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.

The average insurance prices for a Honda Civic are $1,512 every 12 months including full coverage. Comprehensive insurance costs on average $256 a year, collision costs $626, and liability is estimated at $450. Buying just liability costs approximately $518 a year, with insurance for high-risk drivers costing $3,316 or more. 16-year-old drivers cost the most to insure at $5,808 a year or more.

Average premium for full coverage: $1,512

Policy rates by type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance rates. Rural areas are shown to have more infrequent comprehensive and collision claims than congested cities.

The diagram below illustrates how location helps determine car insurance rates.

The examples above highlight why it is important to get quotes based on a specific location and their own driving history, instead of using rate averages.

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

Additional Rate Analysis

The chart below breaks down estimated Honda Civic insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $857
• Choosing higher $1,000 deductibles can save around $1,314 every year
• The average price for a good driver age 40 with $500 deductibles is $1,512
• Buying low $100 deductibles for comp and collision coverage costs an extra $396 every year
• Unlucky drivers with multiple tickets or accidents could pay upwards of $3,316 or more
• Policy cost to insure a teen driver may cost $5,808 each year

View Chart as Image

Insurance rates for a Honda Civic also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level of your Civic.

Opting for high physical damage deductibles can save as much as $600 every year, while buying higher liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $358 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as little as $1,400 annually on average, or $117 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay upwards of $5,800 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at a minimum $1,800 to $2,500 extra every year, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 132% more than the average rate. View High Risk Driver Rates

Your home state plays a big part in determining prices for Honda Civic insurance prices. A good driver about age 40 could pay as low as $1,160 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,160 on average in Michigan, New York, and Louisiana.

View Chart as Image

Because rates have so much variability, the best way to figure out exactly what you will pay is to get quotes and see which company has the best rate. Each auto insurer utilizes a different rate formula, so the rates will be varied.

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

Finding cheaper rates on car insurance takes being a good driver, having good credit, paying for small claims out-of-pocket, and bundling your home and auto policies. Invest time comparing rates at least every other year by getting price quotes from direct car insurance companies, and also from your local independent and exclusive agents.

The following list is a quick review of the car insurance concepts covered in the charts and tables above.

• Higher risk drivers with a DUI or reckless driving violation may pay on average $1,800 more each year than a safer driver
• You may be able to save as much as $190 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $600 each year
• Policyholders who require an increased level of liability coverage will pay around $500 per year to raise limits from a 30/60 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.