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Honda Civic DX 4-Dr Sedan Insurance Rates

Estimated insurance rates for a Honda Civic DX 4-Dr Sedan are $1,306 a year including full coverage. Comprehensive insurance costs approximately $244 a year, collision insurance costs $540, and liability costs around $364. A policy with only liability insurance costs as low as $430 a year, and a high-risk policy costs $2,846 or more. Teenage drivers pay the most at up to $4,944 a year.

Annual premium for full coverage: $1,306

Premium estimates by individual coverage type:

Comprehensive $244
Collision $540
Liability $364

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Honda Civic Trim Level

For a driver in their 40's, insurance rates for a Honda Civic DX 4-Dr Sedan range from the low end price of $430 for just liability coverage to a high of $2,846 for a driver who has had serious violations or accidents.

Liability Only $430
Full Coverage $1,306
High Risk $2,846

These rate differences highlight why it is important for drivers to compare prices using their specific location, instead of using average rates.

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Car insurance rates for a Honda Civic DX 4-Dr Sedan also have a wide range based on the model year of your Civic, your driving record and age, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you are likely paying anywhere from $1,600 to $2,200 extra annually, depending on your age. A high-risk auto insurance policy can be as much as 44% to 137% more than a normal policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged in the ballpark of $4,900 a year. View Rates by Age

Where you choose to live has a huge impact on Honda Civic DX 4-Dr Sedan insurance prices. A driver around age 40 might see prices as low as $1,060 a year in states like North Carolina, Indiana, and , or be forced to pay as much as $1,950 on average in Louisiana, Montana, and Michigan. Rates by state and city are shown later in the article.

Using high physical damage deductibles could cut prices by as much as $530 every year, while buying higher liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $327 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range of prices, the best way to figure out which insurance company is cheapest is to get quotes and see which company has the best price. Each insurance company uses a different method to calculate prices, so rate quotes will be substantially different.

View Chart as Image

Honda Civic DX 4-Dr Sedan insurance cost comparison chart
Column chart showing Honda Civic DX 4-Dr Sedan insurance prices range from $746 to $4,944 for full coverage

The chart above shows average Honda Civic DX 4-Dr Sedan insurance prices for various risks and coverage choices. The best price after discounts is $746. Drivers who use higher $1,000 deductibles will pay $1,128. The average price for a middle-aged driver with a clean driving record using $500 deductibles is $1,306. Choosing low $100 deductibles for collision and other-than-collision coverage could cost up to $1,656. Drivers with multiple violations and accidents could be charged up to $2,846. The cost for full coverage for a teenager can be as high as $4,944.

Honda Civic DX 4-Dr Sedan Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,180-$126-9.6%
Alaska$1,000-$306-23.4%
Arizona$1,084-$222-17.0%
Arkansas$1,306-$00.0%
California$1,488$18213.9%
Colorado$1,248-$58-4.4%
Connecticut$1,342$362.8%
Delaware$1,478$17213.2%
Florida$1,632$32625.0%
Georgia$1,204-$102-7.8%
Hawaii$938-$368-28.2%
Idaho$882-$424-32.5%
Illinois$972-$334-25.6%
Indiana$984-$322-24.7%
Iowa$880-$426-32.6%
Kansas$1,240-$66-5.1%
Kentucky$1,780$47436.3%
Louisiana$1,932$62647.9%
Maine$806-$500-38.3%
Maryland$1,076-$230-17.6%
Massachusetts$1,044-$262-20.1%
Michigan$2,268$96273.7%
Minnesota$1,092-$214-16.4%
Mississippi$1,564$25819.8%
Missouri$1,158-$148-11.3%
Montana$1,402$967.4%
Nebraska$1,030-$276-21.1%
Nevada$1,566$26019.9%
New Hampshire$942-$364-27.9%
New Jersey$1,460$15411.8%
New Mexico$1,156-$150-11.5%
New York$1,374$685.2%
North Carolina$752-$554-42.4%
North Dakota$1,070-$236-18.1%
Ohio$900-$406-31.1%
Oklahoma$1,342$362.8%
Oregon$1,194-$112-8.6%
Pennsylvania$1,244-$62-4.7%
Rhode Island$1,740$43433.2%
South Carolina$1,182-$124-9.5%
South Dakota$1,102-$204-15.6%
Tennessee$1,142-$164-12.6%
Texas$1,572$26620.4%
Utah$968-$338-25.9%
Vermont$892-$414-31.7%
Virginia$782-$524-40.1%
Washington$1,008-$298-22.8%
West Virginia$1,196-$110-8.4%
Wisconsin$904-$402-30.8%
Wyoming$1,162-$144-11.0%

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Honda Civic DX 4-Dr Sedan insurance rates by U.S. city

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Rates by Driver Age

Honda Civic DX 4-Dr Sedan Insurance Rates by Driver Age
Driver AgePremium
16$4,944
20$3,060
30$1,360
40$1,306
50$1,192
60$1,172

Full coverage, $500 deductibles

Rates by Deductible

Honda Civic DX 4-Dr Sedan Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,656
$250$1,492
$500$1,306
$1,000$1,128

Full coverage, driver age 40

Rates by Liability Limit

Honda Civic DX 4-Dr Sedan Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,306
50/100$1,379
100/300$1,470
250/500$1,706
100 CSL$1,415
300 CSL$1,615
500 CSL$1,761

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Civic DX 4-Dr Sedan Insurance Rates for High Risk Drivers
AgePremium
16$7,052
20$4,870
30$2,908
40$2,846
50$2,720
60$2,696

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $186

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

DiscountSavings
Multi-policy$69
Multi-vehicle$69
Homeowner$19
5-yr Accident Free$99
5-yr Claim Free$85
Paid in Full/EFT$61
Advance Quote$66
Online Quote$92
Total Discounts$560
Rate after discounts $746

Discounts are estimated and may not be available from every company or in every state.

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