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 $1,536 annually for full coverage. Comprehensive costs an estimated $280, collision costs $656, and liability is $420. A policy with only liability insurance costs around $494 a year, with a high-risk policy costing around $3,360. Teen drivers pay the most at $5,820 a year or more.

Average premium for full coverage: $1,536

Premium estimates broken down by type of coverage:

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

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.

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.

Additional Rate Information

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

• The lowest rate with discounts is $872
• Raising to $1,000 deductibles will save approximately $210 a year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,536
• Choosing pricier low deductibles will cost $1,956
• At-risk drivers with multiple violations and an at-fault accident could pay up to $3,360 or more
• An auto insurance policy with full coverage for a teen driver for full coverage can cost as much as $5,820

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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 $1,900 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 137% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce prices by up to $630 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 $335 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 $1,010 a year in states like Iowa, Maine, and Idaho, or as much as $2,190 on average in New York, Louisiana, and Michigan.

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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

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.

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 $460 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 $485 per month if comprehensive and collision insurance is included
• Higher risk drivers that have major violations or accidents may pay on average $1,820 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.

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.