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 insurance. Comprehensive costs approximately $256 a year, collision insurance costs $626, and liability insurance is estimated at $450. A policy with just liability insurance costs approximately $518 a year, and coverage for high-risk drivers costs around $3,316. 16-year-old drivers pay the highest rates at up to $5,808 a year.

Average premium for full coverage: $1,512

Price estimates by individual coverage:

Rates are based on $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and Civic trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on the price of auto insurance. Rural locations have a lower frequency of physical damage claims than congested cities. The diagram below illustrates how location helps determine auto insurance prices.

The ranges above illustrate why it is important to get quotes using their specific location and risk profile, rather than relying on rate averages.

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

Additional Rate Details

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

• The best full coverage rate is $857
• Choosing higher $1,000 deductibles can save $1,314 each year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,512
• Buying low $100 deductibles for comp and collision coverage will increase the cost to $1,908
• High-risk insureds with multiple tickets or accidents could pay around $3,316
• The price for full coverage for a teen driver can cost $5,808 each year

View Chart as Image

Insurance prices for a Honda Civic are also quite variable based on your driving record, the model year and trim level, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high deductibles could pay as little as $1,400 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay in the ballpark of $5,800 a year. View Rates by Age

The state you live in plays a big part in determining prices for Honda Civic insurance rates. A good driver about age 40 could pay as low as $990 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,040 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can save as much as $600 each year, while buying higher liability limits will push prices upward. Switching 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 are probably paying anywhere from $1,800 to $2,500 extra each year, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 132% more than the average rate. View High Risk Driver Rates

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 the Best Cheap Honda Civic Insurance

Getting lower rates on Honda Civic insurance takes having a decent driving record, maintaining good credit, not filing small claims, and possibly raising deductibles. Invest time comparing rates every other policy renewal by requesting rates from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The following items are a quick review of the ideas that were covered in the charts and tables above.

• 16 to 18-year-old drivers are expensive to insure, as much as $484 a month for full coverage
• High-risk drivers with a DUI or reckless driving violation may pay on average $1,800 more per year than a driver with a clean driving record
• Increasing physical damage deductibles can save around $600 each year
• It is possible to save around $190 per year just by quoting early and online

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.