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 rates for a Honda Civic are $1,508 a year for full coverage insurance. Comprehensive insurance costs approximately $248 a year, collision insurance costs $610, and liability costs $470. Buying just liability costs as little 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:

Rates are based on $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and Civic trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on the price of auto insurance. Rural locations tend to have lower incidents of physical damage claims than cities with more traffic congestion. The diagram below illustrates how where you live affects auto insurance prices.

These examples illustrate why it is important to compare rates using their specific location, instead of making a decision based on averaged prices.

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

Rates by State, City, and Model

The chart below illustrates average Honda Civic insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $855
• Drivers who choose higher $1,000 deductibles will pay $1,314 each year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,508
• Selecting low $100 deductibles for comprehensive and collision insurance will cost an additional $386 annually
• Drivers with serious driving violations could pay around $3,314
• The cost that insures a 16-year-old driver can cost $5,826 a year

View Chart as Image

Auto insurance rates for a Honda Civic can also vary considerably based on the trim level of your Civic, your age and driving record, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you are probably paying anywhere from $1,800 to $2,500 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost from 43% to 132% more than the average policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,400 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay in the ballpark of $5,800 a year. View Rates by Age

Where you live makes a big difference in Honda Civic insurance prices. A 40-year-old driver could pay as low as $990 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,030 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $580 annually, while buying higher liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $375 extra every year. View Rates by Deductible or Liability Limit

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 Find the Best Cheap Honda Civic Insurance

Saving money on insurance for a Honda Civic not only requires being a good driver, but also maintaining a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Compare rates every couple of years by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The following list is a quick review of the material that was touched on in the above illustrations.

• Insureds who purchase an increased level of liability coverage will pay approximately $520 annually to go from a minimum limit to the 250/500 level
• Drivers age 16 to 20 have the highest car insurance rates, costing up to $486 per month if the policy includes full coverage
• Drivers considered higher risk with a DUI or reckless driving violation could be charged and average of $1,810 more per year than a safer driver
• Increasing deductibles can save approximately $575 each year

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.