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Honda Civic EX-L 4-Dr Sedan Insurance Rates

Estimated auto insurance rates for a Honda Civic EX-L 4-Dr Sedan are $1,472 annually for full coverage insurance. Comprehensive insurance costs around $284, collision insurance costs $666, and liability insurance costs around $364. Liability-only insurance costs as low as $430 a year, and high-risk driver insurance costs $3,224 or more. Teen drivers pay the most at up to $5,502 a year.

Annual premium for full coverage: $1,472

Premium estimates for type of coverage:

Comprehensive $284
Collision $666
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 40-year-old driver, insurance rates for a Honda Civic EX-L 4-Dr Sedan range from as cheap as $430 for liability-only coverage to the much higher price of $3,224 for high-risk insurance.

Liability Only $430
Full Coverage $1,472
High Risk $3,224

These rate differences illustrate why everyone should compare prices for a specific zip code and their own personal driving habits, rather than relying on price averages.

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Insurance prices for a Honda Civic EX-L 4-Dr Sedan also have a wide range based on the replacement cost of your Civic, your risk profile, and deductibles and policy limits.

A more mature driver with no violations or accidents and high physical damage deductibles could pay as little as $1,400 a year, or $117 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay as much as $5,500 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying at least $1,800 to $2,400 additional annually, depending on your age. Honda Civic EX-L 4-Dr Sedan insurance for high-risk drivers can be anywhere from 44% to 136% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $640 each year, whereas buying more liability protection will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $327 more each year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Honda Civic EX-L 4-Dr Sedan insurance rates. A driver around age 40 might see prices as low as $1,180 a year in states like North Carolina, , and , or as much as $1,800 on average in Michigan, Montana, and California. Rates by state and city are shown later in the article.

With such a large range of prices, the only way to figure out your exact price is to regularly compare prices from as many companies as possible. Each insurance company uses a different rate calculation, and rates will be substantially different between companies.

View Chart as Image

Honda Civic EX-L 4-Dr Sedan insurance cost comparison chart
Column chart showing Honda Civic EX-L 4-Dr Sedan insurance prices range from $825 to $5,502 for full coverage

The chart estimates Honda Civic EX-L 4-Dr Sedan insurance prices for various situations. The lowest price with discounts is $825. Drivers who choose higher $1,000 deductibles will pay about $1,258. The average price for a driver age 40 with no violations using $500 deductibles is $1,472. Selecting more expensive $100 deductibles for physical damage coverage could cost up to $1,898. High risk drivers could be charged up to $3,224. The rate for full coverage for a 16-year-old driver can be as high as $5,502.

Honda Civic EX-L 4-Dr Sedan Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,332-$140-9.5%
Alaska$1,128-$344-23.4%
Arizona$1,224-$248-16.8%
Arkansas$1,472-$00.0%
California$1,678$20614.0%
Colorado$1,408-$64-4.3%
Connecticut$1,514$422.9%
Delaware$1,668$19613.3%
Florida$1,842$37025.1%
Georgia$1,362-$110-7.5%
Hawaii$1,058-$414-28.1%
Idaho$996-$476-32.3%
Illinois$1,096-$376-25.5%
Indiana$1,108-$364-24.7%
Iowa$994-$478-32.5%
Kansas$1,400-$72-4.9%
Kentucky$2,010$53836.5%
Louisiana$2,180$70848.1%
Maine$910-$562-38.2%
Maryland$1,216-$256-17.4%
Massachusetts$1,178-$294-20.0%
Michigan$2,560$1,08873.9%
Minnesota$1,232-$240-16.3%
Mississippi$1,766$29420.0%
Missouri$1,306-$166-11.3%
Montana$1,582$1107.5%
Nebraska$1,162-$310-21.1%
Nevada$1,768$29620.1%
New Hampshire$1,062-$410-27.9%
New Jersey$1,646$17411.8%
New Mexico$1,304-$168-11.4%
New York$1,552$805.4%
North Carolina$850-$622-42.3%
North Dakota$1,208-$264-17.9%
Ohio$1,016-$456-31.0%
Oklahoma$1,514$422.9%
Oregon$1,350-$122-8.3%
Pennsylvania$1,406-$66-4.5%
Rhode Island$1,964$49233.4%
South Carolina$1,336-$136-9.2%
South Dakota$1,242-$230-15.6%
Tennessee$1,292-$180-12.2%
Texas$1,776$30420.7%
Utah$1,092-$380-25.8%
Vermont$1,008-$464-31.5%
Virginia$882-$590-40.1%
Washington$1,138-$334-22.7%
West Virginia$1,352-$120-8.2%
Wisconsin$1,022-$450-30.6%
Wyoming$1,314-$158-10.7%

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

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Rates by Driver Age

Honda Civic EX-L 4-Dr Sedan Insurance Rates by Driver Age
Driver AgePremium
16$5,502
20$3,468
30$1,544
40$1,472
50$1,346
60$1,324

Full coverage, $500 deductibles

Rates by Deductible

Honda Civic EX-L 4-Dr Sedan Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,898
$250$1,698
$500$1,472
$1,000$1,258

Full coverage, driver age 40

Rates by Liability Limit

Honda Civic EX-L 4-Dr Sedan Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,472
50/100$1,545
100/300$1,636
250/500$1,872
100 CSL$1,581
300 CSL$1,781
500 CSL$1,927

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Civic EX-L 4-Dr Sedan Insurance Rates for High Risk Drivers
AgePremium
16$7,876
20$5,524
30$3,304
40$3,224
50$3,080
60$3,056

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 $214

Potential Rate Discounts

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

DiscountSavings
Multi-policy$79
Multi-vehicle$79
Homeowner$20
5-yr Accident Free$117
5-yr Claim Free$97
Paid in Full/EFT$73
Advance Quote$77
Online Quote$105
Total Discounts$647
Rate after discounts $825

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

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