Compare Honda Civic Insurance Quotes [Rates + Comparison Guide]

Honda Civic insurance rates are $128/mo or $1,536/yr, which is around $17 more per year than other cars. For teenage drivers, Honda Civic insurance rates are the highest at $468/mo or $5,614/yr. Comprehensive, collision, and liability coverage for Honda Civic insurance costs around $31/mo or $374/yr, $45.50/mo or $546/yr, and $36/mo or $433/yr, respectively.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 2020

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Key takeaways:

  • Full coverage costs around $1,536 a year or $128 each month
  • A liability-only policy costs around $616 a year or $51 each month
  • Highest rates are for teenage drivers at around $5,614 a year or $468 each month
  • Good drivers can save as much as $633 a year by earning policy discounts
  • Honda Civic insurance costs around $17 more per year than the average vehicle

Honda Civic insurance rates are slightly more per year than the average vehicle in the country, owing in part to the fact that the Civic is the most-stolen car in the country. Full coverage costs about $1,536 a year or $128 a month, though older Civics can get away with liability-only which costs about $616 a year or $51 a month.

Good drivers are eligible for up to $633 a year in policy discounts by practicing safe driving habits. Let’s look at Honda Civic insurance rates, safety ratings, and more.

You can start comparing quotes for Honda Civic car insurance rates from some of the best car insurance companies by using our free online tool now.

Honda Civic Insurance Cost

The average Honda Civic auto insurance costs are $1,536 a year or $128 a month.

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Are Honda Civics Expensive to Insure?

The chart below details how Honda Civic insurance rates compare to other sedans like the Subaru Impreza, Hyundai Elantra, and Nissan Versa.

Vehicle Comprehensive Collision Liability Total
Honda Civic $280 $656 $420 $1,536
Subaru Impreza $320 $542 $390 $1,410
Hyundai Elantra $280 $562 $372 $1,372
Nissan Versa $268 $542 $390 $1,358
Ford Taurus $344 $596 $398 $1,496
Lincoln MKZ $320 $686 $450 $1,636
Chevrolet Malibu $322 $532 $372 $1,384
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However, there are a few things you can do to find the cheapest Honda insurance rates online.

What Impacts the Cost of Honda Civic Insurance?

The Honda Civic trim and model you choose can impact the total price you will pay for Honda Civic insurance coverage.

Age of the Vehicle

The average Honda Civic auto insurance rates are higher for newer models. For example, auto insurance for a 2020 Honda Civic costs $1,536, while 2010 Honda Civic insurance costs are $1,266, a difference of $270.

Model Year Comprehensive Collision Liability Total
2020 Honda Civic $280 $656 $420 $1,536
2019 Honda Civic $268 $630 $440 $1,518
2018 Honda Civic $256 $626 $450 $1,512
2017 Honda Civic $248 $610 $470 $1,508
2016 Honda Civic $240 $586 $486 $1,492
2015 Honda Civic $226 $564 $500 $1,470
2014 Honda Civic $218 $524 $510 $1,432
2013 Honda Civic $208 $494 $514 $1,396
2012 Honda Civic $200 $442 $520 $1,342
2011 Honda Civic $188 $408 $520 $1,296
2010 Honda Civic $180 $382 $524 $1,266
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Driver Age

Driver age can have a significant effect on Honda Civic car insurance rates. For example, 20-year-old drivers pay $1,878 more for their Honda Civic car insurance each year than 30-year-old drivers.

Driver Location

Where you live can have a large impact on Honda Civic insurance rates. For example, drivers in Los Angeles may pay $1,321 a year more than drivers in Indianapolis.

Your Driving Record

Your driving record can have an impact on the cost of Honda Civic car insurance. Teens and drivers in their 20’s see the highest jump in their Honda Civic car insurance rates with violations on their driving record.

