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 costs an estimated $256 a year, collision insurance costs $626, and liability is estimated at $450. Liability-only insurance costs approximately $518 a year, and high-risk driver insurance costs around $3,316. Teen drivers cost the most to insure at up to $5,808 a year.

Average premium for full coverage: $1,512

Policy rates broken down by type of insurance:

These estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical 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 make a big difference on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than larger metro areas. The diagram below illustrates how where you live affects insurance prices.

The examples above highlight why it is important to get quotes for a targeted area and their own driving history, instead of making a decision based on price averages.

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

Rates by State, City, and Model

The chart below breaks down average Honda Civic insurance rates for other coverage scenarios.

• The lowest rate with discounts is $857
• Choosing higher $1,000 deductibles can save approximately $1,314 every year
• The average price for a good driver age 40 who has $500 deductibles is $1,512
• Choosing low $100 deductibles for comp and collision coverage increases the price to $1,908
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $3,316
• Policy cost to insure a 16-year-old driver can cost as much as $5,808 each year

View Chart as Image

Auto insurance rates for a Honda Civic also range considerably based on liability limits and deductibles, your driving characteristics, and the model year and trim level.

Choosing high deductibles can save as much as $600 annually, while buying higher liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $358 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may pay as low as $1,400 annually on average, or $117 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay at least $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 $1,800 to $2,500 in extra premium every year, depending on your age. A high-risk auto insurance policy ranges from 43% to 132% more than average. 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 Vermont, New Hampshire, and Missouri, or as much as $2,160 on average in Louisiana, New York, and Michigan.

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 Shop for Cheap Honda Civic Insurance

Finding cheaper rates on insurance for a Honda Civic takes avoiding accidents and claims, having a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Take the time to comparison shop every other policy renewal by getting quotes from direct car insurance companies, and also from local insurance agencies.

The points below are a brief summary of the ideas that were touched on in the above illustrations.

• Drivers under the age of 20 are the costliest to insure, with premiums being up to $484 each month if comprehensive and collision insurance is included
• Drivers considered higher risk that tend to have accidents or serious violations may have to pay on average $1,800 more annually to insure a Honda Civic
• Increasing comprehensive and collision deductibles could save as much as $600 each year
• You may be able to save approximately $190 per year just by quoting early and online

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.