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Honda Civic Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 24, 2021

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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 $1,512 annually for full coverage. Comprehensive costs an estimated $256, collision costs $626, and liability is $450. A policy with only liability insurance costs around $518 a year, with a high-risk policy costing around $3,316. Teen drivers pay the most at $5,808 a year or more.

Average premium for full coverage: $1,512

Premium estimates broken down by type of coverage:

Comprehensive $256
Collision $626
Liability $450

Includes $500 deductible amounts, liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all states and for all Civic models.

Insurance Price Range by Risk and Coverage

For the average driver, insurance rates for a Honda Civic go from as cheap as $518 for the bare minimum liability coverage to the much higher price of $3,316 for a driver that may need high-risk insurance.

Liability Only $518
Full Coverage $1,512
High Risk $3,316

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on insurance rates. More rural locations are statistically proven to have fewer accident claims than larger metro areas.

The example below illustrates how location impacts insurance prices.

Rural Areas $1,134
Small Cities $1,588
Large Cities $2,041

These rate differences show why everyone should compare rates quotes for a targeted area and their own personal driving habits, instead of using price averages.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Rate Information

The chart below shows estimated Honda Civic insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $857
  • Raising to $1,000 deductibles will save approximately $198 a year
  • The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,512
  • Choosing pricier low deductibles will cost $1,908
  • At-risk drivers with multiple violations and an at-fault accident could pay up to $3,316 or more
  • An auto insurance policy with full coverage for a teen driver for full coverage can cost as much as $5,808

View Chart as Image

Honda Civic insurance cost comparison chart
Column chart showing full coverage Honda Civic insurance rates range from $857 to $5,808

Car insurance prices for a Honda Civic also have a wide range based on the model of your Civic, your driver profile, and liability limits and deductibles.

A more mature driver with no driving violations and high physical damage deductibles may pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged at least $5,800 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying $1,800 to $2,500 extra annually, depending on your age. Honda Civic insurance for high-risk drivers is expensive and can cost as much as 43% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce prices by up to $600 every year, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $358 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Honda Civic insurance prices. A middle-age driver might find prices as low as $1,000 a year in states like Iowa, Maine, and Idaho, or as much as $2,160 on average in New York, Louisiana, and Michigan.

Honda Civic Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,368 -$144 -9.5%
Alaska $1,160 -$352 -23.3%
Arizona $1,256 -$256 -16.9%
Arkansas $1,512 -$0 0.0%
California $1,724 $212 14.0%
Colorado $1,444 -$68 -4.5%
Connecticut $1,552 $40 2.6%
Delaware $1,712 $200 13.2%
Florida $1,890 $378 25.0%
Georgia $1,396 -$116 -7.7%
Hawaii $1,086 -$426 -28.2%
Idaho $1,026 -$486 -32.1%
Illinois $1,126 -$386 -25.5%
Indiana $1,142 -$370 -24.5%
Iowa $1,020 -$492 -32.5%
Kansas $1,436 -$76 -5.0%
Kentucky $2,062 $550 36.4%
Louisiana $2,238 $726 48.0%
Maine $934 -$578 -38.2%
Maryland $1,248 -$264 -17.5%
Massachusetts $1,208 -$304 -20.1%
Michigan $2,624 $1,112 73.5%
Minnesota $1,266 -$246 -16.3%
Mississippi $1,814 $302 20.0%
Missouri $1,342 -$170 -11.2%
Montana $1,624 $112 7.4%
Nebraska $1,192 -$320 -21.2%
Nevada $1,814 $302 20.0%
New Hampshire $1,088 -$424 -28.0%
New Jersey $1,692 $180 11.9%
New Mexico $1,338 -$174 -11.5%
New York $1,592 $80 5.3%
North Carolina $872 -$640 -42.3%
North Dakota $1,238 -$274 -18.1%
Ohio $1,044 -$468 -31.0%
Oklahoma $1,552 $40 2.6%
Oregon $1,386 -$126 -8.3%
Pennsylvania $1,440 -$72 -4.8%
Rhode Island $2,016 $504 33.3%
South Carolina $1,370 -$142 -9.4%
South Dakota $1,276 -$236 -15.6%
Tennessee $1,322 -$190 -12.6%
Texas $1,822 $310 20.5%
Utah $1,120 -$392 -25.9%
Vermont $1,036 -$476 -31.5%
Virginia $906 -$606 -40.1%
Washington $1,168 -$344 -22.8%
West Virginia $1,388 -$124 -8.2%
Wisconsin $1,048 -$464 -30.7%
Wyoming $1,348 -$164 -10.8%

View Chart as Image

Honda Civic insurance rates by U.S. city

With such a large range in prices, the only way to know which insurance company is cheapest is to regularly compare prices and see which company has the best price. Every auto insurance company uses a different rate calculation, so rate quotes will be substantially different between companies.

