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Honda Civic EX-L 2-Dr Coupe Insurance Rates

The average insurance rates for a Honda Civic EX-L 2-Dr Coupe are $1,608 a year for full coverage. Comprehensive insurance costs an estimated $296 each year, collision insurance costs $692, and liability coverage costs around $432. Liability-only insurance costs as low as $512 a year, and high-risk driver insurance costs $3,518 or more. Teenage drivers cost the most to insure at up to $6,084 a year.

Annual premium for full coverage: $1,608

Policy rates broken down by individual coverage:

Comprehensive $296
Collision $692
Liability $432

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-L 2-Dr Coupe insurance rates range from as low as $512 for a discount liability-only rate to a high rate of $3,518 for high-risk insurance.

Liability Only $512
Full Coverage $1,608
High Risk $3,518

These price differences show why all drivers should compare prices for a targeted area and risk profile, rather than using average rates.

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Auto insurance rates for a Honda Civic EX-L 2-Dr Coupe also range considerably based on your risk profile, the model year of your Civic, and liability limits and deductibles.

More mature drivers with a good driving record and high deductibles may only pay around $1,500 a year, or $125 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay at least $6,000 a year. View Rates by Age

Your home state has a huge impact on Honda Civic EX-L 2-Dr Coupe insurance rates. A driver around age 40 might see rates as low as $920 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,890 on average in Montana, Louisiana, and Michigan. Rates by state and city are shown later in the article.

Using high physical damage deductibles could cut rates by as much as $670 a year, whereas increasing liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $389 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying $1,900 to $2,700 in extra premium every year, depending on your age. Insurance for high-risk drivers can be around 44% to 131% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to do a rate comparison and see how they stack up. Each insurance company uses a different method to calculate rates, and quoted rates will be varied from one company to the next.

View Chart as Image

Honda Civic EX-L 2-Dr Coupe insurance cost comparison chart
Column chart showing Honda Civic EX-L 2-Dr Coupe insurance prices range from $910 to $6,084 for full coverage

Chart shows Honda Civic EX-L 2-Dr Coupe insurance rates for various risk profiles and scenarios. The cheapest rate with discounts is $910. Drivers who use higher $1,000 deductibles will pay around $1,386. The average rate for a driver around age 40 using $500 deductibles is $1,608. Using lower $100 deductibles for comprehensive and collision insurance could cost up to $2,052. Drivers with multiple violations and accidents could be charged around $3,518. The policy rate for full coverage for a teenage driver can be as high as $6,084.

Honda Civic EX-L 2-Dr Coupe Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,546-$62-3.9%
Alaska$1,320-$288-17.9%
Arizona$1,618$100.6%
Arkansas$1,634$261.6%
California$1,808$20012.4%
Colorado$1,672$644.0%
Connecticut$2,110$50231.2%
Delaware$1,962$35422.0%
Florida$2,172$56435.1%
Georgia$1,598-$10-0.6%
Hawaii$1,738$1308.1%
Idaho$1,118-$490-30.5%
Illinois$1,196-$412-25.6%
Indiana$1,150-$458-28.5%
Iowa$1,210-$398-24.8%
Kansas$1,480-$128-8.0%
Kentucky$2,088$48029.9%
Louisiana$2,612$1,00462.4%
Maine$1,102-$506-31.5%
Maryland$1,658$503.1%
Massachusetts$1,418-$190-11.8%
Michigan$2,960$1,35284.1%
Minnesota$1,414-$194-12.1%
Mississippi$1,574-$34-2.1%
Missouri$1,376-$232-14.4%
Montana$1,460-$148-9.2%
Nebraska$1,324-$284-17.7%
Nevada$2,082$47429.5%
New Hampshire$1,312-$296-18.4%
New Jersey$1,604-$4-0.2%
New Mexico$1,494-$114-7.1%
New York$2,096$48830.3%
North Carolina$1,140-$468-29.1%
North Dakota$1,566-$42-2.6%
Ohio$1,134-$474-29.5%
Oklahoma$1,958$35021.8%
Oregon$1,506-$102-6.3%
Pennsylvania$1,814$20612.8%
Rhode Island$1,956$34821.6%
South Carolina$1,500-$108-6.7%
South Dakota$1,262-$346-21.5%
Tennessee$1,444-$164-10.2%
Texas$1,550-$58-3.6%
Utah$1,432-$176-10.9%
Vermont$1,150-$458-28.5%
Virginia$1,158-$450-28.0%
Washington$1,418-$190-11.8%
West Virginia$1,640$322.0%
Wisconsin$1,640$322.0%
Wyoming$1,780$17210.7%

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Honda Civic EX-L 2-Dr Coupe insurance rates by U.S. city

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Rates by Driver Age

Honda Civic EX-L 2-Dr Coupe Insurance Rates by Driver Age
Driver AgePremium
16$6,084
20$3,788
30$1,680
40$1,608
50$1,472
60$1,448

Full coverage, $500 deductibles

Rates by Deductible

Honda Civic EX-L 2-Dr Coupe Insurance Rates with Different Deductibles
DeductiblePremium
$100$2,052
$250$1,846
$500$1,608
$1,000$1,386

Full coverage, driver age 40

Rates by Liability Limit

Honda Civic EX-L 2-Dr Coupe Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,608
50/100$1,694
100/300$1,802
250/500$2,083
100 CSL$1,738
300 CSL$1,975
500 CSL$2,148

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Civic EX-L 2-Dr Coupe Insurance Rates for High Risk Drivers
AgePremium
16$8,688
20$6,030
30$3,600
40$3,518
50$3,362
60$3,336

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 $232

Potential Rate Discounts

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

DiscountSavings
Multi-policy$85
Multi-vehicle$86
Homeowner$23
5-yr Accident Free$125
5-yr Claim Free$105
Paid in Full/EFT$77
Advance Quote$83
Online Quote$114
Total Discounts$698
Rate after discounts $910

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

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