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 rates for a Honda Civic are $1,508 a year for full coverage insurance. Comprehensive costs approximately $248 each year, collision costs $610, and liability insurance is $470. A policy with just liability insurance costs around $536 a year, with coverage for high-risk drivers costing around $3,314. 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:

These estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and Civic models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on the price of auto insurance. Rural locations tend to have lower incidents of physical damage claims than densely populated cities.

The graphic below illustrates how rural and urban location affects auto insurance prices.

These examples illustrate why all drivers should compare rates quotes using their specific location, rather than relying on average rates.

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

Rates by State, City, and Model

The chart below illustrates 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 each year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,508
• Using low deductibles bumps up the cost to $1,894
• Higher-risk drivers who are prone to accidents and violations could pay around $3,314 or more
• The cost that insures a teen driver can cost $5,826

View Chart as Image

Insurance rates for a Honda Civic can also vary considerably based on the trim level and model year, your age and driving record, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you are probably paying anywhere from $1,800 to $2,500 additional per year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 132% more than a normal policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision 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 teens with perfect driving records should be prepared to pay in the ballpark of $5,800 a year. View Rates by Age

Where you live also has a big influence on Honda Civic insurance rates. A middle-age driver might find rates as low as $990 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,030 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $580 each year, whereas increasing liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $375 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to figure out who has the best car insurance rates is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different method to calculate rates, and 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 Find Cheap Honda Civic Insurance

Saving money on Honda Civic insurance consists of avoiding accidents and violations, having a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Compare prices every other policy renewal by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The list below is a brief summary of the ideas that were raised in the charts and tables above.

• Teenagers are the costliest to insure, costing up to $486 per month if comprehensive and collision insurance is included
• High-risk drivers that tend to have accidents or serious violations could be charged and average of $1,810 more per year for car insurance
• Increasing deductibles can save approximately $575 each year
• It is possible to save around $180 per year simply by quoting online in advance

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.