Honda Civic GX 4-Dr Sedan Insurance Rates
Estimated insurance prices for a Honda Civic GX 4-Dr Sedan are $1,456 every 12 months including full coverage. Comprehensive costs approximately $296 each year, collision insurance costs $662, and liability coverage costs around $346. A policy with only liability insurance costs as low as $410 a year, and a high-risk policy costs around $3,182. Teenage drivers pay the most at up to $5,382 a year.
Annual premium for full coverage: $1,456
Premium estimates by individual coverage:
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 GX 4-Dr Sedan range from the cheapest price of $410 for just liability insurance to a high rate of $3,182 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Where you live has a large influence on car insurance prices. Rural locations are statistically proven to have more infrequent comprehensive and collision claims than densely populated cities. The graphic below illustrates how location helps determine auto insurance prices.
These rate differences highlight why all drivers should compare prices using their specific location and their own driving history, rather than using average rates.
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Car insurance rates for a Honda Civic GX 4-Dr Sedan also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the replacement cost of your Civic.
Using high physical damage deductibles could cut rates by as much as $650 a year, whereas increasing liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $312 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles may only pay around $1,400 a year, or $117 per month, for full coverage. Rates are much higher for drivers in their teens, since even excellent drivers will be charged in the ballpark of $5,300 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are likely paying anywhere from $1,700 to $2,400 extra annually, depending on your age. Insurance for high-risk drivers can be around 45% to 130% more than a normal policy. View High Risk Driver Rates
Where you choose to live has a huge impact on Honda Civic GX 4-Dr Sedan insurance rates. A driver around age 40 might see rates as low as $1,050 a year in states like North Carolina, Indiana, and , or be forced to pay as much as $1,890 on average in Louisiana, Montana, and Michigan. Rates by state and city are shown later in the article.
With such a large range of rates, the best way to figure out which auto insurance is cheapest is to do a rate comparison and see how they stack up. Each insurance company uses a different method to calculate rates, so rate quotes will be substantially different.
The chart above shows average Honda Civic GX 4-Dr Sedan insurance rates for various coverage choices and risks. The cheapest rate with discounts is $818. Drivers who use higher $1,000 deductibles will pay $1,242. The average rate for a middle-aged driver with a clean driving record using $500 deductibles is $1,456. Using lower $100 deductibles for collision and other-than-collision coverage could cost up to $1,886. Drivers with multiple violations and accidents could be charged up to $3,182. The policy rate for full coverage insurance for a teenager can be as high as $5,382.
|State||Premium||Compared to U.S. Avg||Percent Difference|
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Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$116|
|5-yr Claim Free||$95|
|Paid in Full/EFT||$72|
Discounts are estimated and may not be available from every company or in every state.