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 auto insurance rates for a Honda Civic are $1,512 annually for full coverage insurance. Comprehensive insurance costs an estimated $256, collision costs $626, and liability is $450. Liability-only insurance costs around $518 a year, with high-risk driver insurance costing $3,316 or more. Teenage drivers cost the most to insure at $5,808 a year or more.

Average premium for full coverage: $1,512

Policy rates broken down by type of insurance:

These estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and for all Civic models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on the price of insurance. More rural locations are shown to have fewer physical damage claims than densely populated cities.

The example below illustrates how location helps determine insurance prices.

The examples above illustrate why everyone should compare rates quotes for a targeted area and their own personal driving habits, instead of using average rates.

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

Additional Rate Details

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

• The best discount rate is $857
• Raising to $1,000 deductibles will save approximately $198 each year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,512
• Using pricier low deductibles costs an additional $396 every year
• At-risk drivers who are prone to accidents and violations could pay up to $3,316 or more
• Policy cost with full coverage for a teen driver for full coverage can cost as much as $5,808

View Chart as Image

Auto insurance rates for a Honda Civic also range considerably based on the model year and trim level, your risk profile, and liability limits and deductibles.

A more mature driver with a good driving record and high physical damage deductibles may pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay at least $5,800 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying $1,800 to $2,500 in extra premium every year, depending on your age. Honda Civic insurance for high-risk drivers is expensive and can cost as much as 43% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $600 every year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $358 extra every year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Honda Civic insurance prices. A middle-age driver might find rates as low as $990 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,040 on average in Florida, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to regularly compare rates and see which company has the best rate. Every auto insurance company uses a different method to calculate rates, and quoted rates will be varied between companies.

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 cheaper rates on car insurance consists of being a safe and courteous driver, having above-average credit, being claim-free, and qualifying for all possible discounts. Invest time comparing rates every other policy renewal by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below is a brief summary of the ideas that were covered in the charts and tables above.

• Teenage drivers are the costliest to insure, possibly costing $484 each month if full coverage is included
• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,800 more annually for auto insurance
• Increasing comprehensive and collision deductibles could save up to $600 each year
• It is possible to save approximately $190 per year simply by quoting online well ahead of the renewal date

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.