Honda Civic LX 2-Dr Coupe Insurance Rates

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Average insurance rates for a Honda Civic LX 2-Dr Coupe are $1,590 a year with full coverage. Comprehensive costs an estimated $270, collision costs $666, and liability insurance costs $454. Only liability insurance costs as little as $538 a year, with high-risk insurance costing around $3,480. Teen drivers receive the highest rates at $6,096 a year or more.

Annual premium for full coverage: $1,590

Rate estimates broken down by type of insurance:

Comprehensive $270
Collision $666
Liability $454

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Honda Civic Trim Level

Using a middle-aged driver as an example, prices go from as low as $538 for just liability insurance to a much higher rate of $3,480 for a high-risk driver policy.

Liability Only $538
Full Coverage $1,590
High Risk $3,480

Price Range by Location

Your location has a significant impact on car insurance rates. More rural locations tend to have a lower frequency of collision claims than larger metro areas.

The price range example below illustrates how where you live affects insurance prices.

Rural Areas $1,193
Small Cities $1,670
Large Cities $2,147

These differences demonstrate why anyone shopping for car insurance should compare rates for a targeted area and risk profile, rather than relying on price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

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Insurance rates for a Honda Civic LX 2-Dr Coupe can also vary considerably based on your driver profile, the actual cash value of your Civic, and liability limits and deductibles.

An older driver with a clean driving record and high deductibles could pay as little as $1,500 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay at least $6,000 a year. View Rates by Age

Where you live makes a big difference in Honda Civic LX 2-Dr Coupe insurance rates. A 40-year-old driver could pay as low as $970 a year in states like Vermont, Ohio, and Indiana, or as much as $1,790 on average in Montana, Michigan, and New Jersey. Rates by state and city are shown later in the article.

Choosing high deductibles could save up to $640 each year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost as much as $408 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out $1,900 to $2,600 extra per year, depending on your age. High-risk driver insurance can cost anywhere from 43% to 133% more than average. View High Risk Driver Rates

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to compare rates from as many companies as possible. Every company uses a different rate calculation, so the rates can be significantly different from one company to the next.

View Chart as Image

Honda Civic LX 2-Dr Coupe insurance cost comparison chart
Column chart showing Honda Civic LX 2-Dr Coupe insurance prices range from $906 to $6,096 for full coverage

The chart above shows Honda Civic LX 2-Dr Coupe insurance rates for different risk profiles and scenarios. The lowest rate with discounts is $906. Drivers who choose higher $1,000 deductibles will pay around $1,380. The average rate for a driver around age 40 using $500 deductibles is $1,590. Using more expensive $100 deductibles for comp and collision coverage can cost as much as $2,012. High risk drivers could be charged as much as $3,480. The price for full coverage insurance for a teenage driver is $6,096.

Honda Civic LX 2-Dr Coupe Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,436 -$154 -9.7%
Alaska $1,218 -$372 -23.4%
Arizona $1,320 -$270 -17.0%
Arkansas $1,590 -$0 0.0%
California $1,812 $222 14.0%
Colorado $1,518 -$72 -4.5%
Connecticut $1,632 $42 2.6%
Delaware $1,800 $210 13.2%
Florida $1,986 $396 24.9%
Georgia $1,468 -$122 -7.7%
Hawaii $1,140 -$450 -28.3%
Idaho $1,080 -$510 -32.1%
Illinois $1,184 -$406 -25.5%
Indiana $1,198 -$392 -24.7%
Iowa $1,076 -$514 -32.3%
Kansas $1,510 -$80 -5.0%
Kentucky $2,170 $580 36.5%
Louisiana $2,354 $764 48.1%
Maine $984 -$606 -38.1%
Maryland $1,312 -$278 -17.5%
Massachusetts $1,270 -$320 -20.1%
Michigan $2,762 $1,172 73.7%
Minnesota $1,330 -$260 -16.4%
Mississippi $1,904 $314 19.7%
Missouri $1,412 -$178 -11.2%
Montana $1,710 $120 7.5%
Nebraska $1,254 -$336 -21.1%
Nevada $1,906 $316 19.9%
New Hampshire $1,146 -$444 -27.9%
New Jersey $1,776 $186 11.7%
New Mexico $1,408 -$182 -11.4%
New York $1,674 $84 5.3%
North Carolina $916 -$674 -42.4%
North Dakota $1,304 -$286 -18.0%
Ohio $1,098 -$492 -30.9%
Oklahoma $1,632 $42 2.6%
Oregon $1,456 -$134 -8.4%
Pennsylvania $1,518 -$72 -4.5%
Rhode Island $2,122 $532 33.5%
South Carolina $1,442 -$148 -9.3%
South Dakota $1,342 -$248 -15.6%
Tennessee $1,394 -$196 -12.3%
Texas $1,916 $326 20.5%
Utah $1,178 -$412 -25.9%
Vermont $1,088 -$502 -31.6%
Virginia $952 -$638 -40.1%
Washington $1,228 -$362 -22.8%
West Virginia $1,458 -$132 -8.3%
Wisconsin $1,102 -$488 -30.7%
Wyoming $1,418 -$172 -10.8%

View Chart as Image

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

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Rates by Driver Age

Honda Civic LX 2-Dr Coupe Insurance Rates by Driver Age
Driver Age Premium
16 $6,096
20 $3,756
30 $1,656
40 $1,590
50 $1,456
60 $1,430

Full coverage, $500 deductibles

Rates by Deductible

Honda Civic LX 2-Dr Coupe Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,012
$250 $1,814
$500 $1,590
$1,000 $1,380

Full coverage, driver age 40

Rates by Liability Limit

Honda Civic LX 2-Dr Coupe Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,590
50/100 $1,681
100/300 $1,794
250/500 $2,089
100 CSL $1,726
300 CSL $1,976
500 CSL $2,158

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Civic LX 2-Dr Coupe Insurance Rates for High Risk Drivers
Age Premium
16 $8,696
20 $5,980
30 $3,556
40 $3,480
50 $3,330
60 $3,300

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 $230

Potential Rate Discounts

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

Discount Savings
Multi-policy $83
Multi-vehicle $86
Homeowner $23
5-yr Accident Free $122
5-yr Claim Free $103
Paid in Full/EFT $75
Advance Quote $81
Online Quote $111
Total Discounts $684
Rate after discounts $906

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

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