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 auto insurance rates for a Honda Civic are $1,512 annually with full coverage. Comprehensive costs an estimated $256, collision insurance costs $626, and liability insurance costs around $450. A policy with just liability insurance costs as low as $518 a year, and coverage for high-risk drivers costs around $3,316. Teenage drivers pay the highest rates at up to $5,808 a year.

Average premium for full coverage: $1,512

Price estimates broken down by individual coverage:

Rate estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and for different Civic trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on car insurance rates. More rural locations have fewer collision claims than densely populated cities. The price range example below illustrates the effect of geographic area on insurance prices.

The ranges above demonstrate why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, rather than relying on average rates.

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

Additional Rate Information

The chart below details average Honda Civic insurance rates for other coverage scenarios.

• The best discount rate is $857
• Using higher $1,000 deductibles will save approximately $198 annually
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,512
• Using more expensive low deductibles for physical damage coverage will cost $1,908
• Drivers who are prone to accidents and violations could pay up to $3,316
• The price with full coverage for a teen driver with full coverage can cost as much as $5,808 or more

View Chart as Image

Insurance prices for a Honda Civic are also quite variable based on the trim level and model year, your driving record, and liability limits and deductibles.

An older driver with a clean driving record and high physical damage deductibles could pay as little as $1,400 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay at least $5,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out $1,800 to $2,500 extra each year, depending on your age. High-risk driver insurance can be anywhere from 43% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $600 each year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $358 more per year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Honda Civic insurance rates. A driver around age 40 might see prices as low as $1,090 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,040 on average in New York, Michigan, and Florida.

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 Buy the Best Honda Civic Insurance

Getting lower rates on Honda Civic insurance requires being a low-risk driver, having a good credit history, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Take the time to compare rates every other policy renewal by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The items below are a brief recap of the ideas that were covered in the above illustrations.

• Teen drivers are charged the highest prices, costing up to $484 a month including comprehensive and collision insurance
• High-risk drivers who tend to receive serious violations pay on average $1,800 more annually to insure their Civic
• Increasing physical damage deductibles could save up to $600 each year
• You may be able to save approximately $190 per year just by shopping early and online

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.