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 $1,508 a year with full coverage. Comprehensive costs an estimated $248 each year, collision costs $610, and liability costs around $470. Buying just liability costs as low as $536 a year, with insurance for high-risk drivers costing around $3,314. 16-year-old drivers cost the most to insure at $5,826 a year or more.

Average premium for full coverage: $1,508

Policy rates broken down by type of insurance:

Includes $500 physical damage deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and Civic models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than congested cities.

The graphic below illustrates the effect of geographic area on insurance prices.

The examples above demonstrate why all drivers should compare prices for a targeted area and risk profile, instead of making a decision based on rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $855
• Using higher $1,000 deductibles will save approximately $194 annually
• The average rate for a good driver age 40 who has $500 deductibles is $1,508
• Buying low deductibles for physical damage coverage will increase the cost to $1,894
• High-risk insureds with multiple tickets or accidents could pay up to $3,314 or more
• Policy cost for full coverage for a 16-year-old driver can cost as much as $5,826 or more

View Chart as Image

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

More mature drivers with a clean driving record and high deductibles may pay as low as $1,400 a year, or $117 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay at least $5,800 a year. View Rates by Age

Your home state has a huge impact on Honda Civic insurance prices. A driver around age 40 might see rates as low as $1,090 a year in states like Utah, Ohio, and New Hampshire, or at least $2,030 on average in New York, Michigan, and Florida.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $580 annually, whereas increasing liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $375 more per 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 $1,800 to $2,500 extra every year, depending on your age. Insurance for high-risk drivers can be from 43% to 132% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to do a rate comparison from multiple companies. Each insurance company utilizes a different rate formula, so the 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 the Cheapest Honda Civic Insurance

Finding cheaper rates on insurance for a Honda Civic requires being a safe and courteous driver, maintaining good credit, not filing small claims, and taking advantage of discounts. Take the time to compare rates every year by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below is a recap of the coverage data covered in the above illustrations.

• You may be able to save approximately $180 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $575 each year
• Teenage drivers are charged the highest rates, as much as $486 each month for full coverage
• Drivers considered higher risk that have major violations or accidents may pay on average $1,810 more annually for auto insurance

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.