Honda Civic Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 5, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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 insurance prices for a Honda Civic are $1,296 every 12 months with full coverage. Comprehensive insurance costs an estimated $188, collision costs $408, and liability coverage costs around $520. A liability-only policy costs as low as $576 a year, with high-risk insurance costing $2,828 or more. Teen drivers pay the most at $5,174 a year or more.

Average premium for full coverage: $1,296

Premium estimates broken down by type of coverage:

Comprehensive $188
Collision $408
Liability $520

Estimates include $500 physical damage deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and for all Civic models.

Insurance Price Range by Risk and Coverage

For a 40-year-old driver, insurance rates for a Honda Civic go from the cheapest price of $576 for a discount liability-only rate to the much higher price of $2,828 for a driver that may need high-risk insurance.

Liability Only $576
Full Coverage $1,296
High Risk $2,828

Insurance Price Range by Location

Where you live has a large influence on car insurance rates. More rural locations are statistically proven to have more infrequent collision claims than larger metro areas.

The example below illustrates how your location can change insurance prices.

Rural Areas $972
Small Cities $1,361
Large Cities $1,750

These rate differences demonstrate why everyone should compare prices for a targeted area and their own driving history, rather than 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.

Rates by State, City, and Model

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

  • The lowest rate with discounts is $756
  • Using higher $1,000 deductibles will save approximately $136 annually
  • The average price for a 40-year-old good driver who has $500 deductibles is $1,296
  • Choosing pricier low deductibles for physical damage coverage costs an extra $262 each year
  • Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,828 or more
  • An auto insurance policy to insure a teenage driver for full coverage can cost as much as $5,174 or more

View Chart as Image

Honda Civic insurance cost comparison chart
Column chart showing full coverage Honda Civic insurance prices range from $756 to $5,174

Auto insurance prices for a Honda Civic also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model year and trim level.

Choosing high deductibles could cut prices by as much as $400 a year, whereas buying more liability protection will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $414 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay at least $5,100 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out $1,600 to $2,200 in extra premium annually, depending on your age. Honda Civic insurance for high-risk drivers can be around 43% to 137% more than average. View High Risk Driver Rates

Where you choose to live has a huge impact on Honda Civic insurance rates. A driver around age 40 might see prices as low as $930 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,750 on average in New York, Michigan, and Florida.

Honda Civic Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,168 -$128 -9.9%
Alaska $992 -$304 -23.5%
Arizona $1,076 -$220 -17.0%
Arkansas $1,296 -$0 0.0%
California $1,474 $178 13.7%
Colorado $1,232 -$64 -4.9%
Connecticut $1,328 $32 2.5%
Delaware $1,464 $168 13.0%
Florida $1,618 $322 24.8%
Georgia $1,194 -$102 -7.9%
Hawaii $928 -$368 -28.4%
Idaho $876 -$420 -32.4%
Illinois $964 -$332 -25.6%
Indiana $974 -$322 -24.8%
Iowa $872 -$424 -32.7%
Kansas $1,228 -$68 -5.2%
Kentucky $1,764 $468 36.1%
Louisiana $1,914 $618 47.7%
Maine $800 -$496 -38.3%
Maryland $1,066 -$230 -17.7%
Massachusetts $1,034 -$262 -20.2%
Michigan $2,242 $946 73.0%
Minnesota $1,082 -$214 -16.5%
Mississippi $1,550 $254 19.6%
Missouri $1,148 -$148 -11.4%
Montana $1,388 $92 7.1%
Nebraska $1,020 -$276 -21.3%
Nevada $1,552 $256 19.8%
New Hampshire $932 -$364 -28.1%
New Jersey $1,444 $148 11.4%
New Mexico $1,144 -$152 -11.7%
New York $1,362 $66 5.1%
North Carolina $746 -$550 -42.4%
North Dakota $1,062 -$234 -18.1%
Ohio $892 -$404 -31.2%
Oklahoma $1,328 $32 2.5%
Oregon $1,184 -$112 -8.6%
Pennsylvania $1,232 -$64 -4.9%
Rhode Island $1,726 $430 33.2%
South Carolina $1,172 -$124 -9.6%
South Dakota $1,092 -$204 -15.7%
Tennessee $1,130 -$166 -12.8%
Texas $1,558 $262 20.2%
Utah $956 -$340 -26.2%
Vermont $886 -$410 -31.6%
Virginia $774 -$522 -40.3%
Washington $998 -$298 -23.0%
West Virginia $1,186 -$110 -8.5%
Wisconsin $896 -$400 -30.9%
Wyoming $1,150 -$146 -11.3%

View Chart as Image

Honda Civic insurance rates by U.S. city

With such a large range in prices, the best way to find out which insurance company is cheapest is to regularly compare prices and see how they stack up. Each insurance company uses a different rate calculation, and quoted prices will be substantially different.

