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.

Estimated insurance rates for a Honda Civic are $1,508 a year including full coverage. Comprehensive costs an estimated $248 each year, collision costs $610, and liability is estimated at $470. A liability-only policy costs approximately $536 a year, with high-risk insurance costing around $3,314. 16-year-old drivers pay the most at $5,826 a year or more.

Average premium for full coverage: $1,508

Premium estimates broken down by type of coverage:

Prices are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and Civic models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on the price of auto insurance. More rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than congested cities.

The graphic below illustrates how location helps determine insurance prices.

These rate differences highlight why all drivers should get quotes for a targeted area and risk profile, instead of making a decision based on rate averages.

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

More Rate Information

The chart below breaks down estimated Honda Civic insurance rates for other coverage scenarios.

• The best full coverage rate is $855
• Choosing higher $1,000 deductibles can save approximately $194 every year
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,508
• Buying low deductibles for comp and collision coverage will increase the cost to $1,894
• Higher-risk drivers with multiple tickets or accidents could pay up to $3,314 or more
• An auto insurance policy for full coverage for a 16-year-old driver can cost as much as $5,826 each year

View Chart as Image

Auto insurance prices for a Honda Civic also have a wide range based on your driving characteristics, the model of your Civic, and liability limits and deductibles.

More mature drivers with a good driving record and high deductibles may pay as low as $1,400 annually on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay at least $5,800 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Honda Civic insurance prices. A good driver about age 40 could pay as low as $1,160 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,150 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can save as much as $580 annually, whereas increasing liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost up to $375 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying $1,800 to $2,500 in extra premium annually, depending on your age. Insurance for high-risk drivers ranges from 43% to 132% more than the average rate. View High Risk Driver Rates

With such a large range in prices, the best way to figure out which insurance company is cheapest is to do a rate comparison from multiple companies. Each auto insurer utilizes a different rate formula, and quoted prices will be substantially 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 Affordable Honda Civic Insurance

Finding better rates on insurance for a Honda Civic takes avoiding accidents and violations, having good credit, refrain from filing small claims, and qualifying for all possible discounts. Invest time comparing rates at every policy renewal by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The list below is a brief review of the data covered in the charts and tables above.

• Insureds who want higher liability limits will pay around $520 per year to raise limits from 30/60 bodily injury limits to 250/500 limits
• You may be able to save approximately $180 per year simply by quoting online in advance
• Increasing policy deductibles can save around $575 each year
• Teenagers are the costliest to insure, with the cost nearing $486 per month if they have full coverage

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.