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.

Average insurance prices for a Honda Civic are $1,512 every 12 months for full coverage. Comprehensive insurance costs approximately $256, collision costs $626, and liability is estimated at $450. A policy with just liability insurance costs approximately $518 a year, with coverage for high-risk drivers costing $3,316 or more. 16-year-old drivers receive the highest rates at $5,808 a year or more.

Average premium for full coverage: $1,512

Rate estimates by individual coverage type:

Estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all states and for different Civic trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on car insurance rates. Rural locations tend to have more infrequent accident claims than congested cities.

The price range example below illustrates the effect of geographic area on auto insurance prices.

These examples show why anyone shopping for car insurance should get quotes using their specific location and their own driving history, instead of using rate averages.

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

Detailed Rate Analysis

The chart below shows estimated Honda Civic insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $857
• Choosing higher $1,000 deductibles can save $198 a year
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,512
• Buying more expensive low deductibles for comp and collision coverage costs an extra $396 every year
• Unlucky drivers with multiple tickets or accidents could pay around $3,316 or more
• The cost to insure a teen driver with full coverage can cost $5,808 each year

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Insurance rates for a Honda Civic can also vary considerably based on policy deductibles and limits, your driver profile, and the model of your Civic.

Opting for high physical damage deductibles can save as much as $600 every year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $358 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may pay as little as $1,400 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay in the ballpark of $5,800 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying anywhere from $1,800 to $2,500 additional per year, depending on your age. High-risk driver insurance ranges as much as 43% to 132% more than the average rate. View High Risk Driver Rates

Where you live plays a big part in determining prices for Honda Civic insurance prices. A good driver about age 40 could pay as low as $1,000 a year in states like Iowa, Maine, and Idaho, or at least $2,160 on average in New York, Louisiana, and Michigan.

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With so much variability in rates, the only way to know who has the cheapest car insurance rates is to compare rates and see which company has the best rate. Each auto insurer utilizes a different rate formula, and rates can be significantly different.

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 Shop for Low Cost Honda Civic Insurance

Saving money on car insurance takes avoiding accidents and violations, having above-average credit, eliminating unneeded coverage, and qualifying for all possible discounts. Take the time to compare rates every time your policy renews by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The list below is a review of the information covered in the above illustrations.

• Drivers can save around $190 per year simply by shopping early and online
• Teenagers are the costliest to insure, costing as high as $484 per month if full coverage is included
• Increasing deductibles could save as much as $600 each year
• Higher risk drivers who have several accidents or serious violations may pay on average $1,800 more per year for car insurance
• Policyholders who purchase higher liability limits will pay around $500 each year to raise limits from a minimum limit to a 250/500 level

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.