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.

U.S. average insurance prices for a Honda Civic are $1,508 every 12 months including full coverage. Comprehensive costs approximately $248 a year, collision insurance costs $610, and liability insurance costs around $470. Liability-only insurance costs as low as $536 a year, and high-risk driver insurance costs around $3,314. 16-year-old drivers pay the highest rates at up to $5,826 a year.

Average premium for full coverage: $1,508

Price estimates by individual coverage:

Rates are based on $500 policy deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and Civic trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on car insurance prices. Rural locations have more infrequent comprehensive and collision claims than congested cities. The diagram below illustrates the effect of geographic area on auto insurance prices.

The ranges above highlight why it is important to 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.

Additional Rate Information

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

• The best full coverage rate is $855
• Using higher $1,000 deductibles will save $1,314 every year
• The average price for the average middle-age driver who chooses $500 deductibles is $1,508
• Buying low $100 deductibles for physical damage coverage increases the price to $1,894
• Drivers with multiple tickets or accidents could pay around $3,314
• The price to insure a teen driver can cost $5,826 or more

View Chart as Image

Car insurance prices for a Honda Civic are also quite variable based on deductibles and policy limits, your driving characteristics, and the model of your Civic.

Opting for high physical damage deductibles could cut prices by as much as $580 each year, while buying higher liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $375 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles could pay as little as $1,400 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged in the ballpark of $5,800 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying anywhere from $1,800 to $2,500 extra each year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 132% more than the average rate. View High Risk Driver Rates

The state you live in has a huge impact on Honda Civic insurance rates. A driver around age 40 might see prices as low as $1,160 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,150 on average in Louisiana, 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 the Best Cheap Honda Civic Insurance

Getting lower rates on Honda Civic insurance requires being a good driver, maintaining a good credit score, being claim-free, and attention to physical damage deductibles. Take the time to compare rates at every policy renewal by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The following list is a quick review of the data covered in the above illustrations.

• Drivers who purchase an increased level of liability coverage will pay around $520 per year to increase from a low limit to a 250/500 level
• You may be able to save around $180 per year just by quoting early and online
• Increasing physical damage deductibles could save as much as $575 each year
• Drivers age 16 to 20 pay the highest auto insurance prices, possibly costing $486 a month if the policy includes full coverage

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.