Civic LX 2-Dr Coupe $1,568 $131
Honda Civic LX-S 4-Dr Sedan $1,396 $116
Honda Civic EX-L 4-Dr Sedan $1,438 $120
Honda Civic EX 2-Dr Coupe $1,624 $135
Honda Civic SI 4-Dr Sedan $1,482 $124
Honda Civic EX-L 2-Dr Coupe $1,666 $139
Honda Civic GX 4-Dr Sedan $1,494 $125
Honda Civic SI 2-Dr Coupe $1,706 $142
Honda Civic Hybrid 4-Dr Sedan $1,416 $118

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.

Honda Civic Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Honda Civic $268 $630 $440 $1,518
2023 Honda Civic $256 $626 $450 $1,512
2022 Honda Civic $248 $610 $470 $1,508
2021 Honda Civic $240 $586 $486 $1,492
2020 Honda Civic $226 $564 $500 $1,470
2019 Honda Civic $218 $524 $510 $1,432
2018 Honda Civic $208 $494 $514 $1,396
2017 Honda Civic $200 $442 $520 $1,342
2016 Honda Civic $188 $408 $520 $1,296
2015 Honda Civic $180 $382 $524 $1,266
2014 Honda Civic $176 $356 $534 $1,246
2013 Honda Civic $164 $330 $534 $1,208
2012 Honda Civic $158 $300 $540 $1,178
2011 Honda Civic $148 $274 $534 $1,136
2010 Honda Civic $140 $250 $534 $1,104
2009 Honda Civic $134 $224 $530 $1,068
2008 Honda Civic $132 $218 $520 $1,050
2007 Honda Civic $130 $208 $510 $1,028
2006 Honda Civic $120 $198 $504 $1,002
2005 Honda Civic $116 $188 $500 $984

Rates are averaged for all Honda Civic models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find Affordable Honda Civic Insurance

Finding better rates on insurance for a Honda Civic requires having a decent driving record, having a positive credit history, refrain from filing small claims, and possibly higher deductibles. Compare rates once a year by requesting quotes from direct car insurance companies, and also from your local car insurance providers.

The following items are a brief review of the data that was touched on above.

  • You may be able to save approximately $190 per year just by quoting online in advance
  • Insureds who want additional liability coverage will pay approximately $500 per year to increase from 30/60 bodily injury limits to the 250/500 level
  • 16 to 18-year-old drivers have the highest car insurance prices, with the cost nearing $484 per month if full coverage is purchased
  • Drivers considered higher risk with DUI or reckless driving convictions could be charged and average of $1,800 more annually than a driver with a clean driving record

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.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

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:

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.

Rates by Driver Age

Honda Civic Insurance Rates by Driver Age
Driver Age Premium
16 $5,808
20 $3,572
30 $1,574
40 $1,512
50 $1,386
60 $1,362

Full coverage, $500 deductibles

Rates by Deductible

Honda Civic Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,908
$250 $1,722
$500 $1,512
$1,000 $1,314

Full coverage, driver age 40

Rates by Liability Limit

Honda Civic Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,512
50/100 $1,496
100/300 $1,595
250/500 $1,854
100 CSL $1,535
300 CSL $1,754
500 CSL $1,914

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Civic Insurance Rates for High Risk Drivers
Age Premium
16 $8,288
20 $5,692
30 $3,388
40 $3,316
50 $3,172
60 $3,146

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $220

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $80
Multi-vehicle $82
Homeowner $22
5-yr Accident Free $116
5-yr Claim Free $99
Paid in Full/EFT $71
Advance Quote $78
Online Quote $107
Total Discounts $655
Rate after discounts $857

Discounts are estimated and may not be available from every company or in every state.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles