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 auto insurance rates for a Honda Civic are $1,512 annually for full coverage. Comprehensive costs an estimated $256 a year, collision costs $626, and liability costs around $450. Buying just liability costs as low as $518 a year, with insurance for high-risk drivers costing around $3,316. Teenage 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:

Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and Civic trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on insurance rates. More rural locations tend to have fewer accident claims than densely populated cities.

The diagram below illustrates how your location can change insurance prices.

These examples show why it is important to compare prices for a targeted area and their own personal driving habits, instead of using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $857
• Using higher $1,000 deductibles will save approximately $1,314 a year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,512
• Using low $100 deductibles for physical damage coverage will cost $1,908
• Drivers who are prone to accidents and violations could pay up to $3,316 or more
• The cost with full coverage for a teen driver can cost as much as $5,808 or more

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Auto insurance rates for a Honda Civic can also vary considerably based on the trim level of your Civic, your driver profile, and liability limits and deductibles.

Older drivers with a good driving record and high physical damage deductibles may pay as little as $1,400 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay at least $5,800 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying $1,800 to $2,500 in extra premium per year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $600 every year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $358 extra every year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Honda Civic insurance prices. A driver around age 40 might see rates as low as $1,000 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,160 on average in New York, Louisiana, and Michigan.

View Chart as Image

With so much variability in rates, the only way to know which company is cheapest is to get quotes and see which company has the best rate. Each insurance company uses a different method to calculate rates, and quoted rates can be significantly different between companies.

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 Buy Affordable Honda Civic Insurance

Saving money on car insurance requires being a good driver, having above-average credit, eliminating unneeded coverage, and qualifying for all possible discounts. Invest the time to shop around every year by getting quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

The following list is a brief review of the coverage data illustrated above.

• Drivers can save approximately $190 per year simply by quoting early and online
• Increasing deductibles could save up to $600 each year
• Drivers age 16 to 20 are the costliest to insure, costing as high as $484 per month if full coverage is included
• Higher risk drivers with DUI or reckless driving convictions may pay on average $1,800 more annually than a safer driver

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.