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 prices for a Honda Civic are $1,508 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $248, collision insurance costs $610, and liability is $470. Liability-only insurance costs around $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:

Rates are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and for different Civic trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than larger metro areas. The price range example below illustrates how rural and urban location affects auto insurance prices.

The examples above illustrate why anyone shopping for car insurance should compare rates quotes using their specific location and their own driving history, instead of making a decision based on price averages.

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

More Rate Information

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

• The lowest rate with discounts is $855
• Raising to $1,000 deductibles will save $194 each year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,508
• Choosing more expensive low deductibles costs an extra $386 annually
• Drivers with multiple violations and an at-fault accident could pay around $3,314
• Policy cost to insure a 16-year-old driver with full coverage can cost $5,826

View Chart as Image

Auto insurance rates for a Honda Civic also range considerably based on liability limits and deductibles, your risk profile, and the model of your Civic.

Choosing high deductibles can reduce rates by up to $580 annually, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $375 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may pay as low as $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay in the ballpark of $5,800 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying anywhere from $1,800 to $2,500 in extra premium every year, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 132% more than average. View High Risk Driver Rates

Your home state also has a big influence on Honda Civic insurance prices. A middle-age driver might find rates as low as $990 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $2,030 on average in Florida, New York, and Michigan.

View Chart as Image

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 Shop for the Best Cheap Honda Civic Insurance

Finding cheaper rates on insurance for a Honda Civic consists of having a decent driving record, having a good credit score, being claim-free, and possibly higher deductibles. Set aside time to shop around at every policy renewal by getting rate quotes from direct insurance companies, and also from local insurance agencies.

The following items are a quick review of the data raised in the charts and tables above.

• Insureds who purchase additional liability coverage will pay about $520 annually to raise from a 30/60 limit to a 250/500 level
• It is possible to save around $180 per year just by shopping early and online
• Increasing comprehensive and collision deductibles could save as much as $575 each year
• 16 to 18-year-old drivers have the highest car insurance rates, possibly costing $486 each month if comprehensive and collision insurance is included

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.