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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 $1,384 a year for full coverage. Comprehensive insurance costs approximately $258, collision insurance costs $604, and liability costs $364. Liability-only coverage costs as little as $430 a year, and high-risk coverage costs $3,024 or more. Teenage drivers pay the most at up to $5,212 a year.

Annual premium for full coverage: $1,384

Premium estimates by type of insurance:

Comprehensive $258
Collision $604
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 driver in their 40's, insurance rates for a Honda Civic LX 4-Dr Sedan range from as low as $430 for just liability insurance to a much higher rate of $3,024 for a driver who has had serious violations or accidents.

Liability Only $430
Full Coverage $1,384
High Risk $3,024

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 $1,300 per year on average, or $108 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 $5,200 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 $900 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,950 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 $580 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 $327 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 $1,700 to $2,300 extra annually, depending on your age. High-risk driver insurance can cost as much as 44% to 137% 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 $781 to $5,212 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 $781. Drivers who use higher $1,000 deductibles will pay around $1,188. The average rate for a middle-aged driver with a clean driving record using $500 deductibles is $1,384. Using more expensive $100 deductibles for comprehensive and collision insurance can cost as much as $1,766. Drivers with multiple violations and accidents could be charged up to $3,024. The price for full coverage for a teenager is $5,212.

Honda Civic LX 4-Dr Sedan Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,250-$134-9.7%
Alaska$1,060-$324-23.4%
Arizona$1,148-$236-17.1%
Arkansas$1,384-$00.0%
California$1,574$19013.7%
Colorado$1,322-$62-4.5%
Connecticut$1,422$382.7%
Delaware$1,564$18013.0%
Florida$1,730$34625.0%
Georgia$1,278-$106-7.7%
Hawaii$994-$390-28.2%
Idaho$934-$450-32.5%
Illinois$1,030-$354-25.6%
Indiana$1,040-$344-24.9%
Iowa$934-$450-32.5%
Kansas$1,314-$70-5.1%
Kentucky$1,884$50036.1%
Louisiana$2,046$66247.8%
Maine$852-$532-38.4%
Maryland$1,140-$244-17.6%
Massachusetts$1,106-$278-20.1%
Michigan$2,402$1,01873.6%
Minnesota$1,156-$228-16.5%
Mississippi$1,656$27219.7%
Missouri$1,226-$158-11.4%
Montana$1,484$1007.2%
Nebraska$1,090-$294-21.2%
Nevada$1,658$27419.8%
New Hampshire$996-$388-28.0%
New Jersey$1,546$16211.7%
New Mexico$1,224-$160-11.6%
New York$1,456$725.2%
North Carolina$798-$586-42.3%
North Dakota$1,132-$252-18.2%
Ohio$954-$430-31.1%
Oklahoma$1,420$362.6%
Oregon$1,266-$118-8.5%
Pennsylvania$1,320-$64-4.6%
Rhode Island$1,842$45833.1%
South Carolina$1,252-$132-9.5%
South Dakota$1,164-$220-15.9%
Tennessee$1,210-$174-12.6%
Texas$1,666$28220.4%
Utah$1,024-$360-26.0%
Vermont$946-$438-31.6%
Virginia$828-$556-40.2%
Washington$1,068-$316-22.8%
West Virginia$1,268-$116-8.4%
Wisconsin$958-$426-30.8%
Wyoming$1,232-$152-11.0%

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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$5,212
20$3,256
30$1,444
40$1,384
50$1,264
60$1,244

Full coverage, $500 deductibles

Rates by Deductible

Honda Civic LX 4-Dr Sedan Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,766
$250$1,586
$500$1,384
$1,000$1,188

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$1,384
50/100$1,457
100/300$1,548
250/500$1,784
100 CSL$1,493
300 CSL$1,693
500 CSL$1,839

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Civic LX 4-Dr Sedan Insurance Rates for High Risk Drivers
AgePremium
16$7,450
20$5,182
30$3,094
40$3,024
50$2,890
60$2,866

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 $200

Potential Rate Discounts

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

DiscountSavings
Multi-policy$74
Multi-vehicle$74
Homeowner$20
5-yr Accident Free$108
5-yr Claim Free$90
Paid in Full/EFT$67
Advance Quote$72
Online Quote$98
Total Discounts$603
Rate after discounts $781

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

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