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.

U.S. average insurance prices for a Honda Civic are $1,512 every 12 months for full coverage. Comprehensive insurance costs around $256 a year, collision costs $626, and liability costs around $450. Buying just liability costs as low as $518 a year, with insurance for high-risk drivers costing $3,316 or more. Teen drivers pay the highest rates at $5,808 a year or more.

Average premium for full coverage: $1,512

Price estimates for individual coverage:

Prices include $500 deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all states and Civic trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on auto insurance rates. Areas with sparse population have more infrequent accident claims than larger metro areas.

The diagram below illustrates how rural and urban location affects auto insurance rates.

The ranges above show why it is important to compare prices for a specific zip code 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.

Additional Charts and Tables

The chart below shows estimated Honda Civic insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $857
• Using higher $1,000 deductibles will save about $1,314 a year
• The average price for the average middle-age driver using $500 deductibles is $1,512
• Choosing low $100 deductibles for physical damage coverage costs an extra $396 annually
• High-risk insureds with multiple violations and an at-fault accident could pay at least $3,316 or more
• The price to insure a 16-year-old driver can be $5,808 or more

View Chart as Image

Insurance prices for a Honda Civic are also quite variable based on deductibles and policy limits, your driver profile, and the trim level and model year.

Choosing high deductibles could cut prices by as much as $600 annually, while buying higher liability limits will increase prices. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $358 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as low as $1,400 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay as much as $5,800 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying at least $1,800 to $2,500 additional each year, depending on your age. A high-risk auto insurance policy can be from 43% to 132% more than average. View High Risk Driver Rates

The state you live in has a huge impact on Honda Civic insurance prices. A driver around age 40 might see prices as low as $1,000 a year in states like Idaho, Maine, and Iowa, or as much as $2,160 on average in Michigan, Louisiana, and New York.

View Chart as Image

Since prices can be so different, the only way to know your exact price is to get quotes from multiple companies. Each insurance company uses a different rate calculation, and prices may be quite different.

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 the Right Honda Civic Insurance

Getting lower rates on insurance for a Honda Civic requires not taking risks behind the wheel, having above-average credit, eliminating unnecessary coverage, and taking advantage of discounts. Set aside time to shop around at every policy renewal by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following is a quick rundown of the data raised in the charts and tables above.

• Insureds who may need higher liability limits will pay about $500 each year to increase from a low limit to a 250/500 level
• Drivers can save up to $190 per year simply by quoting early and online
• Increasing physical damage deductibles could save as much as $600 each year
• Teens are charged the highest prices, with premiums as much as $484 a month if full coverage is included

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.