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.

Estimated auto insurance rates for a Honda Civic are $1,508 annually including full coverage. Comprehensive insurance costs around $248 each year, collision insurance costs $610, and liability is estimated at $470. Liability-only coverage costs approximately $536 a year, and high-risk coverage costs $3,314 or more. Teen drivers pay the most at up to $5,826 a year.

Average premium for full coverage: $1,508

Premium estimates for type of coverage:

These estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and Civic models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on the price of insurance. Areas with sparse population are statistically proven to have fewer comprehensive and collision claims than larger metro areas. The graphic below illustrates how rural and urban location affects auto insurance rates.

These rate differences highlight why all drivers should get quotes for a specific zip code and their own personal driving habits, instead of making a decision based on price averages.

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

Additional Rate Details

The chart below breaks down average Honda Civic insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $855
• Choosing higher $1,000 deductibles can save about $194 every year
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,508
• Choosing low deductibles for comp and collision coverage costs an additional $386 annually
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,314
• An auto insurance policy with full coverage for a 16-year-old driver can be $5,826 each year

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Insurance prices for a Honda Civic also have a wide range based on the model of your Civic, your driving characteristics, and deductibles and policy limits.

More mature drivers with a clean driving record and high physical damage deductibles may pay as low as $1,400 annually 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 can expect to pay as much as $5,800 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying at least $1,800 to $2,500 extra annually, depending on your age. Insurance for high-risk drivers ranges from 43% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $580 annually, whereas increasing liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $375 more per year. View Rates by Deductible or Liability Limit

Where you choose to live 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 Missouri, New Hampshire, and Vermont, or as much as $2,150 on average in Michigan, New York, and Louisiana.

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 Buy Cheap Honda Civic Insurance

Finding better rates on insurance for a Honda Civic takes having a decent driving record, having a good credit history, refrain from filing small claims, and dropping full coverage on older vehicles. Set aside time to shop around at every policy renewal by quoting rates from direct car insurance companies, and also from your local independent and exclusive agents.

The following items are a brief summary of the data raised in the charts and tables above.

• Insureds who may need additional liability coverage will pay about $520 per year to raise limits from 30/60 bodily injury limits to higher 250/500 limits
• You may be able to save up to $180 per year just by quoting online in advance
• Increasing policy deductibles could save up to $575 each year
• 16 to 18-year-old drivers pay higher prices, with the cost nearing $486 per month including comprehensive and collision 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.

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.