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 including full coverage. Comprehensive costs on average $248 a year, collision insurance costs $610, and liability costs around $470. Liability-only coverage costs as low as $536 a year, and high-risk coverage costs around $3,314. Teens pay the highest rates at up to $5,826 a year.

Average premium for full coverage: $1,508

Price estimates by individual coverage:

Full coverage includes $500 physical damage deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and Civic trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on car insurance rates. Rural areas have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how location helps determine car insurance rates.

The ranges above highlight why it is important to compare prices based on a specific location, instead of making a decision based on averaged prices.

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

Rate Comparisons

The chart below breaks down average Honda Civic insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $855
• Using higher $1,000 deductibles will save around $1,314 every year
• The estimated price for the average middle-age driver with $500 deductibles is $1,508
• Selecting low $100 deductibles for physical damage coverage bumps up the cost to $1,894
• High-risk insureds with serious driving violations could pay upwards of $3,314
• The price that insures a 16-year-old driver may cost $5,826 or more

View Chart as Image

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

If you have some driving violations or you caused an accident, you are likely paying at a minimum $1,800 to $2,500 in extra premium each year, depending on your age. A high-risk auto insurance policy can be from 43% to 132% more than the average policy. View High Risk Driver Rates

Older drivers 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 upwards of $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 $1,160 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,150 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $580 annually, while buying higher liability limits will cost you more. Changing 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 More Affordable Honda Civic Insurance

Getting lower rates on insurance for a Honda Civic requires being a safe and courteous driver, maintaining a good credit score, being claim-free, and deciding if full coverage is necessary. Compare rates at least every other year by quoting rates from direct car insurance companies, and also from insurance agencies where you live.

Below is a summary of the car insurance concepts covered in the charts and tables above.

• Drivers considered higher risk who have multiple accidents or major violations could be forced to pay on average $1,810 more each year for auto insurance
• You may be able to save as much as $180 per year just by quoting early and online
• Increasing physical damage deductibles can save approximately $575 each year
• Insureds who require higher levels of liability will pay approximately $520 per year to increase from a low limit to the 250/500 level

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.