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 $1,296 a year including full coverage. Comprehensive insurance costs around $188, collision insurance costs $408, and liability coverage costs $520. A policy with just liability insurance costs as little as $576 a year, and coverage for high-risk drivers costs $2,828 or more. Teen drivers pay the highest rates at up to $5,174 a year.

Average premium for full coverage: $1,296

Price estimates for individual coverage:

Estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and for all Civic models.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on the price of insurance. Areas with sparse population have a lower frequency of comprehensive and collision claims than larger metro areas. The example below illustrates how location impacts auto insurance rates.

The ranges above highlight why everyone should compare rates for a specific zip code and risk profile, rather than using price averages.

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

More Rate Information

The chart below breaks down average Honda Civic insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $756
• Drivers who choose higher $1,000 deductibles will pay about $136 every year
• The average rate for the average middle-age driver using $500 deductibles is $1,296
• Choosing pricier low deductibles for comprehensive and collision insurance will cost an extra $262 each year
• High-risk insureds with multiple violations and an at-fault accident could pay at least $2,828
• The price for full coverage for a teenage driver for full coverage can be $5,174 a year

View Chart as Image

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

A more mature driver with a clean driving record and high deductibles may only pay around $1,200 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay as much as $5,100 a year. View Rates by Age

The state you live in makes a big difference in Honda Civic insurance rates. A 40-year-old driver could pay as low as $990 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,840 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles could save up to $400 a year, whereas buying more liability protection will increase prices. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $414 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying at least $1,600 to $2,200 extra each year, depending on your age. Honda Civic insurance for high-risk drivers can cost around 43% to 137% more than average. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

Rates assume 2015 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 auto insurance not only requires having a decent driving record, but also maintaining good credit, being claim-free, and dropping full coverage on older vehicles. Spend time shopping around at least once a year by getting quotes from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.

The following items are a review of the primary concepts that were touched on above.

• You may be able to save up to $150 per year just by quoting online well ahead of the renewal date
• Drivers who have several accidents or serious violations pay on average $1,530 more every year than a driver with a clean driving record
• Increasing physical damage deductibles can save around $400 each year
• 16 to 18-year-old drivers pay higher prices, possibly costing $431 a month for 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.