Honda Civic Safety Ratings

Your Honda Civic auto insurance rates are tied to the Honda Civic’s safety ratings. See the breakdown below:

Test Type Rating
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
Source: Insurance Institute for Highway Safety
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Honda Civic Crash Test Ratings

Good Honda Civic crash test ratings can lower your Honda Civic auto insurance rates. See Honda Civic crash test results below:

Vehicle Tested Overall Frontal Side Rollover
2018 Honda Civic Type R 5 HB FWD N/R N/R 5 stars 5 stars
2018 Honda Civic Si 4 DR FWD 5 stars 5 stars 5 stars 5 stars
2018 Honda Civic Si 2 DR FWD 5 stars 4 stars 5 stars 5 stars
2018 Honda Civic 5 HB FWD 5 stars 5 stars 5 stars 5 stars
2018 Honda Civic 4 DR FWD 5 stars 5 stars 5 stars 5 stars
2018 Honda Civic 2 DR FWD 5 stars 4 stars 5 stars 5 stars
2017 Honda Civic Type R 5 HB FWD N/R N/R 5 stars 5 stars
2017 Honda Civic Si 4 DR FWD 5 stars 5 stars 5 stars 5 stars
2017 Honda Civic Si 2 DR FWD 5 stars 4 stars 5 stars 5 stars
2017 Honda Civic 5 HB FWD 5 stars 5 stars 5 stars 5 stars
2017 Honda Civic 4 DR FWD 5 stars 5 stars 5 stars 5 stars
2017 Honda Civic 2 DR FWD 5 stars 4 stars 5 stars 5 stars
2016 Honda Civic 4 DR FWD 5 stars 5 stars 5 stars 5 stars
2016 Honda Civic 2 DR FWD 5 stars 4 stars 5 stars 5 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Honda Civic Safety Features

Honda Civic safety features can lower the cost of your insurance. The safety features for the 2020 Honda Civic include:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Traction Control
  • Lane Departure Warning
  • Lane Keeping Assist

Honda Civic Insurance Loss Probability

Another contributing factor that plays a direct role in Honda Civic insurance rates is the loss probability for each type of coverage.

Insurance Coverage Category Loss Rate
Collision -8%
Property Damage 5%
Comprehensive -32%
Personal Injury 27%
Medical Payment 35%
Bodily Injury 21%
Source: Insurance Institute for Highway Safety
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Honda Civic Finance and Insurance Cost

If you are financing a Honda Civic, you will pay more if you purchase Honda Civic auto insurance at the dealership, so be sure to shop around and compare Honda Civic auto insurance quotes from the best companies using our FREE tool below.

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Ways to Save on Honda Civic Insurance

Drivers can end up saving more money on their Honda Civic car insurance rates by employing any one of the following strategies.

  • Ask About Discounts for People with Disabilities
  • Provide Your Honda Civic VIN When Requesting Honda Civic Auto Insurance Quotes
  • Ask for a New Honda Civic Auto Insurance Rate Based on Your Improved Credit Score
  • Move to an Area with a Lower Cost of Living
  • Spy on Your Teen Driver

Top Honda Civic Insurance Companies

The best auto insurance companies for Honda Civic car insurance rates will offer competitive rates, discounts, and account for the Honda Civic’s safety features. The following list of car insurance companies outlines which companies hold the highest market share.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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Honda Civic Insurance: Our Answer

Whats the insurance for a 17 year old in Florida buying a 2009 honda civic 2-door coupe?

The Honda Civic has been one of the best-selling cars in the United States since the 1990s. Every week, we get thousands of quote requests from insurance shoppers looking for the best car insurance for their Honda Civic.

So what is the best car insurance for a Honda Civic? That depends on your unique demographic needs, the year of your Honda Civic, the mileage of the vehicle, and your location.

