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 prices for a Honda Civic are $1,512 every 12 months with full coverage. Comprehensive insurance costs an estimated $256 a year, collision costs $626, and liability insurance costs $450. A policy with just liability insurance costs as little as $518 a year, with coverage for high-risk drivers costing $3,316 or more. 16-year-old drivers receive the highest rates at $5,808 a year or more.

Average premium for full coverage: $1,512

Rate estimates broken down by individual coverage type:

Includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and Civic trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on car insurance rates. More rural locations tend to have more infrequent collision claims than congested cities.

The diagram below illustrates how location impacts insurance prices.

These examples demonstrate why it is important to compare rates for a targeted area and their own driving history, rather than relying on rate averages.

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

Additional Rate Information

The chart below details estimated Honda Civic insurance rates for other coverage scenarios.

• The best full coverage rate is $857
• Drivers who choose higher $1,000 deductibles will pay approximately $1,314 annually
• The average price for a 40-year-old driver who has $500 deductibles is $1,512
• Buying low $100 deductibles for comprehensive and collision insurance costs an extra $396 a year
• High risk drivers with multiple tickets or accidents could pay up to $3,316 or more
• The cost to insure a teen driver can cost as much as $5,808 a year

View Chart as Image

Insurance rates for a Honda Civic can also vary considerably based on policy deductibles and limits, your driving record, and the model year and trim level.

Opting for high physical damage deductibles could save up to $600 each year, while buying higher liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $358 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles could pay as little as $1,400 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay at least $5,800 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out $1,800 to $2,500 additional per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 132% more than the average rate. View High Risk Driver Rates

Where you live makes a big difference in Honda Civic insurance rates. A 40-year-old driver could pay as low as $1,090 a year in states like Utah, Ohio, and New Hampshire, or at least $2,040 on average in New York, Michigan, and Florida.

View Chart as Image

With so much variability in rates, the best way to find out which company is cheapest is to get quotes from as many companies as possible. Every company utilizes a different rate formula, 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 Shop for the Cheapest Honda Civic Insurance

Saving money on Honda Civic insurance not only requires avoiding accidents and violations, but also having above-average credit, eliminating unnecessary coverage, and maximizing policy discounts. Spend time shopping around at least every other year by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The list below is a recap of the car insurance concepts touched on above.

• High-risk drivers that have major violations or accidents may pay on average $1,800 more annually for car insurance
• You may be able to save approximately $190 per year simply by quoting early and online
• Increasing deductibles could save as much as $600 each year
• Drivers who want higher liability limits will pay around $500 every year to go from a minimum limit to a 250/500 level

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.