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.

The average insurance prices for a Honda Civic are $1,508 every 12 months with full coverage. Comprehensive costs on average $248, collision insurance costs $610, and liability costs around $470. Buying just liability costs as low as $536 a year, and insurance for high-risk drivers costs around $3,314. Teen drivers cost the most to insure at up to $5,826 a year.

Average premium for full coverage: $1,508

Policy rates by type of insurance:

Prices are based on $500 physical damage insurance deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and for different Civic trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on auto insurance rates. Rural areas are shown to have more infrequent collision claims than larger metro areas. The price range example below illustrates the difference between rural and urban areas on car insurance rates.

The examples above demonstrate why anyone shopping for car insurance should compare prices based on a specific location and their own driving history, instead of making a decision based on price averages.

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

More Rate Details

The chart below details average Honda Civic insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $855
• Using higher $1,000 deductibles will save around $194 annually
• The average price for a good driver age 40 with $500 deductibles is $1,508
• Choosing more expensive low deductibles for physical damage coverage increases the price to $1,894
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $3,314
• Policy cost to insure a 16-year-old driver with full coverage may cost $5,826 or more

View Chart as Image

Insurance rates for a Honda Civic also range considerably based on liability limits and deductibles, your driving record, and the trim level of your Civic.

Choosing high deductibles could cut rates by as much as $580 annually, while increasing your policy's liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $375 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may pay as low as $1,400 a year, or $117 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay upwards of $5,800 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at a minimum $1,800 to $2,500 extra every year, depending on your age. High-risk driver insurance can be from 43% to 132% more than average. View High Risk Driver Rates

Your home state has a huge impact on Honda Civic insurance prices. A driver around age 40 might see rates as low as $1,090 a year in states like New Hampshire, Ohio, and Utah, or as much as $2,030 on average in Florida, Michigan, and New York.

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 Shop for Affordable Honda Civic Insurance

Finding cheaper rates on insurance for a Honda Civic requires being a low-risk driver, having good credit, not filing small claims, and determing if full coverage is necessary. Set aside time to compare rates at every policy renewal by quoting rates from direct companies, and also from local exclusive and independent agents.

The items below are a brief review of the data covered above.

• Insureds who require more liability coverage will pay about $520 every year to increase from a 30/60 limit to a 250/500 level
• You may be able to save as much as $180 per year just by shopping early and online
• Increasing comprehensive and collision deductibles could save as much as $575 each year
• Teen drivers pay the highest rates, as much as $486 each month if they have full coverage

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.