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 $1,512 a year with full coverage. Comprehensive insurance costs around $256, collision costs $626, and liability coverage costs $450. Liability-only insurance costs as little as $518 a year, with high-risk driver insurance costing $3,316 or more. Teens cost the most to insure at $5,808 a year or more.

Average premium for full coverage: $1,512

Policy rates for type of insurance:

These estimates include $500 policy deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and for different Civic trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than cities with more traffic congestion.

The price range example below illustrates the difference location can make on auto insurance rates.

The examples above demonstrate why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, rather than using averaged prices.

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

Additional Charts and Tables

The chart below details estimated Honda Civic insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $857
• Drivers who choose higher $1,000 deductibles will pay about $198 annually
• The average rate for a good driver age 40 using $500 deductibles is $1,512
• Selecting more expensive low deductibles for comprehensive and collision insurance will cost an extra $396 each year
• High-risk insureds with serious driving violations could pay at least $3,316 or more
• Policy cost for full coverage for a teenage driver with full coverage can be $5,808 a 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 deductibles and policy limits.

An older driver with a good driving record and high deductibles may only pay around $1,400 per year on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay as much as $5,800 a year. View Rates by Age

Your home state 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 New Hampshire, Ohio, and Utah, or have to pay at least $2,040 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $600 a year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $358 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 least $1,800 to $2,500 in extra premium every year, depending on your age. High-risk driver insurance can cost around 43% to 132% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out your exact price is to compare rates and see how they stack up. Every company calculates rates differently, and quoted rates will be varied 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 Cheap Honda Civic Insurance

Finding cheaper rates on auto insurance not only requires avoiding accidents and claims, but also having good credit, not filing small claims, and maximizing policy discounts. Make time to compare rates every couple of years by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The points below are a brief summary of the material that was touched on in this article.

• Consumers who may need increased liability limits will pay approximately $500 every year to go from a 30/60 limit to 250/500 limits
• Drivers under the age of 20 are expensive to insure, as much as $484 each month if they have full coverage
• Drivers that tend to have accidents or serious violations pay an average of $1,800 more every year to insure a Honda Civic
• Increasing comprehensive and collision 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.