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 rates for a Honda Civic are $1,508 a year with full coverage. Comprehensive insurance costs approximately $248 each year, collision costs $610, and liability is estimated at $470. Buying just liability costs approximately $536 a year, with insurance for high-risk drivers costing $3,314 or more. Teen drivers pay the highest rates at $5,826 a year or more.

Average premium for full coverage: $1,508

Price estimates by individual coverage:

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

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on the price of insurance. Rural locations have a lower frequency of collision claims than larger metro areas.

The graphic below illustrates the difference location can make on auto insurance prices.

The ranges above demonstrate why all drivers should get quotes using their specific location and risk profile, instead of using price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $855
• Choosing higher $1,000 deductibles can save $194 annually
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,508
• Choosing low deductibles for comp and collision coverage will cost an extra $386 every year
• Unlucky drivers with multiple violations and an at-fault accident could pay around $3,314 or more
• The price for full coverage for a teen driver can cost $5,826 each year

View Chart as Image

Insurance prices for a Honda Civic are also quite variable based on your driving record, the trim level and model year, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents and high deductibles may pay as little as $1,400 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay in the ballpark of $5,800 a year. View Rates by Age

The state you live in plays a big part in determining prices for Honda Civic insurance prices. A good driver about age 40 could pay as low as $1,090 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,030 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles can save as much as $580 every year, whereas increasing liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $375 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out anywhere from $1,800 to $2,500 additional each year, depending on your age. Insurance for high-risk drivers ranges as much as 43% to 132% more than average. View High Risk Driver Rates

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to do a rate comparison and see which company has the best price. Each auto insurer uses a different rate calculation, and prices may be quite different 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 Best Cheap Honda Civic Insurance

Getting lower rates on car insurance takes being a good driver, having a good credit history, avoid buying unnecessary coverage, and qualifying for all possible discounts. Make time to compare rates once a year by obtaining price quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.

The following list is a quick review of the data that was touched on in this article.

• You may be able to save around $180 per year simply by quoting online in advance
• Policyholders who purchase an increased level of liability coverage will pay about $520 every year to raise limits from a low limit to 250/500 limits
• Drivers age 16 to 20 are the costliest to insure, costing up to $486 a month including comprehensive and collision insurance
• Higher risk drivers with a DUI or reckless driving violation pay on average $1,810 more per year than a safer driver

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.