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 $1,512 every 12 months with full coverage. Comprehensive costs approximately $256, collision insurance costs $626, and liability insurance costs around $450. A policy with just liability insurance costs as low as $518 a year, and coverage for high-risk drivers costs around $3,316. 16-year-old drivers receive the highest rates at up to $5,808 a year.

Average premium for full coverage: $1,512

Rate estimates by individual coverage type:

Prices are based on $500 deductible amounts, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and for different Civic trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on the price of insurance. Rural locations tend to have more infrequent collision claims than congested cities. The price range example below illustrates how rural and urban location affects auto insurance prices.

These examples demonstrate why anyone shopping for car insurance should compare prices using their specific location and their own driving history, rather than relying on rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $857
• Using higher $1,000 deductibles will save $198 annually
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,512
• Buying more expensive low deductibles for physical damage coverage increases the price to $1,908
• Drivers with multiple tickets or accidents could pay around $3,316
• The cost to insure a teen driver with full coverage can cost $5,808 or more

View Chart as Image

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

Opting for high physical damage deductibles could cut rates by as much as $600 each year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $358 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles could pay as little as $1,400 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared 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 may be forking out anywhere from $1,800 to $2,500 additional per year, depending on your age. High-risk driver insurance can be anywhere from 43% to 132% more than the average rate. View High Risk Driver Rates

Where you live has a huge impact on Honda Civic insurance rates. 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 $2,040 on average in New York, Michigan, and Florida.

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 Affordable Honda Civic Insurance

Saving money on Honda Civic insurance requires having a good driving record, having above-average credit, eliminating unnecessary coverage, and consideration of higher deductibles. Set aside time to shop around at least every other year by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The next list is a brief review of the car insurance concepts raised in the charts and tables above.

• High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,800 more per year to buy Honda Civic insurance
• You may be able to save around $190 per year just by shopping early and online
• Increasing deductibles could save as much as $600 each year
• Drivers who purchase increased levels of liability coverage will pay around $500 every year to increase from a minimum limit to a 250/500 level

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.