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Honda Civic Insurance Rates

Honda Civic insurance

Estimated auto insurance rates for a Honda Civic are $1,460 annually for full coverage. Comprehensive costs an estimated $266, collision costs $624, and liability is $400. A policy with only liability insurance costs around $470 a year, with a high-risk policy costing around $3,192. Teen drivers pay the most at $5,530 a year or more.

Average premium for full coverage: $1,460

Premium estimates broken down by type of coverage:

Comprehensive $266
Collision $624
Liability $400

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 $470 for the bare minimum liability coverage to the much higher price of $3,192 for a driver that may need high-risk insurance.

Liability Only $470
Full Coverage $1,460
High Risk $3,192

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 $1,095
Small Cities $1,533
Large Cities $1,971

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.

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Additional Rate Information

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

  • The lowest rate with discounts is $828
  • Raising to $1,000 deductibles will save approximately $202 a year
  • The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,460
  • Choosing pricier low deductibles will cost $1,856
  • At-risk drivers with multiple violations and an at-fault accident could pay up to $3,192 or more
  • An auto insurance policy with full coverage for a teen driver for full coverage can cost as much as $5,530

View Chart as Image

Honda Civic insurance cost comparison chart
Column chart showing full coverage Honda Civic insurance rates range from $828 to $5,530

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 $5,500 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 $2,400 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 $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 $318 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 $1,040 a year in states like Iowa, Maine, and Idaho, or as much as $2,320 on average in New York, Louisiana, and Michigan.

Honda Civic Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,404-$56-3.8%
Alaska$1,198-$262-17.9%
Arizona$1,466$60.4%
Arkansas$1,482$221.5%
California$1,640$18012.3%
Colorado$1,518$584.0%
Connecticut$1,914$45431.1%
Delaware$1,778$31821.8%
Florida$1,972$51235.1%
Georgia$1,446-$14-1.0%
Hawaii$1,576$1167.9%
Idaho$1,016-$444-30.4%
Illinois$1,084-$376-25.8%
Indiana$1,042-$418-28.6%
Iowa$1,096-$364-24.9%
Kansas$1,340-$120-8.2%
Kentucky$1,892$43229.6%
Louisiana$2,368$90862.2%
Maine$998-$462-31.6%
Maryland$1,504$443.0%
Massachusetts$1,286-$174-11.9%
Michigan$2,684$1,22483.8%
Minnesota$1,284-$176-12.1%
Mississippi$1,428-$32-2.2%
Missouri$1,246-$214-14.7%
Montana$1,322-$138-9.5%
Nebraska$1,204-$256-17.5%
Nevada$1,886$42629.2%
New Hampshire$1,192-$268-18.4%
New Jersey$1,454-$6-0.4%
New Mexico$1,354-$106-7.3%
New York$1,900$44030.1%
North Carolina$1,036-$424-29.0%
North Dakota$1,420-$40-2.7%
Ohio$1,030-$430-29.5%
Oklahoma$1,774$31421.5%
Oregon$1,366-$94-6.4%
Pennsylvania$1,644$18412.6%
Rhode Island$1,772$31221.4%
South Carolina$1,360-$100-6.8%
South Dakota$1,142-$318-21.8%
Tennessee$1,314-$146-10.0%
Texas$1,404-$56-3.8%
Utah$1,296-$164-11.2%
Vermont$1,040-$420-28.8%
Virginia$1,052-$408-27.9%
Washington$1,286-$174-11.9%
West Virginia$1,486$261.8%
Wisconsin$1,490$302.1%
Wyoming$1,614$15410.5%

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

Rates assume 2018 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 YearComprehensiveCollisionLiabilityTotal Premium
2018 Honda Civic$266$624$400$1,460
2017 Honda Civic$254$600$418$1,442
2016 Honda Civic$244$594$428$1,436
2015 Honda Civic$236$580$446$1,432
2014 Honda Civic$228$556$460$1,414
2013 Honda Civic$214$536$474$1,394
2012 Honda Civic$206$498$484$1,358
2011 Honda Civic$198$468$488$1,324
2010 Honda Civic$190$420$494$1,274
2009 Honda Civic$178$386$494$1,228
2008 Honda Civic$172$362$498$1,202
2007 Honda Civic$168$338$508$1,184
2006 Honda Civic$154$314$508$1,146
2005 Honda Civic$150$286$512$1,118
2004 Honda Civic$140$260$508$1,078
2003 Honda Civic$132$236$508$1,046
2002 Honda Civic$128$212$502$1,012
2001 Honda Civic$126$208$494$998
2000 Honda Civic$124$198$484$976
1999 Honda Civic$114$188$480$952

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 $180 per year simply by quoting online well ahead of the renewal date
  • Policyholders who want increased levels of liability coverage will pay about $440 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 $461 per month if comprehensive and collision insurance is included
  • Higher risk drivers that have major violations or accidents may pay on average $1,730 more annually to buy Honda Civic insurance

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Rates by Driver Age

Honda Civic Insurance Rates by Driver Age
Driver AgePremium
16$5,530
20$3,434
30$1,524
40$1,460
50$1,334
60$1,312

Full coverage, $500 deductibles

Rates by Deductible

Honda Civic Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,856
$250$1,670
$500$1,460
$1,000$1,258

Full coverage, driver age 40

Rates by Liability Limit

Honda Civic Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,460
50/100$1,447
100/300$1,535
250/500$1,765
100 CSL$1,482
300 CSL$1,677
500 CSL$1,819

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Civic Insurance Rates for High Risk Drivers
AgePremium
16$7,898
20$5,470
30$3,264
40$3,192
50$3,052
60$3,024

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 $211

Potential Rate Discounts

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

DiscountSavings
Multi-policy$77
Multi-vehicle$78
Homeowner$21
5-yr Accident Free$113
5-yr Claim Free$95
Paid in Full/EFT$70
Advance Quote$75
Online Quote$103
Total Discounts$632
Rate after discounts $828

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

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