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 rates for a Honda Civic are $1,508 a year for full coverage. Comprehensive insurance costs around $248 each year, collision costs $610, and liability insurance costs around $470. A policy with just liability insurance costs as low as $536 a year, with coverage for high-risk drivers costing $3,314 or more. Teenage drivers pay the highest rates at $5,826 a year or more.

Average premium for full coverage: $1,508

Price estimates for individual coverage:

Rates are based on $500 policy deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and Civic models.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on auto insurance rates. Areas with sparse population have a lower frequency of accident claims than densely populated cities.

The graphic below illustrates how your location can change auto insurance rates.

The ranges above show why all drivers should compare prices for a specific zip code and risk profile, rather than relying on 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 additional coverage choices and driver risks.

• The best discount rate is $855
• Using higher $1,000 deductibles will save about $194 a year
• The average rate for the average middle-age driver using $500 deductibles is $1,508
• Using low deductibles for physical damage coverage will cost an extra $386 a year
• Drivers who are prone to accidents and violations could pay at least $3,314 or more
• The price for full coverage for a teen driver can be $5,826 or more

View Chart as Image

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

More mature drivers with a clean driving record and high deductibles could pay as little as $1,400 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay as much as $5,800 a year. View Rates by Age

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 $990 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,150 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $580 each year, whereas increasing liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $375 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at least $1,800 to $2,500 extra each year, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 132% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the only way to know your exact price is to do a rate comparison from as many companies as possible. Each insurance company uses a different method to calculate prices, so the prices may be quite different 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 the Best Cheap Honda Civic Insurance

Getting lower rates on Honda Civic insurance requires being a good driver, maintaining good credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Invest the time to shop around every time your policy renews by quoting rates from direct carriers like Progressive and GEICO, and also from local insurance agents.

The following list is a quick review of the information illustrated above.

• Drivers can save up to $180 per year simply by quoting online in advance
• Drivers age 16 to 20 pay higher prices, with premiums as much as $486 a month for full coverage
• Increasing physical damage deductibles can save around $575 each year
• High-risk drivers with a DUI or reckless driving violation may be required to pay an average of $1,810 more every year than a safer driver
• Drivers who may need an increased level of liability coverage will pay an extra $520 each year to increase from a low 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.