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 prices for a Honda Civic are $1,508 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $248 a year, collision costs $610, and liability coverage costs around $470. A liability-only policy costs as low as $536 a year, with high-risk insurance costing $3,314 or more. 16-year-old 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:

Prices include $500 physical damage insurance deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and Civic trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than congested cities.

The diagram below illustrates how location impacts auto insurance prices.

The examples above illustrate why it is important to compare prices using their specific location and their own driving history, rather than using rate averages.

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

Additional Rate Details

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

• The best full coverage rate is $855
• Using higher $1,000 deductibles will save $1,314 each year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,508
• Buying low $100 deductibles for physical damage coverage costs an extra $386 each year
• Higher-risk drivers with multiple tickets or accidents could pay around $3,314 or more
• Policy cost to insure a teenage driver can cost $5,826 or more

View Chart as Image

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

Opting for high physical damage deductibles could cut rates by as much as $580 a year, while buying higher liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $375 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may only pay around $1,400 a year, or $117 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged in the ballpark of $5,800 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying anywhere from $1,800 to $2,500 extra every year, depending on your age. A high-risk auto insurance policy can be around 43% to 132% more than the average rate. View High Risk Driver Rates

Your home state has a huge impact on Honda Civic insurance rates. A driver around age 40 might see rates as low as $990 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,030 on average in Florida, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to get quotes and see how they stack up. Each insurance company utilizes a different rate formula, so rate quotes will be varied.

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

Finding cheaper rates on auto insurance requires being a low-risk driver, maintaining a good credit score, being claim-free, and avoiding coverage lapses. Spend time shopping around every couple of years by requesting quotes from direct insurance companies, and also from local insurance agencies.

The items below are a quick rundown of the material that was touched on above.

• Consumers who purchase more liability coverage will pay around $520 annually to increase from a 30/60 limit to a 250/500 level
• Teen drivers pay the highest auto insurance rates, possibly costing $486 each month if the policy includes full coverage
• Drivers with reckless driving or DUI convictions may have to pay on average $1,810 more per year to insure their Civic
• Increasing comprehensive and collision deductibles could save as much as $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.