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 $1,108 $92
Honda Civic DX 2-Dr Coupe $1,330 $111
Honda Civic LX 4-Dr Sedan $1,154 $96
Honda Civic VP 4-Dr Sedan $1,154 $96
Honda Civic EX 4-Dr Sedan $1,184 $99
Honda Civic LX 2-Dr Coupe $1,360 $113
Honda Civic LX-S 4-Dr Sedan $1,184 $99
Honda Civic EX-L 4-Dr Sedan $1,214 $101
Honda Civic EX 2-Dr Coupe $1,396 $116
Honda Civic SI 4-Dr Sedan $1,240 $103
Honda Civic EX-L 2-Dr Coupe $1,426 $119
Honda Civic GX 4-Dr Sedan $1,250 $104
Honda Civic SI 2-Dr Coupe $1,454 $121
Honda Civic Hybrid 4-Dr Sedan $1,200 $100

Rates assume 2015 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 $240 $586 $486 $1,492
2019 Honda Civic $226 $564 $500 $1,470
2018 Honda Civic $218 $524 $510 $1,432
2017 Honda Civic $208 $494 $514 $1,396
2016 Honda Civic $200 $442 $520 $1,342
2015 Honda Civic $188 $408 $520 $1,296
2014 Honda Civic $180 $382 $524 $1,266
2013 Honda Civic $176 $356 $534 $1,246
2012 Honda Civic $164 $330 $534 $1,208
2011 Honda Civic $158 $300 $540 $1,178
2010 Honda Civic $148 $274 $534 $1,136
2009 Honda Civic $140 $250 $534 $1,104
2008 Honda Civic $134 $224 $530 $1,068
2007 Honda Civic $132 $218 $520 $1,050
2006 Honda Civic $130 $208 $510 $1,028
2005 Honda Civic $120 $198 $504 $1,002
2004 Honda Civic $116 $188 $500 $984

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 Shop for Low Cost Honda Civic Insurance

Finding better rates on auto insurance requires being a safe and courteous driver, having a good credit score, being claim-free, and qualifying for all possible discounts. Invest the time to shop around once a year by getting rate quotes from direct companies, and also from your local independent and exclusive agents.

Below is a review of the data that was illustrated above.

  • You may be able to save approximately $150 per year simply by quoting online well ahead of the renewal date
  • Consumers who want higher levels of liability will pay about $570 every year to increase from 30/60 bodily injury limits to a 250/500 level
  • Teenage drivers are the costliest to insure, possibly costing $431 per month if comprehensive and collision insurance is included
  • Drivers who have several accidents or serious violations may pay on average $1,530 more annually for auto 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.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

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. 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.

Rates by Driver Age

Honda Civic Insurance Rates by Driver Age
Driver Age Premium
16 $5,174
20 $3,030
30 $1,326
40 $1,296
50 $1,188
60 $1,166

Full coverage, $500 deductibles

Rates by Deductible

Honda Civic Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,558
$250 $1,434
$500 $1,296
$1,000 $1,160

Full coverage, driver age 40

Rates by Liability Limit

Honda Civic Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,296
50/100 $1,292
100/300 $1,407
250/500 $1,706
100 CSL $1,338
300 CSL $1,591
500 CSL $1,775

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Civic Insurance Rates for High Risk Drivers
Age Premium
16 $7,338
20 $4,840
30 $2,866
40 $2,828
50 $2,708
60 $2,686

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 $185

Potential Rate Discounts

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

Discount Savings
Multi-policy $67
Multi-vehicle $72
Homeowner $22
5-yr Accident Free $90
5-yr Claim Free $84
Paid in Full/EFT $54
Advance Quote $62
Online Quote $89
Total Discounts $540
Rate after discounts $756

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

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles