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 $1,508 every 12 months for full coverage. Comprehensive insurance costs on average $248 a year, 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 $3,314 or more. Teens receive the highest rates at up to $5,826 a year.

Average premium for full coverage: $1,508

Rate estimates by individual coverage type:

Full coverage includes $500 physical damage insurance deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all states and Civic trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on car insurance rates. Rural areas tend to have more infrequent accident claims than cities with more traffic congestion. The diagram below illustrates the difference between rural and urban areas on car insurance rates.

These examples show why it is important to compare prices based on a specific location and their own driving history, instead of making a decision based on averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $855
• Using higher $1,000 deductibles will save around $1,314 a year
• The average price for a 40-year-old driver with $500 deductibles is $1,508
• Selecting low $100 deductibles for physical damage coverage costs an extra $386 annually
• High-risk insureds with serious driving violations could pay upwards of $3,314
• The cost to insure a 16-year-old driver may cost $5,826 or more

View Chart as Image

Auto insurance rates for a Honda Civic can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level of your Civic.

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $580 annually, while buying higher liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $375 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may pay as low as $1,400 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay upwards 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 at a minimum $1,800 to $2,500 in extra premium per year, depending on your age. A high-risk auto insurance policy can be from 43% to 132% more than the average policy. View High Risk Driver Rates

Where you live has a huge impact on Honda Civic insurance prices. A driver around age 40 might see rates as low as $990 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,150 on average in Michigan, Louisiana, 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 More Affordable Honda Civic Insurance

Saving money on insurance for a Honda Civic requires being a low-risk driver, having a good credit score, eliminating unneeded coverage, and deciding if full coverage is necessary. Set aside time to compare rates once a year by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The items below are a summary of the data that was covered above.

• Drivers can save as much as $180 per year just by quoting early and online
• Insureds who require more liability coverage will pay approximately $520 each year to increase from a minimum limit to a 250/500 level
• Teen drivers are charged the highest rates, costing as high as $486 per month if comprehensive and collision insurance is included
• Drivers considered higher risk who have multiple accidents or major violations pay an average of $1,810 more each year to insure their Civic

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.