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.

U.S. average insurance prices for a Honda Civic are $1,512 every 12 months including full coverage. Comprehensive costs an estimated $256 each year, collision insurance costs $626, and liability insurance is $450. Liability-only insurance costs around $518 a year, and high-risk driver insurance costs around $3,316. Teens pay the highest rates at up to $5,808 a year.

Average premium for full coverage: $1,512

Price estimates broken down by individual coverage:

These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Civic models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on the price of auto insurance. More rural locations have more infrequent comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how location helps determine insurance prices.

The ranges above highlight why all drivers should compare rates quotes for a targeted area and their own driving history, rather than relying on averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $857
• Raising to $1,000 deductibles will save approximately $198 every year
• The average price for the average middle-age driver who has $500 deductibles is $1,512
• Selecting low deductibles increases the price to $1,908
• Higher-risk drivers with serious driving violations could pay up to $3,316
• The price to insure a teen driver can cost as much as $5,808

View Chart as Image

Car insurance prices for a Honda Civic are also quite variable based on deductibles and policy limits, your driving characteristics, and the model year and trim level.

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

More mature drivers with no driving violations and higher deductibles could pay as little as $1,400 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged at least $5,800 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying $1,800 to $2,500 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 132% more than the average policy. View High Risk Driver Rates

The state you live in also has a big influence on Honda Civic insurance rates. A middle-age driver might find 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.

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 Shop for Cheap Honda Civic Insurance

Getting lower rates on Honda Civic insurance consists of being safe and accident-free, maintaining a good credit score, being claim-free, and possibly higher deductibles. Invest time comparing rates at every other renewal by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

Below you'll find a brief summary of the concepts that were covered in the charts and tables above.

• High-risk drivers that tend to have accidents or serious violations may have to pay on average $1,800 more annually than a low-risk driver
• Youthful drivers have the highest car insurance prices, possibly costing $484 a month if the policy includes full coverage
• You may be able to save approximately $190 per year just by quoting online in advance
• Increasing physical damage deductibles could save as much as $600 each year
• You may be able to save approximately $190 per year just by quoting online in advance

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.