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.

The average insurance prices for a Honda Civic are $1,512 every 12 months including full coverage. Comprehensive costs around $256, collision insurance costs $626, and liability insurance costs around $450. Liability-only coverage costs as low as $518 a year, and high-risk coverage costs around $3,316. 16-year-old drivers cost the most to insure at up to $5,808 a year.

Average premium for full coverage: $1,512

Policy rates for type of insurance:

Full coverage includes $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for all Civic models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than congested cities. The example below illustrates how geographic area affects auto insurance rates.

The examples above highlight why everyone should compare prices for a specific zip code and their own driving history, rather than relying on rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $857
• Using higher $1,000 deductibles will save about $198 every year
• The average price for a good driver age 40 using $500 deductibles is $1,512
• Buying pricier low deductibles for physical damage coverage increases the price to $1,908
• Drivers with multiple tickets or accidents could pay at least $3,316
• Policy cost to insure a teen driver for full coverage can be $5,808 or more

View Chart as Image

Insurance rates for a Honda Civic also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level and model year.

Opting for high physical damage deductibles could cut rates by as much as $600 each year, whereas buying more liability protection will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $358 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles could pay as little as $1,400 a year, or $117 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay as much as $5,800 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at least $1,800 to $2,500 additional every year, depending on your age. Honda Civic insurance for high-risk drivers can be anywhere from 43% to 132% more than the average rate. View High Risk Driver Rates

Your home state has a huge impact on Honda Civic insurance rates. A driver around age 40 might see rates as low as $1,160 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,160 on average in Michigan, New York, and Louisiana.

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 More Affordable Honda Civic Insurance

Finding cheaper rates on Honda Civic insurance requires being a safe and courteous driver, having above-average credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Invest the time to compare rates at every other renewal by obtaining price quotes from direct car insurance companies, and also from insurance agencies where you live.

Below is a summary of the concepts that were presented in the illustrations above.

• High-risk drivers who have multiple accidents or major violations could be forced to pay on average $1,800 more every year for auto insurance
• Teenage drivers are charged the highest rates, with premiums being up to $484 each month if full coverage is included
• You may be able to save up to $190 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save as much as $600 each year
• You may be able to save up to $190 per year just by quoting online well ahead of the renewal date

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.