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 insurance rates for a Honda Civic are $1,512 a year for full coverage insurance. Comprehensive costs approximately $256, collision costs $626, and liability coverage costs $450. A policy with just liability insurance costs as little as $518 a year, with coverage for high-risk drivers costing around $3,316. Teen drivers receive the highest rates at $5,808 a year or more.

Average premium for full coverage: $1,512

Rate estimates by individual coverage type:

Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and for all Civic models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on the price of auto insurance. Rural locations tend to have lower incidents of physical damage claims than larger metro areas.

The example below illustrates how geographic area affects auto insurance prices.

These examples illustrate why everyone should compare rates using their specific location, rather than using price averages.

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

More Rate Details

The chart below illustrates estimated Honda Civic insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $857
• Drivers who choose higher $1,000 deductibles will pay $198 each year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,512
• Choosing pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,908
• High-risk insureds with multiple violations and an at-fault accident could pay around $3,316 or more
• The cost that insures a teenage driver for full coverage can cost $5,808 a year

View Chart as Image

Insurance rates for a Honda Civic can also vary considerably based on the model of your Civic, your age and driving record, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you are probably paying anywhere from $1,800 to $2,500 additional per year, depending on your age. Honda Civic insurance for high-risk drivers can cost around 43% to 132% more than average. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,400 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,800 a year. View Rates by Age

Where you live makes a big difference in Honda Civic insurance rates. A 40-year-old driver could pay as low as $990 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $2,040 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $600 a year, whereas buying more liability protection will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $358 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to figure out who has the best car insurance rates is to regularly compare rates and see how they stack up. Every company uses a different rate calculation, and rates can be significantly different.

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 Find Low Cost Honda Civic Insurance

Saving money on auto insurance not only requires being a good driver, but also having a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Shop around every other policy renewal by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The following list is a review of the ideas that were presented in the illustrations above.

• Drivers age 16 to 20 are the costliest to insure, costing up to $484 per month if comprehensive and collision insurance is included
• Drivers who have several accidents or serious violations could be charged and average of $1,800 more per year than a safer driver
• Increasing deductibles can save approximately $600 each year
• It is possible to save around $190 per year simply 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.