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.

Average insurance prices for a Honda Civic are $1,508 every 12 months including full coverage. Comprehensive costs around $248 each year, collision insurance costs $610, and liability insurance costs around $470. A liability-only policy costs as low as $536 a year, and high-risk insurance costs around $3,314. Teenage drivers receive the highest rates at up to $5,826 a year.

Average premium for full coverage: $1,508

Rate estimates for individual coverage type:

Prices are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and Civic models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on the price of insurance. Areas with sparse population tend to have more infrequent comprehensive and collision claims than densely populated cities. The graphic below illustrates how geographic area affects auto insurance rates.

These examples highlight why all drivers should compare prices for a specific zip code and their own driving history, rather than relying on average rates.

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

Rate Comparisons

The chart below breaks down average 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 every year
• The average price for a 40-year-old driver using $500 deductibles is $1,508
• Using low deductibles for physical damage coverage increases the price to $1,894
• Drivers who are prone to accidents and violations could pay at least $3,314
• The cost to insure a teen driver can be $5,826 or more

View Chart as Image

Insurance rates for a Honda Civic can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level and model year.

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

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

If you like to drive fast or you were responsible for an accident, you are likely paying at least $1,800 to $2,500 extra per 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

Where you live has a huge impact on Honda Civic insurance rates. A driver around age 40 might see rates as low as $1,160 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,150 on average in Michigan, New York, and Louisiana.

View Chart as Image

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 Shop for Affordable Honda Civic Insurance

Saving money on Honda Civic insurance requires being a good driver, having good credit, not filing small claims, and dropping full coverage on older vehicles. Invest the time to compare rates every other policy renewal by quoting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following list is a brief review of the ideas that were presented in the illustrations above.

• Drivers age 16 to 20 pay higher rates, as much as $486 per month if they have full coverage
• High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,810 more every year than a safer driver
• Increasing deductibles could save as much as $575 each year
• You may be able to save up to $180 per year just by quoting online in advance

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.