Insurance Rates by Trim Level and Model Year

Honda Civic Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Honda Civic DX 4-Dr Sedan $1,282 $107
Honda Civic DX 2-Dr Coupe $1,526 $127
Honda Civic LX 4-Dr Sedan $1,354 $113
Honda Civic VP 4-Dr Sedan $1,354 $113
Honda Civic EX 4-Dr Sedan $1,396 $116
Honda Civic LX 2-Dr Coupe $1,568 $131
Honda Civic LX-S 4-Dr Sedan $1,396 $116
Honda Civic EX-L 4-Dr Sedan $1,438 $120
Honda Civic EX 2-Dr Coupe $1,624 $135
Honda Civic SI 4-Dr Sedan $1,482 $124
Honda Civic EX-L 2-Dr Coupe $1,666 $139
Honda Civic GX 4-Dr Sedan $1,494 $125
Honda Civic SI 2-Dr Coupe $1,706 $142
Honda Civic Hybrid 4-Dr Sedan $1,416 $118

Rates assume 2020 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.

Honda Civic Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Honda Civic $256 $626 $450 $1,512
2019 Honda Civic $248 $610 $470 $1,508
2018 Honda Civic $240 $586 $486 $1,492
2017 Honda Civic $226 $564 $500 $1,470
2016 Honda Civic $218 $524 $510 $1,432
2015 Honda Civic $208 $494 $514 $1,396
2014 Honda Civic $200 $442 $520 $1,342
2013 Honda Civic $188 $408 $520 $1,296
2012 Honda Civic $180 $382 $524 $1,266
2011 Honda Civic $176 $356 $534 $1,246
2010 Honda Civic $164 $330 $534 $1,208
2009 Honda Civic $158 $300 $540 $1,178
2008 Honda Civic $148 $274 $534 $1,136
2007 Honda Civic $140 $250 $534 $1,104
2006 Honda Civic $134 $224 $530 $1,068
2005 Honda Civic $132 $218 $520 $1,050
2004 Honda Civic $130 $208 $510 $1,028
2003 Honda Civic $120 $198 $504 $1,002
2002 Honda Civic $116 $188 $500 $984

Rates are averaged for all Honda Civic models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy the Cheapest Honda Civic Insurance

Finding better rates on car insurance consists of having a good driving record, having a good credit score, not filing small claims, and not having any coverage lapses. Spend time shopping around once a year by getting rate quotes from direct carriers, and also from local exclusive and independent agents.

The next list is a recap of the data that was touched on above.

  • Drivers can save approximately $190 per year simply by quoting online well ahead of the renewal date
  • Policyholders who want increased levels of liability coverage will pay about $500 each year to raise from 30/60 bodily injury limits to higher 250/500 limits
  • Drivers age 20 and younger have the highest car insurance prices, as much as $484 per month if comprehensive and collision insurance is included
  • Higher risk drivers that have major violations or accidents may pay on average $1,800 more annually to buy Honda Civic 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.

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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:

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.

Rates by Driver Age

Honda Civic Insurance Rates by Driver Age
Driver Age Premium
16 $5,808
20 $3,572
30 $1,574
40 $1,512
50 $1,386
60 $1,362

Full coverage, $500 deductibles

Rates by Deductible

Honda Civic Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,908
$250 $1,722
$500 $1,512
$1,000 $1,314

Full coverage, driver age 40

Rates by Liability Limit

Honda Civic Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,512
50/100 $1,496
100/300 $1,595
250/500 $1,854
100 CSL $1,535
300 CSL $1,754
500 CSL $1,914

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Civic Insurance Rates for High Risk Drivers
Age Premium
16 $8,288
20 $5,692
30 $3,388
40 $3,316
50 $3,172
60 $3,146

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $220

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $80
Multi-vehicle $82
Homeowner $22
5-yr Accident Free $116
5-yr Claim Free $99
Paid in Full/EFT $71
Advance Quote $78
Online Quote $107
Total Discounts $655
Rate after discounts $857

Discounts are estimated and may not be available from every company or in every state.

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