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 auto insurance rates for a Honda Civic are $1,508 annually with full coverage. Comprehensive costs on average $248 each year, collision insurance costs $610, and liability is estimated at $470. A liability-only policy costs approximately $536 a year, and high-risk insurance costs around $3,314. Teens receive the highest rates at up to $5,826 a year.

Average premium for full coverage: $1,508

Rate estimates by individual coverage type:

These estimates include $500 physical damage deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and Civic models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on auto insurance rates. Rural areas tend to have fewer collision claims than cities with more traffic congestion. The graphic below illustrates how rural and urban location affects car insurance rates.

These examples demonstrate why all drivers should get quotes based on a specific location and their own personal driving habits, instead of using averaged prices.

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

More Rate Details

The chart below details average Honda Civic insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $855
• Choosing higher $1,000 deductibles can save around $194 annually
• The estimated rate for a 40-year-old driver with $500 deductibles is $1,508
• Selecting low deductibles for comp and collision coverage will cost $1,894
• Unlucky drivers with serious driving violations could pay upwards of $3,314
• The cost with full coverage for a teen driver may cost $5,826 each year

View Chart as Image

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

More mature drivers with a clean driving record and high physical damage deductibles may pay as little as $1,400 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay upwards of $5,800 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out at a minimum $1,800 to $2,500 extra per year, depending on your age. Insurance for high-risk drivers ranges as much as 43% to 132% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $580 every year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $375 more per year. View Rates by Deductible or Liability Limit

Where you live 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 New Hampshire, Ohio, and Utah, or have to pay at least $2,030 on average in Florida, Michigan, and New York.

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 Buy Cheap Honda Civic Insurance

Saving money on car insurance takes being a safe and courteous driver, having a good credit history, eliminating unnecessary coverage, and determing if full coverage is necessary. Set aside time to shop around at every policy renewal by getting rate quotes from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.

Below is a brief summary of the data raised in the charts and tables above.

• Policyholders who require higher levels of liability will pay approximately $520 every year to raise limits from a minimum limit to higher 250/500 limits
• You may be able to save as much as $180 per year just by quoting online in advance
• Increasing deductibles could save up to $575 each year
• Teenage drivers pay the highest rates, with premiums as much as $486 per month including comprehensive and collision 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.