You say you’re a 17-year old in Florida buying a 2009 Honda Civic 2-Door Coupe. A 17-year old is always going to pay higher insurance prices than an older, more experienced driver. Even if you’re the world’s best driver, the insurance company has only 1 or 2 years of driving history to verify your safe driving habits. Studies also show that teenagers get into significantly more car accidents than drivers in any other age bracket. Teenage males have a particularly high claims rate, while teenage females have slightly lower claims rates.

Fortunately, there are certain things working in your favor. You’re buying a 2009 Honda Civic. Presumably, most 2009 Honda Civics will have at least 100,000 to 150,000 miles at this point in their lifespan, assuming they’ve been driven regularly. This lowers the value of the vehicle, which means your insurance company will pay less in the event of an accident. That means lower car insurance premiums.

One of the smartest things you can do to reduce car insurance premiums as a teenage driver is to buy an older vehicle – which is what you did. Good job!

On an older vehicle, you can reduce car insurance costs even further by dropping comprehensive coverage and collision coverage. This can cut car insurance prices by 50% or more. By dropping collision and comprehensive coverage from your policy, you’re telling your insurance company that you will pay for damage to your own vehicle out of pocket. Without comprehensive and collision coverage, your car insurance policy will not cover damage to your own vehicle; it only covers damage to other people and properties (through liability coverage, which is legally required in Florida).

Now, let’s talk about your state. Drivers in Florida pay some of the highest premiums in America for car insurance. However, Florida also has different minimum liability requirements than other states. Florida is one of the few states that is considered no-fault, for example, which is why drivers are required to have personal injury protection (PIP) coverage. As a Florida driver, you are required to hold $10,000 in personal injury protection coverage at all times.

Ultimately, it’s up to you to decide how much car insurance you need to carry on your 2009 Honda Civic in Florida. Some Florida drivers are more cautious, choosing to carry $300,000 to $1 million of liability coverage at all times. Others are okay with absorbing more risk, choosing to carry the bare minimum level of car insurance coverage.

Honda Civic Car Insurance Discounts

As a 17-year old driver in Florida, you might be eligible for something like a good grades discount. If you maintain a grade average of B+ or higher, then you might get a discount of 10% to 15% off your car insurance.

Many insurance companies in Florida also offer a discount to drivers who have taken a driver’s education class or a defensive driving course. This can reduce car insurance premiums by 10% to 15%.

As you get older, you might eventually become eligible for a safe driving discount. If you have never been in an accident, then you might qualify for a safe driving discount in as little as 3 to 5 years of safe driving. Some insurance companies also offer a claims-free discount for drivers who have never made a claim.

As you get older, you might have multiple insurance policies – like an insurance policy for a separate car or a renter’s insurance policy for your possessions in a rental property. In this case, you can bundle multiple insurance policies together with the same company to enjoy steep insurance discounts.

As a 17-year old driver in Florida, you will inevitably pay higher rates than most drivers in the country. However, with a relatively old vehicle like a 2009 Honda Civic, you will likely pay lower insurance premiums than many other drivers in your situation. Compare car insurance quotes today to find the best Honda Civic insurance in Florida.

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Other Answers

Answer 1

Hi Don,
Glad you found us.
To answer your question, you have to first understand that each company has their own set of metrics that they use to determine insurance rates. For you, you are a new driver and a male, so you are deemed to be “high risk.” Your insurance rates will naturally be higher than say a 42 year old man who has been driving for 20+ years and has never had an accident.

Lucky for you, the 2009 Honda Civic has great safety ratings. Unfortunately, you will be driving a 2 door coupe, which is often times seen as a “sports car”. Your liability rates will most likely be higher for this car than if you bought just a normal Toyota Camry, or something similar. Try and get as many safety features installed in your vehicle as possible in order to get the most discounts.

As for the “estimate” you wanted, nobody can tell you for sure. Your best bet is to search online for quotes. Use the form at the top of this page to begin.

Answer 2

If you need insurance policy then there are lots of insurance companies in the market but there are lots of conditions that can be fulfill by you as your car is very old.

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