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 insurance prices for a Honda Civic are $1,508 every 12 months including full coverage. Comprehensive insurance costs approximately $248, collision costs $610, and liability insurance is $470. Buying just liability costs around $536 a year, with insurance for high-risk drivers costing $3,314 or more. Teenage drivers receive the highest rates at $5,826 a year or more.

Average premium for full coverage: $1,508

Rate estimates by individual coverage type:

Prices include $500 policy deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and for different Civic trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on car insurance prices. Rural locations tend to have more infrequent comprehensive and collision claims than densely populated cities.

The price range example below illustrates the effect of geographic area on auto insurance prices.

These examples highlight why anyone shopping for car insurance should compare rates quotes using their specific location and their own driving history, rather than relying on average rates.

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

More Rate Information

The chart below breaks down estimated Honda Civic insurance rates for additional coverage and risk scenarios.

• The best discount rate is $855
• Raising to $1,000 deductibles will save $194 every year
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,508
• Using more expensive low deductibles costs an extra $386 a year
• Higher-risk drivers who are prone to accidents and violations could pay around $3,314 or more
• The cost to insure a teen driver with full coverage can cost $5,826

View Chart as Image

Auto insurance rates for a Honda Civic can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model of your Civic.

Using high physical damage deductibles can reduce rates by up to $580 each year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $375 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles could pay as little as $1,400 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay in the ballpark of $5,800 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying anywhere from $1,800 to $2,500 in extra premium per year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 132% more than a normal policy. View High Risk Driver Rates

Where you live also has a big influence on Honda Civic insurance rates. A middle-age driver might find rates as low as $1,160 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,150 on average in Louisiana, New York, and Michigan.

View Chart as Image

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to compare rates from as many companies as possible. Every auto insurance company uses a different method to calculate rates, and quoted rates can be significantly different.

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 Right Honda Civic Insurance

Saving money on Honda Civic insurance consists of being safe and accident-free, having a good credit score, not filing small claims, and not having any coverage lapses. Take the time to compare rates every year by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local car insurance providers.

Below you'll find a quick rundown of the coverage data covered in the above illustrations.

• You may be able to save around $180 per year simply by shopping early and online
• Increasing deductibles could save as much as $575 each year
• Youthful drivers have the highest car insurance rates, as much as $486 per month if comprehensive and collision insurance is included
• High-risk drivers with reckless driving or DUI convictions could be charged and average of $1,810 more per year than a low-risk 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.