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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...

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UPDATED: Apr 9, 2020

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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, 2007 Honda Civic insurance costs are likely more affordable than 2009 Honda Civic insurance rates.

In order to help you secure an affordable 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 for a Honda Civic.

You can even start comparing Honda Civic 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:

Comprehensive $280
Collision $656
Liability $420

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 $494 for the bare minimum liability coverage to the much higher price of $3,360 for a driver that may need high-risk insurance.

Liability Only $494
Full Coverage $1,536
High Risk $3,360

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 $1,152
Small Cities $1,613
Large Cities $2,074

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 $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

View Chart as Image

Honda Civic insurance cost comparison chart
Column chart showing full coverage Honda Civic insurance rates range from $872 to $5,820

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.

Honda Civic Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,390 -$146 -9.5%
Alaska $1,180 -$356 -23.2%
Arizona $1,276 -$260 -16.9%
Arkansas $1,536 -$0 0.0%
California $1,752 $216 14.1%
Colorado $1,466 -$70 -4.6%
Connecticut $1,578 $42 2.7%
Delaware $1,740 $204 13.3%
Florida $1,922 $386 25.1%
Georgia $1,420 -$116 -7.6%
Hawaii $1,104 -$432 -28.1%
Idaho $1,042 -$494 -32.2%
Illinois $1,146 -$390 -25.4%
Indiana $1,160 -$376 -24.5%
Iowa $1,038 -$498 -32.4%
Kansas $1,460 -$76 -4.9%
Kentucky $2,096 $560 36.5%
Louisiana $2,276 $740 48.2%
Maine $950 -$586 -38.2%
Maryland $1,270 -$266 -17.3%
Massachusetts $1,226 -$310 -20.2%
Michigan $2,668 $1,132 73.7%
Minnesota $1,286 -$250 -16.3%
Mississippi $1,842 $306 19.9%
Missouri $1,364 -$172 -11.2%
Montana $1,652 $116 7.6%
Nebraska $1,214 -$322 -21.0%
Nevada $1,842 $306 19.9%
New Hampshire $1,108 -$428 -27.9%
New Jersey $1,720 $184 12.0%
New Mexico $1,360 -$176 -11.5%
New York $1,618 $82 5.3%
North Carolina $886 -$650 -42.3%
North Dakota $1,260 -$276 -18.0%
Ohio $1,060 -$476 -31.0%
Oklahoma $1,578 $42 2.7%
Oregon $1,410 -$126 -8.2%
Pennsylvania $1,466 -$70 -4.6%
Rhode Island $2,052 $516 33.6%
South Carolina $1,394 -$142 -9.2%
South Dakota $1,298 -$238 -15.5%
Tennessee $1,344 -$192 -12.5%
Texas $1,850 $314 20.4%
Utah $1,138 -$398 -25.9%
Vermont $1,052 -$484 -31.5%
Virginia $920 -$616 -40.1%
Washington $1,184 -$352 -22.9%
West Virginia $1,410 -$126 -8.2%
Wisconsin $1,064 -$472 -30.7%
Wyoming $1,368 -$168 -10.9%

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 $1,302 $109
Honda Civic DX 2-Dr Coupe $1,546 $129
Honda Civic LX 4-Dr Sedan $1,378 $115
Honda Civic VP 4-Dr Sedan $1,378 $115
Honda Civic EX 4-Dr Sedan $1,422 $119
Honda Civic LX 2-Dr Coupe $1,588 $132
Honda Civic LX-S 4-Dr Sedan $1,422 $119
Honda Civic EX-L 4-Dr Sedan $1,466 $122
Honda Civic EX 2-Dr Coupe $1,648 $137
Honda Civic SI 4-Dr Sedan $1,512 $126
Honda Civic EX-L 2-Dr Coupe $1,692 $141
Honda Civic GX 4-Dr Sedan $1,526 $127
Honda Civic SI 2-Dr Coupe $1,738 $145
Honda Civic Hybrid 4-Dr Sedan $1,446 $121

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 $280 $656 $420 $1,536
2019 Honda Civic $268 $630 $440 $1,518
2018 Honda Civic $256 $626 $450 $1,512
2017 Honda Civic $248 $610 $470 $1,508
2016 Honda Civic $240 $586 $486 $1,492
2015 Honda Civic $226 $564 $500 $1,470
2014 Honda Civic $218 $524 $510 $1,432
2013 Honda Civic $208 $494 $514 $1,396
2012 Honda Civic $200 $442 $520 $1,342
2011 Honda Civic $188 $408 $520 $1,296
2010 Honda Civic $180 $382 $524 $1,266
2009 Honda Civic $176 $356 $534 $1,246
2008 Honda Civic $164 $330 $534 $1,208
2007 Honda Civic $158 $300 $540 $1,178
2006 Honda Civic $148 $274 $534 $1,136
2005 Honda Civic $140 $250 $534 $1,104
2004 Honda Civic $134 $224 $530 $1,068
2003 Honda Civic $132 $218 $520 $1,050
2002 Honda Civic $130 $208 $510 $1,028
2001 Honda Civic $120 $198 $504 $1,002

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 $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.

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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.

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 $5,820
20 $3,618
30 $1,604
40 $1,536
50 $1,406
60 $1,382

Full coverage, $500 deductibles

Rates by Deductible

Honda Civic Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,956
$250 $1,760
$500 $1,536
$1,000 $1,326

Full coverage, driver age 40

Rates by Liability Limit

Honda Civic Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,536
50/100 $1,520
100/300 $1,613
250/500 $1,855
100 CSL $1,558
300 CSL $1,762
500 CSL $1,911

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Civic Insurance Rates for High Risk Drivers
Age Premium
16 $8,316
20 $5,760
30 $3,436
40 $3,360
50 $3,210
60 $3,186

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 $222

Potential Rate Discounts

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

Discount Savings
Multi-policy $81
Multi-vehicle $82
Homeowner $22
5-yr Accident Free $119
5-yr Claim Free $100
Paid in Full/EFT $73
Advance Quote $79
Online Quote $108
Total Discounts $664
Rate after discounts $872

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

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