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 rates for a Honda Civic are $1,512 a year for full coverage. Comprehensive insurance costs on average $256 each year, collision costs $626, and liability 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. Teens pay the highest rates at $5,808 a year or more.

Average premium for full coverage: $1,512

Price estimates by individual coverage:

Estimates include $500 physical damage deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and Civic models.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on car insurance rates. Rural areas have a lower frequency of accident claims than cities with more traffic congestion.

The graphic below illustrates how rural and urban location affects car insurance rates.

The ranges above show why all drivers should compare rates based on a specific location and risk profile, instead of making a decision based on averaged prices.

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

Additional Rate Details

The chart below shows estimated Honda Civic insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $857
• Drivers who choose higher $1,000 deductibles will pay around $198 a year
• The average rate for the average middle-age driver with $500 deductibles is $1,512
• Selecting low deductibles for comprehensive and collision insurance will cost an extra $396 annually
• Drivers with serious driving violations could pay upwards of $3,316 or more
• The price for full coverage for a 16-year-old driver may cost $5,808 a year

View Chart as Image

Insurance prices for a Honda Civic are also quite variable based on your driving record, the trim level of your Civic, and policy deductibles and limits.

More mature drivers with a clean driving record and high deductibles may pay as low as $1,400 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay upwards of $5,800 a year. View Rates by Age

The state you live in makes a big difference in Honda Civic insurance prices. A 40-year-old driver could pay as low as $1,000 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,160 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $600 annually, whereas increasing liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $358 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at a minimum $1,800 to $2,500 extra each year, depending on your age. Insurance for high-risk drivers can cost from 43% to 132% more than the average policy. View High Risk Driver Rates

Since prices can be so different, the only way to know exactly what you will pay is to do a rate comparison from multiple companies. Every company calculates prices differently, so the prices may be quite different from one company to the next.

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

Getting lower rates on insurance for a Honda Civic not only requires being a safe and courteous driver, but also maintaining good credit, eliminating unnecessary coverage, and bundling your home and auto policies. Set aside time to shop around every couple of years by getting rate quotes from direct carriers like Progressive and GEICO, and also from your local insurance agents.

Below is a review of the material that was raised in the charts and tables above.

• Insureds who require higher levels of liability will pay approximately $500 each year to go from a low limit to 250/500 limits
• Teenage drivers pay the highest prices, with premiums as much as $484 a month for full coverage
• Drivers considered higher risk who have several accidents or serious violations will pay on average $1,800 more each year for auto insurance
• Increasing physical damage deductibles can save around $600 each year

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.