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 rates for a Honda Civic are $1,508 a year including full coverage. Comprehensive costs approximately $248, collision costs $610, and liability insurance is $470. A liability-only policy costs around $536 a year, with high-risk insurance costing around $3,314. Teen drivers cost the most to insure at $5,826 a year or more.

Average premium for full coverage: $1,508

Policy rates by type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and for all Civic models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on car insurance prices. Rural locations are shown to have a lower frequency of comprehensive and collision claims than larger metro areas.

The example below illustrates how geographic area affects auto insurance prices.

The examples above highlight why everyone should compare rates quotes using their specific location and risk profile, rather than relying on price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $855
• Raising to $1,000 deductibles will save $194 every year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,508
• Choosing pricier low deductibles will increase the cost to $1,894
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $3,314 or more
• Policy cost for full coverage for a teen driver for full coverage can cost $5,826

View Chart as Image

Car insurance rates for a Honda Civic also range considerably based on your risk profile, the model of your Civic, and physical damage deductibles and liability limits.

A more mature driver with no driving violations and high deductibles could pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged in the ballpark of $5,800 a year. View Rates by Age

Your home state also has a big influence on Honda Civic insurance rates. A middle-age driver might find rates as low as $1,160 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,150 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles can reduce rates by up to $580 each year, whereas buying more liability protection will push rates upward. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $375 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying anywhere from $1,800 to $2,500 extra every year, depending on your age. Honda Civic insurance for high-risk drivers is expensive and can cost anywhere from 43% to 132% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to regularly compare rates from as many companies as possible. Every auto insurance company uses a different rate calculation, so rate quotes will be varied from one company to the next.

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 More Affordable Honda Civic Insurance

Finding cheaper rates on Honda Civic insurance consists of avoiding accidents and violations, having above-average credit, paying for small claims out-of-pocket, and avoiding coverage lapses. Invest the time to compare rates every time your policy renews by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The list below is a summary of the information presented in the illustrations above.

• You may be able to save around $180 per year simply by quoting online well ahead of the renewal date
• Teenagers pay the highest auto insurance rates, with premiums being up to $486 each month if full coverage is included
• Increasing comprehensive and collision deductibles can save around $575 each year
• High-risk drivers who have multiple accidents or major violations could be forced to pay on average $1,810 more per year for car insurance
• Drivers who purchase higher liability limits will pay about $520 per year to raise from a 30/60 limit to 250/500 limits

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.