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  4. LX 4-Dr Sedan

Honda Civic LX 4-Dr Sedan Insurance Rates

Estimated insurance rates for a Honda Civic LX 4-Dr Sedan are $1,314 a year for full coverage. Comprehensive insurance costs approximately $244, collision insurance costs $572, and liability costs $346. Liability-only coverage costs as little as $410 a year, and high-risk coverage costs $2,872 or more. Teenage drivers pay the most at up to $4,950 a year.

Annual premium for full coverage: $1,314

Premium estimates by type of insurance:

Comprehensive $244
Collision $572
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 driver in their 40's, insurance rates for a Honda Civic LX 4-Dr Sedan range from as low as $410 for just liability insurance to a much higher rate of $2,872 for a driver who has had serious violations or accidents.

Liability Only $410
Full Coverage $1,314
High Risk $2,872

These rate differences show why anyone shopping for car insurance should compare rates using their specific location and risk profile, instead of using average rates.

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Insurance rates for a Honda Civic LX 4-Dr Sedan also have a wide range based on your driving characteristics, the model year of your Civic, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for drivers in their teens, where even good drivers can expect to pay in the ballpark of $4,900 a year. View Rates by Age

Where you choose to live makes a big difference in Honda Civic LX 4-Dr Sedan insurance prices. A 40-year-old driver could pay 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 save up to $550 every year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will cost up to $312 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying anywhere from $1,600 to $2,200 extra annually, depending on your age. High-risk driver insurance can cost as much as 44% to 135% more than a normal policy. View High Risk Driver Rates

With such a large range of rates, the only way to know which company is cheapest is to compare rates and see which company has the best rate. Every company uses a different method to calculate rates, so the rates will be substantially different from one company to the next.

View Chart as Image

Honda Civic LX 4-Dr Sedan insurance cost comparison chart
Column chart showing Honda Civic LX 4-Dr Sedan insurance prices range from $743 to $4,950 for full coverage

Chart shows Honda Civic LX 4-Dr Sedan insurance rates for various risk profiles and scenarios. The best rate after discounts is $743. Drivers who use higher $1,000 deductibles will pay around $1,130. The average rate for a middle-aged driver with a clean driving record using $500 deductibles is $1,314. Using more expensive $100 deductibles for comprehensive and collision insurance can cost as much as $1,680. Drivers with multiple violations and accidents could be charged up to $2,872. The price for full coverage for a teenager is $4,950.

Honda Civic LX 4-Dr Sedan Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,260-$54-4.1%
Alaska$1,078-$236-18.0%
Arizona$1,318$40.3%
Arkansas$1,330$161.2%
California$1,474$16012.2%
Colorado$1,364$503.8%
Connecticut$1,718$40430.7%
Delaware$1,598$28421.6%
Florida$1,772$45834.9%
Georgia$1,302-$12-0.9%
Hawaii$1,418$1047.9%
Idaho$912-$402-30.6%
Illinois$976-$338-25.7%
Indiana$934-$380-28.9%
Iowa$988-$326-24.8%
Kansas$1,206-$108-8.2%
Kentucky$1,700$38629.4%
Louisiana$2,128$81461.9%
Maine$900-$414-31.5%
Maryland$1,352$382.9%
Massachusetts$1,156-$158-12.0%
Michigan$2,414$1,10083.7%
Minnesota$1,154-$160-12.2%
Mississippi$1,286-$28-2.1%
Missouri$1,120-$194-14.8%
Montana$1,190-$124-9.4%
Nebraska$1,082-$232-17.7%
Nevada$1,696$38229.1%
New Hampshire$1,070-$244-18.6%
New Jersey$1,308-$6-0.5%
New Mexico$1,218-$96-7.3%
New York$1,710$39630.1%
North Carolina$934-$380-28.9%
North Dakota$1,278-$36-2.7%
Ohio$926-$388-29.5%
Oklahoma$1,594$28021.3%
Oregon$1,230-$84-6.4%
Pennsylvania$1,478$16412.5%
Rhode Island$1,594$28021.3%
South Carolina$1,224-$90-6.8%
South Dakota$1,030-$284-21.6%
Tennessee$1,180-$134-10.2%
Texas$1,262-$52-4.0%
Utah$1,162-$152-11.6%
Vermont$934-$380-28.9%
Virginia$944-$370-28.2%
Washington$1,156-$158-12.0%
West Virginia$1,338$241.8%
Wisconsin$1,338$241.8%
Wyoming$1,452$13810.5%

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

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Rates by Driver Age

Honda Civic LX 4-Dr Sedan Insurance Rates by Driver Age
Driver AgePremium
16$4,950
20$3,094
30$1,372
40$1,314
50$1,202
60$1,182

Full coverage, $500 deductibles

Rates by Deductible

Honda Civic LX 4-Dr Sedan Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,680
$250$1,508
$500$1,314
$1,000$1,130

Full coverage, driver age 40

Rates by Liability Limit

Honda Civic LX 4-Dr Sedan Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,314
50/100$1,383
100/300$1,470
250/500$1,695
100 CSL$1,418
300 CSL$1,608
500 CSL$1,747

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Civic LX 4-Dr Sedan Insurance Rates for High Risk Drivers
AgePremium
16$7,074
20$4,920
30$2,940
40$2,872
50$2,744
60$2,718

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 $190

Potential Rate Discounts

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

DiscountSavings
Multi-policy$70
Multi-vehicle$70
Homeowner$19
5-yr Accident Free$102
5-yr Claim Free$86
Paid in Full/EFT$63
Advance Quote$68
Online Quote$93
Total Discounts$571
Rate after discounts $743

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

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