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 auto insurance rates for a Honda Civic are $1,512 annually for full coverage. Comprehensive insurance costs on average $256 a year, collision costs $626, and liability is estimated at $450. A liability-only policy costs approximately $518 a year, with high-risk insurance costing $3,316 or more. Teenage drivers cost the most to insure at $5,808 a year or more.

Average premium for full coverage: $1,512

Policy rates by type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and Civic trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance rates. Rural areas are shown to have fewer accident claims than densely populated cities.

The diagram below illustrates how location impacts car insurance rates.

The examples above show why it is important to get quotes based on a specific location and their own personal driving habits, instead of using average rates.

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

More Rate Information

The chart below shows estimated Honda Civic insurance rates for different risk profiles and scenarios.

• The best discount rate is $857
• Choosing higher $1,000 deductibles can save around $1,314 a year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,512
• Using low $100 deductibles for comp and collision coverage costs an additional $396 every year
• Unlucky drivers who are prone to accidents and violations could pay upwards of $3,316 or more
• Policy cost with full coverage for a teen driver may cost $5,808 each year

View Chart as Image

Car insurance rates for a Honda Civic also range considerably based on the model year and trim level, your driver profile, and policy deductibles and limits.

Older drivers with no driving violations and high physical damage deductibles may pay as little as $1,400 annually on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged upwards of $5,800 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at a minimum $1,800 to $2,500 extra every year, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $600 every year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $358 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Honda Civic insurance prices. A good driver about age 40 could pay as low as $1,000 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,160 on average in Michigan, Louisiana, and New York.

View Chart as Image

Because rates have so much variability, the only way to know exactly what you will pay is to get quotes and see which company has the best rate. Each auto insurer uses a different method to calculate rates, so rate quotes will be varied between companies.

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 More Affordable Honda Civic Insurance

Finding cheaper rates on car insurance takes avoiding accidents and violations, having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Spend time shopping around every couple of years by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The list below is a summary of the material that was touched on above.

• Policyholders who require higher liability limits will pay an extra $500 each year to raise limits from a 30/60 limit to higher 250/500 limits
• Teenagers are expensive to insure, costing up to $484 each month if comprehensive and collision insurance is included
• Higher risk drivers who have multiple accidents or major violations may be required to pay an average of $1,800 more each year for car insurance
• Increasing comprehensive and collision deductibles could save up to $600 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.