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 costs approximately $248, collision insurance costs $610, and liability costs $470. Buying just liability costs as little as $536 a year, and insurance for high-risk drivers costs around $3,314. 16-year-old 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:

These estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and for all Civic models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than congested cities. The example below illustrates how where you live affects auto insurance prices.

The examples above illustrate why everyone should compare rates using their specific location and their own driving history, instead of making a decision based on rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $855
• Drivers who choose higher $1,000 deductibles will pay $194 each year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,508
• Buying pricier low deductibles for comprehensive and collision insurance increases the price to $1,894
• Drivers with multiple tickets or accidents could pay around $3,314
• Policy cost to insure a 16-year-old driver for full coverage can cost $5,826 a year

View Chart as Image

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

Opting for high physical damage deductibles could save up to $580 annually, whereas buying more liability protection will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $375 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may pay as low as $1,400 per year on average, or $117 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect 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 extra every year, depending on your age. Honda Civic insurance for high-risk drivers can cost from 43% to 132% more than the average rate. View High Risk Driver Rates

Your home state makes a big difference in Honda Civic insurance prices. A 40-year-old driver could pay as low as $990 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,030 on average in Florida, New York, and Michigan.

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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 Cheap Honda Civic Insurance

Finding cheaper rates on insurance for a Honda Civic not only requires being a low-risk driver, but also having good credit, being claim-free, and possibly raising deductibles. Take the time to comparison shop every other policy renewal by requesting quotes from direct insurance companies, and also from local insurance agencies.

The items below are a brief summary of the ideas that were touched on in the above illustrations.

• Teen drivers are expensive to insure, possibly costing $486 each month if they have full coverage
• Drivers considered higher risk that tend to have accidents or serious violations may have to pay on average $1,810 more per year to insure their Civic
• Increasing comprehensive and collision deductibles could save as much as $575 each year
• It is possible to save around $180 per year just by quoting online well ahead of the renewal date

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.