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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 $1,400 annually for full coverage insurance. Comprehensive insurance costs around $270, collision insurance costs $632, and liability insurance costs around $346. Liability-only insurance costs as low as $410 a year, and high-risk driver insurance costs $3,064 or more. Teen drivers pay the most at up to $5,224 a year.

Annual premium for full coverage: $1,400

Premium estimates for type of coverage:

Comprehensive $270
Collision $632
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, insurance rates for a Honda Civic EX-L 4-Dr Sedan range from as cheap as $410 for liability-only coverage to the much higher price of $3,064 for high-risk insurance.

Liability Only $410
Full Coverage $1,400
High Risk $3,064

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 $1,300 a year, or $108 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 $5,200 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying at least $1,700 to $2,300 additional annually, depending on your age. Honda Civic EX-L 4-Dr Sedan insurance for high-risk drivers can be anywhere from 44% to 135% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $610 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 $312 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 $1,170 a year in states like North Carolina, , and , or as much as $1,670 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 $786 to $5,224 for full coverage

The chart estimates Honda Civic EX-L 4-Dr Sedan insurance prices for various situations. The lowest price with discounts is $786. Drivers who choose higher $1,000 deductibles will pay about $1,198. The average price for a driver age 40 with no violations using $500 deductibles is $1,400. Selecting more expensive $100 deductibles for physical damage coverage could cost up to $1,804. High risk drivers could be charged up to $3,064. The rate for full coverage for a 16-year-old driver can be as high as $5,224.

Honda Civic EX-L 4-Dr Sedan Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,344-$56-4.0%
Alaska$1,150-$250-17.9%
Arizona$1,406$60.4%
Arkansas$1,418$181.3%
California$1,572$17212.3%
Colorado$1,454$543.9%
Connecticut$1,832$43230.9%
Delaware$1,704$30421.7%
Florida$1,890$49035.0%
Georgia$1,388-$12-0.9%
Hawaii$1,512$1128.0%
Idaho$972-$428-30.6%
Illinois$1,040-$360-25.7%
Indiana$998-$402-28.7%
Iowa$1,054-$346-24.7%
Kansas$1,286-$114-8.1%
Kentucky$1,812$41229.4%
Louisiana$2,268$86862.0%
Maine$960-$440-31.4%
Maryland$1,440$402.9%
Massachusetts$1,232-$168-12.0%
Michigan$2,574$1,17483.9%
Minnesota$1,230-$170-12.1%
Mississippi$1,370-$30-2.1%
Missouri$1,194-$206-14.7%
Montana$1,270-$130-9.3%
Nebraska$1,152-$248-17.7%
Nevada$1,808$40829.1%
New Hampshire$1,142-$258-18.4%
New Jersey$1,394-$6-0.4%
New Mexico$1,298-$102-7.3%
New York$1,822$42230.1%
North Carolina$994-$406-29.0%
North Dakota$1,362-$38-2.7%
Ohio$986-$414-29.6%
Oklahoma$1,700$30021.4%
Oregon$1,312-$88-6.3%
Pennsylvania$1,576$17612.6%
Rhode Island$1,698$29821.3%
South Carolina$1,304-$96-6.9%
South Dakota$1,096-$304-21.7%
Tennessee$1,258-$142-10.1%
Texas$1,346-$54-3.9%
Utah$1,240-$160-11.4%
Vermont$996-$404-28.9%
Virginia$1,006-$394-28.1%
Washington$1,232-$168-12.0%
West Virginia$1,426$261.9%
Wisconsin$1,428$282.0%
Wyoming$1,548$14810.6%

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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$5,224
20$3,296
30$1,468
40$1,400
50$1,278
60$1,258

Full coverage, $500 deductibles

Rates by Deductible

Honda Civic EX-L 4-Dr Sedan Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,804
$250$1,614
$500$1,400
$1,000$1,198

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$1,400
50/100$1,469
100/300$1,556
250/500$1,781
100 CSL$1,504
300 CSL$1,694
500 CSL$1,833

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$7,478
20$5,244
30$3,140
40$3,064
50$2,926
60$2,898

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 $203

Potential Rate Discounts

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

DiscountSavings
Multi-policy$75
Multi-vehicle$75
Homeowner$19
5-yr Accident Free$111
5-yr Claim Free$92
Paid in Full/EFT$69
Advance Quote$73
Online Quote$100
Total Discounts$614
Rate after discounts $786

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

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