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 an estimated $248, collision insurance costs $610, and liability costs around $470. Liability-only coverage costs as low as $536 a year, and high-risk coverage costs $3,314 or more. Teenage drivers pay the highest rates at up to $5,826 a year.

Average premium for full coverage: $1,508

Price estimates broken down by individual coverage:

Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all states and for all Civic models.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on insurance rates. More rural locations have lower incidents of accident claims than densely populated cities. The example below illustrates the difference between rural and urban areas on insurance prices.

The ranges above show why everyone should compare prices for a targeted area, instead of making a decision based on average rates.

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

Additional Charts and Tables

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

• The best discount rate is $855
• Using higher $1,000 deductibles will save approximately $194 a year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,508
• Using pricier low deductibles for physical damage coverage will cost an additional $386 annually
• High-risk insureds who are prone to accidents and violations could pay up to $3,314
• The price that insures a 16-year-old driver for full coverage can cost as much as $5,826 or more

View Chart as Image

Auto insurance prices for a Honda Civic are also quite variable based on the model of your Civic, how you drive, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you could be paying $1,800 to $2,500 in extra premium each year, depending on your age. Honda Civic insurance for high-risk drivers can be from 43% to 132% more than a normal policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,400 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay at least $5,800 a year. View Rates by Age

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

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $580 annually, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $375 extra every year. View Rates by Deductible or Liability Limit

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 Low Cost Honda Civic Insurance

Getting lower rates on insurance for a Honda Civic requires being safe and accident-free, maintaining a good credit score, eliminating unnecessary coverage, and consideration of higher deductibles. Compare prices every other policy renewal by getting rate quotes from direct carriers, and also from your local independent and exclusive agents.

Below you'll find a review of the ideas that were covered above.

• Youthful drivers are the costliest to insure, with premiums as much as $486 a month if the policy includes full coverage
• Drivers considered higher risk who have several accidents or serious violations may pay on average $1,810 more annually than a low-risk driver
• Increasing physical damage deductibles can save approximately $575 each year
• Drivers can save approximately $180 per year just by quoting online well ahead of the renewal date

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.