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Honda Civic EX 4-Dr Sedan Insurance Rates

U.S. average insurance rates for a Honda Civic EX 4-Dr Sedan are $1,358 a year with full coverage. Comprehensive insurance costs an estimated $258 each year, collision costs $602, and liability costs around $346. Buying just liability costs as low as $410 a year, with insurance for high-risk drivers costing $2,968 or more. Teenage drivers pay the highest rates at $5,088 a year or more.

Annual premium for full coverage: $1,358

Price estimates broken down by individual coverage:

Comprehensive $258
Collision $602
Liability $346

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 40-year-old driver, Honda Civic EX 4-Dr Sedan insurance prices go from as low as $410 for minimum levels of liability insurance to a high rate of $2,968 for high-risk insurance.

Liability Only $410
Full Coverage $1,358
High Risk $2,968

These price ranges demonstrate why all drivers should compare prices for a targeted area and risk profile, instead of making a decision based on average rates.

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Insurance prices for a Honda Civic EX 4-Dr Sedan are also quite variable based on your driving record, the actual cash value of your Civic, and liability limits and deductibles.

More mature drivers with no violations or accidents and high deductibles may pay as low as $1,300 a year for full coverage. Rates are much higher for teenage drivers, where even good drivers should be prepared to pay at least $5,000 a year. View Rates by Age

The state you live in has a huge impact on Honda Civic EX 4-Dr Sedan insurance prices. A driver around age 40 might see rates as low as $920 a year in states like Vermont, Ohio, and Indiana, or be forced to pay as much as $1,620 on average in Montana, Michigan, and New Jersey. Rates by state and city are shown later in the article.

Using high physical damage deductibles could cut rates by as much as $580 annually, whereas increasing liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will increase rates by as much as $312 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out $1,600 to $2,200 additional each year, depending on your age. Insurance for high-risk drivers can be from 43% to 131% more than a normal policy. View High Risk Driver Rates

Since rates can be so different, the best way to find out who has the cheapest auto insurance rates is to do a rate comparison from multiple companies. Each insurance company uses a different method to calculate rates, and rates may be quite different from one company to the next.

View Chart as Image

Honda Civic EX 4-Dr Sedan insurance cost comparison chart
Column chart showing Honda Civic EX 4-Dr Sedan insurance prices range from $766 to $5,088 for full coverage

The chart above shows Honda Civic EX 4-Dr Sedan insurance rates for different risk profiles and scenarios. The cheapest discount rate is $766. Drivers who use higher $1,000 deductibles will pay around $1,164. The average rate for a driver around age 40 using $500 deductibles is $1,358. Using lower $100 deductibles for comp and collision coverage could cost up to $1,742. Drivers with multiple violations and accidents could be charged at least $2,968. The policy rate for full coverage for a teenage driver can be as high as $5,088.

Honda Civic EX 4-Dr Sedan Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,304-$54-4.0%
Alaska$1,114-$244-18.0%
Arizona$1,362$40.3%
Arkansas$1,374$161.2%
California$1,524$16612.2%
Colorado$1,408$503.7%
Connecticut$1,776$41830.8%
Delaware$1,650$29221.5%
Florida$1,832$47434.9%
Georgia$1,346-$12-0.9%
Hawaii$1,464$1067.8%
Idaho$944-$414-30.5%
Illinois$1,008-$350-25.8%
Indiana$966-$392-28.9%
Iowa$1,020-$338-24.9%
Kansas$1,246-$112-8.2%
Kentucky$1,758$40029.5%
Louisiana$2,200$84262.0%
Maine$928-$430-31.7%
Maryland$1,394$362.7%
Massachusetts$1,194-$164-12.1%
Michigan$2,494$1,13683.7%
Minnesota$1,192-$166-12.2%
Mississippi$1,328-$30-2.2%
Missouri$1,156-$202-14.9%
Montana$1,230-$128-9.4%
Nebraska$1,116-$242-17.8%
Nevada$1,752$39429.0%
New Hampshire$1,108-$250-18.4%
New Jersey$1,350-$8-0.6%
New Mexico$1,258-$100-7.4%
New York$1,766$40830.0%
North Carolina$962-$396-29.2%
North Dakota$1,318-$40-2.9%
Ohio$956-$402-29.6%
Oklahoma$1,648$29021.4%
Oregon$1,270-$88-6.5%
Pennsylvania$1,528$17012.5%
Rhode Island$1,646$28821.2%
South Carolina$1,264-$94-6.9%
South Dakota$1,062-$296-21.8%
Tennessee$1,220-$138-10.2%
Texas$1,304-$54-4.0%
Utah$1,202-$156-11.5%
Vermont$966-$392-28.9%
Virginia$976-$382-28.1%
Washington$1,194-$164-12.1%
West Virginia$1,382$241.8%
Wisconsin$1,382$241.8%
Wyoming$1,498$14010.3%

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

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Rates by Driver Age

Honda Civic EX 4-Dr Sedan Insurance Rates by Driver Age
Driver AgePremium
16$5,088
20$3,194
30$1,420
40$1,358
50$1,238
60$1,220

Full coverage, $500 deductibles

Rates by Deductible

Honda Civic EX 4-Dr Sedan Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,742
$250$1,562
$500$1,358
$1,000$1,164

Full coverage, driver age 40

Rates by Liability Limit

Honda Civic EX 4-Dr Sedan Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,358
50/100$1,427
100/300$1,514
250/500$1,739
100 CSL$1,462
300 CSL$1,652
500 CSL$1,791

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Civic EX 4-Dr Sedan Insurance Rates for High Risk Drivers
AgePremium
16$7,278
20$5,082
30$3,038
40$2,968
50$2,836
60$2,810

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 $196

Potential Rate Discounts

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

DiscountSavings
Multi-policy$72
Multi-vehicle$72
Homeowner$19
5-yr Accident Free$107
5-yr Claim Free$89
Paid in Full/EFT$66
Advance Quote$71
Online Quote$96
Total Discounts$592
Rate after discounts $766

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

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