Honda Civic LX-S 4-Dr Sedan Insurance Rates
U.S. average insurance prices for a Honda Civic LX-S 4-Dr Sedan are $1,426 every 12 months for full coverage. Comprehensive costs around $270 a year, collision costs $634, and liability costs around $364. Liability-only coverage costs as low as $430 a year, with high-risk coverage costing around $3,122. Teenage drivers pay the highest rates at $5,356 a year or more.
Annual premium for full coverage: $1,426
Price estimates for individual coverage type:
40-year-old driver, full coverage with $500 deductibles, and good driving record
Price Range for Insurance for this Honda Civic Trim Level
For the normal driver, Honda Civic LX-S 4-Dr Sedan insurance prices go from the cheapest price of $430 for the bare minimum liability coverage to a high of $3,122 for a driver who requires high-risk insurance.
Geographic Price Range
Where you live can make a big difference on auto insurance rates. Areas with sparse population have more infrequent accident claims than densely populated cities.
The diagram below illustrates how geographic area affects auto insurance rates.
These price ranges show why it is important for drivers to compare prices for a specific zip code and their own driving history, instead of making a decision based on average rates.
Use the form below to get rates for your location.
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Recommended Companies for Cheap Honda Civic LX-S 4-Dr Sedan Insurance
Auto insurance rates for a Honda Civic LX-S 4-Dr Sedan are also quite variable based on deductibles and policy limits, your driver profile, and the actual cash value of your Civic.
Using high physical damage deductibles could cut rates by as much as $610 annually, while buying higher liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will increase rates by as much as $327 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher deductibles may pay as low as $1,300 a year for full coverage. Rates are much higher for teenage drivers, since even excellent drivers will have to pay as much as $5,300 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying at least $1,700 to $2,400 in extra premium each year, depending on your age. A high-risk auto insurance policy can be from 45% to 133% more than a normal policy. View High Risk Driver Rates
The state you live in has a huge impact on Honda Civic LX-S 4-Dr Sedan insurance prices. A driver around age 40 might see rates as low as $900 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,950 on average in Michigan, Louisiana, and Montana. Rates by state and city are shown later in the article.
Since rates can be so different, the only way to know your exact price is to get quotes from multiple companies. Each insurance company uses a different method to calculate rates, and quoted rates may be quite different.
Chart shows Honda Civic LX-S 4-Dr Sedan insurance rates for different coverage choices and risks. The cheapest discount rate is $804. Drivers who use higher $1,000 deductibles will pay $1,224. The average rate for a driver age 40 with no violations using $500 deductibles is $1,426. Choosing low $100 deductibles for comprehensive and collision insurance could cost up to $1,834. Drivers with multiple violations and accidents could be charged at least $3,122. The cost for full coverage insurance for a 16-year-old driver can be as high as $5,356.
|State||Premium||Compared to U.S. Avg||Percent Difference|
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Rate Tables and Charts
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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||$112|
|5-yr Claim Free||$93|
|Paid in Full/EFT||$70|
Discounts are estimated and may not be available from every company or in every state.