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 auto insurance rates for a Honda Civic are $1,512 annually with full coverage. Comprehensive insurance costs an estimated $256, collision insurance costs $626, and liability costs around $450. Liability-only insurance costs as low as $518 a year, and high-risk driver insurance costs $3,316 or more. Teenage 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 deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and for different Civic trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance rates. More rural locations are shown to have fewer collision claims than densely populated cities. The price range example below illustrates how location helps determine insurance prices.

The examples above demonstrate why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, instead of using average rates.

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

Additional Rate Details

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

• The best discount rate is $857
• Using higher $1,000 deductibles will save approximately $198 annually
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,512
• Using more expensive low deductibles for physical damage coverage costs an additional $396 every year
• Drivers who are prone to accidents and violations could pay up to $3,316
• Policy cost with full coverage for a teen driver with full coverage can cost as much as $5,808 or more

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

An older driver with a good driving record and high physical damage deductibles may pay as little as $1,400 a year, or $117 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they 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 caused a few accidents, you may be forking out $1,800 to $2,500 in extra premium every year, depending on your age. High-risk driver insurance can be as much as 43% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $600 every year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $358 extra every year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Honda Civic insurance prices. A driver around age 40 might see rates as low as $1,090 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,040 on average in New York, Michigan, and Florida.

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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 Buy Cheap Honda Civic Insurance

Finding cheaper rates on car insurance requires not taking risks behind the wheel, having above-average credit, not filing small claims, and consideration of higher deductibles. Invest time comparing rates at every policy renewal by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following is a brief summary of the data covered in the charts and tables above.

• Policyholders who want higher liability limits will pay an extra $500 every year to increase from a 30/60 limit to higher 250/500 limits
• You may be able to save approximately $190 per year just by shopping early and online
• Increasing comprehensive and collision deductibles could save up to $600 each year
• Teens are the costliest to insure, as much as $484 each month if full coverage is included

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.