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 rates for a Honda Civic are $1,508 a year with full coverage. Comprehensive insurance costs on average $248 each year, collision insurance costs $610, and liability coverage is estimated at $470. Liability-only insurance costs approximately $536 a year, and high-risk driver insurance costs $3,314 or more. Teen drivers cost the most to insure at up to $5,826 a year.

Average premium for full coverage: $1,508

Policy rates by type of insurance:

Prices are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and Civic models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on auto insurance rates. Rural areas are shown to have a lower frequency of collision claims than larger metro areas. The graphic below illustrates how rural and urban location affects car insurance rates.

The examples above demonstrate why all drivers should get quotes based on a specific location and risk profile, rather than using price averages.

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

Detailed Rate Analysis

The chart below details average Honda Civic insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $855
• Choosing higher $1,000 deductibles can save around $194 annually
• The average rate for a good driver age 40 with $500 deductibles is $1,508
• Choosing low deductibles for comp and collision coverage will cost an extra $386 each year
• Drivers with multiple violations and an at-fault accident could pay upwards of $3,314
• Policy cost for full coverage for a teenage driver may cost $5,826 each year

View Chart as Image

Auto insurance rates for a Honda Civic also range considerably based on your risk profile, the trim level and model year, and policy deductibles and limits.

More mature drivers with a good driving record and high deductibles may only pay around $1,400 annually on average, or $117 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay upwards of $5,800 a year. View Rates by Age

Your home state plays a big part in determining prices for Honda Civic insurance rates. A good driver about age 40 could pay as low as $1,090 a year in states like New Hampshire, Ohio, and Utah, or as much as $2,030 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing high deductibles can save as much as $580 a year, whereas increasing liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $375 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at a minimum $1,800 to $2,500 in extra premium every year, depending on your age. Insurance for high-risk drivers ranges around 43% to 132% more than average. 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 Affordable Honda Civic Insurance

Finding cheaper rates on auto insurance takes having a decent driving record, having good credit, not filing small claims, and deciding if full coverage is necessary. Set aside time to shop around at least once a year by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local insurance agents.

The following items are a brief review of the primary concepts that were raised in the charts and tables above.

• You may be able to save as much as $180 per year just by quoting online in advance
• Drivers with DUI or reckless driving convictions may be required to pay an average of $1,810 more each year than a driver with a clean driving record
• Increasing comprehensive and collision deductibles can save around $575 each year
• 16 to 18-year-old drivers are charged the highest rates, as much as $486 each month if they have full coverage

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.