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.

Estimated auto insurance rates for a Honda Civic are $1,296 annually for full coverage insurance. Comprehensive insurance costs approximately $188 a year, collision insurance costs $408, and liability is estimated at $520. Liability-only coverage costs approximately $576 a year, and high-risk coverage costs $2,828 or more. 16-year-old drivers pay the most at up to $5,174 a year.

Average premium for full coverage: $1,296

Premium estimates by type of coverage:

Prices include $500 physical damage deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and Civic trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on the price of auto insurance. Rural locations are statistically proven to have fewer physical damage claims than congested cities. The diagram below illustrates how rural and urban location affects auto insurance prices.

These rate differences illustrate why it is important to get quotes using their specific location and their own personal driving habits, instead of using rate averages.

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

More Rate Information

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

• The best full coverage rate is $756
• Choosing higher $1,000 deductibles can save $1,160 each year
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,296
• Buying low $100 deductibles for comp and collision coverage costs an additional $262 every year
• Unlucky drivers with multiple tickets or accidents could pay around $2,828
• An auto insurance policy with full coverage for a teen driver can cost $5,174 each year

View Chart as Image

Insurance prices for a Honda Civic also have a wide range based on the model of your Civic, your risk profile, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high physical damage deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay in the ballpark of $5,100 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying anywhere from $1,600 to $2,200 extra annually, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 137% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $400 every year, while buying higher liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $414 more per year. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Honda Civic insurance prices. A good driver about age 40 could pay as low as $850 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,750 on average in Florida, New York, and Michigan.

View Chart as Image

Insurance Rates by Trim Level and Model Year

Rates assume 2015 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 the Right Honda Civic Insurance

Finding better rates on car insurance takes being a safe and courteous driver, having a good credit history, paying for small claims out-of-pocket, and possibly raising deductibles. Set aside time to shop around every year by requesting rates from direct insurance companies, and also from insurance agencies where you live.

Below is a quick rundown of the coverage data raised in the charts and tables above.

• It is possible to save around $150 per year just by quoting early and online
• Increasing policy deductibles could save up to $400 each year
• Teenage drivers are expensive to insure, with premiums being up to $431 per month including comprehensive and collision insurance
• Higher risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,530 more per year for auto 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.