How much does it cost to insure a 2005 Honda Civic Hatchback?
For a typical driver in 2025, insuring a 2005 Honda Civic Hatchback generally runs about $70–$130 per month for liability-only coverage and $110–$190 per month for full coverage in the United States. Prices vary widely by state, driver profile, and chosen coverage limits; older Civics are inexpensive to repair and insure compared with newer models, but the recent surge in auto insurance rates means location and personal risk factors still dominate what you’ll pay.
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What drivers typically pay in 2025
Auto insurance premiums have risen across many markets since 2023 due to higher repair costs, severe weather losses, and medical inflation. Even for a 2005 Civic Hatchback, which sits in a relatively low insurance-risk bracket, the final price depends on your driving record, mileage, and coverage choices.
Estimated ranges by region
Below are realistic 2025 ballpark ranges for a clean-record, mid-30s driver with average annual mileage and standard deductibles. Your rate can be higher or lower depending on your circumstances.
- United States: Liability-only $70–$130/month ($840–$1,560/yr); Full coverage $110–$190/month ($1,320–$2,280/yr)
- United Kingdom: Comprehensive typically £50–£100/month (£600–£1,200/yr), depending on postcode, NCD, and usage
- Canada: Liability-only CAD $75–$150/month; Full coverage CAD $100–$210/month, with Ontario and Alberta often higher than Quebec
- Australia: Comprehensive AUD $60–$100/month, with CTP/greenslip paid separately and varying by state
These are indicative ranges for a well-rated driver and modest annual mileage. Younger drivers, recent claims, urban postcodes, or higher-risk areas can push costs substantially higher.
What drives the price up or down
Insurers price a 2005 Civic Hatchback primarily on risk—both you as a driver and the car’s expected claim costs. The Civic’s age helps keep comprehensive and collision cheaper, but other factors can outweigh that benefit.
- Driver profile: Age, claims history, traffic violations, and insurance credit (where permitted) have major impact
- Location: Dense, high-claim, or theft-prone areas carry higher premiums
- Mileage and usage: Commuting long distances costs more than low-mileage or pleasure use
- Coverage selection: Liability-only is cheaper; adding collision/comp with lower deductibles raises costs
- Limits and deductibles: Higher liability limits cost more; higher deductibles can lower premiums
- Safety and anti-theft: Alarms, immobilizers, and secure parking can reduce rates
- Bundling and loyalty: Multi-policy and multi-car discounts often shave 5–20% off
Each variable compounds the others; a small change—like raising deductibles—can trim costs, while a recent at-fault accident can raise them for years.
Example scenarios for a 2005 Civic Hatchback
These illustrative scenarios show how common profiles translate into premiums in 2025. They are not quotes, but they reflect current market conditions for many drivers.
- U.S., age 37, clean record, suburban: Liability-only about $78/month; Full coverage about $138/month
- U.K., age 29, 5 years NCD, suburban: Comprehensive about £68/month (moderate excess)
- Canada (Ontario), age 45, clean record: Liability-only about CAD $110/month; Full coverage about CAD $165/month
- Australia (NSW), age 35, no claims 5+ years: Comprehensive about AUD $75/month (CTP separate)
- U.S., age 20, one speeding ticket, urban: Liability-only $140–$220/month; Full coverage $210–$330/month
Younger or higher-risk drivers often see the biggest swings; location and violations can double or triple what a mature, clean-record driver pays.
How to get an accurate quote
To pin down your price, gather a few details so carriers can rate your policy precisely and return comparable quotes.
- Vehicle info: VIN, current mileage, and any anti-theft or safety features
- Driver info: License numbers, driving history, and annual mileage estimates
- Coverage preferences: Liability limits, deductibles, and whether you want comp/collision
- Garaging and usage: Where the car is kept and how it’s used (commute vs. pleasure)
- Discounts: Proof of prior insurance, telematics enrollment, defensive driving certificates
Submitting the same data to at least three insurers—or using a reputable comparison site—helps you see true like-for-like pricing and spot outliers.
If your quotes are higher than expected, several practical levers can often bring the cost down without compromising essential protection.
- Adjust deductibles: Raising comp/collision deductibles can lower the premium on an older car
- Revisit coverage: Consider liability-only if the Civic’s market value is low and you can afford repairs
- Bundle policies: Combine home/renters with auto for a multi-policy discount
- Limit mileage: Low-mileage or telematics programs can yield sizable savings for light drivers
- Improve security: Use an immobilizer, steering lock, or secure off-street parking
- Shop at renewal: Re-quote annually; rates change frequently
- Keep a clean record: Avoid violations; complete an approved defensive driving course if eligible
Be sure any savings strategy still leaves you with liability limits that protect your assets and adequate medical coverage for your region.
Coverage choices for a 2005 Civic Hatchback
The right coverage level depends on your car’s value and your risk tolerance. Here’s how common options apply to an older Civic.
- Liability-only: Meets legal requirements; best if the car’s value is low and you can self-fund repairs
- Comprehensive: Protects against theft, vandalism, weather, and animal strikes; often inexpensive on older cars
- Collision: Pays for your car’s crash damage; compare premium cost to the Civic’s market value
- Uninsured/Underinsured motorist: Important in areas with many underinsured drivers
- Medical/Personal injury protection: Varies by country/state; consider healthcare and wage-loss needs
For many 2005 Civics, comprehensive can be good value due to theft/weather risks, while collision is a judgment call based on the car’s actual cash value.
Bottom line
Expect roughly $70–$130 per month for liability-only and $110–$190 per month for full coverage in the U.S. for a clean-record, mid-30s driver insuring a 2005 Honda Civic Hatchback, with similar proportional ranges in the U.K., Canada, and Australia. Your exact premium will hinge on location, driving history, mileage, and coverage choices—so compare at least three quotes and tailor cover to your needs.
Summary
The 2005 Civic Hatchback remains relatively affordable to insure in 2025, but elevated market-wide rates mean premiums vary sharply by region and driver profile. Typical U.S. costs cluster around $840–$1,560 per year for liability-only and $1,320–$2,280 for full coverage for a well-rated driver, with young or high-risk drivers paying more. Compare multiple quotes, consider higher deductibles or liability-only if appropriate, and leverage discounts to keep costs in check.
How much does it cost to insure a Honda Civic?
Honda Civic auto insurance cost, by state
| State name | Annual premium | Monthly premium |
|---|---|---|
| California | $2,981 | $248 |
| Colorado | $3,127 | $261 |
| Connecticut | $2,450 | $204 |
| Washington, D.C. | $2,965 | $247 |
Is $300 a month bad for insurance?
Is $300 a lot for car insurance? In many cases, the average monthly cost for coverage in California is well below $300. But remember, the amount you pay depends on a number of different factors. A 17-year-old, for example, could very well pay more than $300 per month largely because of her lack of driving experience.
Is insurance on older cars cheaper?
Do older cars cost more to insure? Your rates for comprehensive coverage or collision coverage on an older vehicle may be lower than what you’d pay for those same coverages on a newer car that’s worth more. That’s because you’d have less coverage (lower “coverage limits”) on an older car.
How much is car insurance for a 20 year old per month?
The average cost of car insurance for a 20-year-old driver is $300 per month or over $3,600 per year. This is substantially more than the national average across all age brackets — 20-year-old drivers pay $1,366 more every year compared to other young adult drivers in their 20s.
