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Honda Civic LX-S 4-Dr Sedan Insurance Rates

U.S. average insurance prices for a Honda Civic LX-S 4-Dr Sedan are $1,358 every 12 months for full coverage. Comprehensive costs around $258 a year, collision costs $602, and liability costs around $346. Liability-only coverage costs as low as $410 a year, with high-risk coverage costing around $2,968. Teenage drivers pay the highest rates at $5,088 a year or more.

Annual premium for full coverage: $1,358

Price estimates for individual coverage type:

Comprehensive $258
Collision $602
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 the normal driver, Honda Civic LX-S 4-Dr Sedan insurance prices go from the cheapest price of $410 for the bare minimum liability coverage to a high of $2,968 for a driver who requires high-risk insurance.

Liability Only $410
Full Coverage $1,358
High Risk $2,968

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.

Rural Areas $1,019
Small Cities $1,426
Large Cities $1,833

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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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 $580 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 $312 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 $5,000 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 $1,600 to $2,200 in extra premium each year, depending on your age. A high-risk auto insurance policy can be from 43% to 131% 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 $920 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,890 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.

View Chart as Image

Honda Civic LX-S 4-Dr Sedan insurance cost comparison chart
Column chart showing Honda Civic LX-S 4-Dr Sedan insurance prices range from $766 to $5,088 for full coverage

Chart shows Honda Civic LX-S 4-Dr Sedan insurance rates for different coverage choices and risks. The cheapest discount rate is $766. Drivers who use higher $1,000 deductibles will pay $1,164. The average rate for a driver age 40 with no violations using $500 deductibles is $1,358. Choosing low $100 deductibles for comprehensive and collision insurance could cost up to $1,742. Drivers with multiple violations and accidents could be charged at least $2,968. The cost for full coverage insurance for a 16-year-old driver can be as high as $5,088.

Honda Civic LX-S 4-Dr Sedan Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,304-$54-4.0%
Alaska$1,114-$244-18.0%
Arizona$1,362$40.3%
Arkansas$1,374$161.2%
California$1,524$16612.2%
Colorado$1,408$503.7%
Connecticut$1,776$41830.8%
Delaware$1,650$29221.5%
Florida$1,832$47434.9%
Georgia$1,346-$12-0.9%
Hawaii$1,464$1067.8%
Idaho$944-$414-30.5%
Illinois$1,008-$350-25.8%
Indiana$966-$392-28.9%
Iowa$1,020-$338-24.9%
Kansas$1,246-$112-8.2%
Kentucky$1,758$40029.5%
Louisiana$2,200$84262.0%
Maine$928-$430-31.7%
Maryland$1,394$362.7%
Massachusetts$1,194-$164-12.1%
Michigan$2,494$1,13683.7%
Minnesota$1,192-$166-12.2%
Mississippi$1,328-$30-2.2%
Missouri$1,156-$202-14.9%
Montana$1,230-$128-9.4%
Nebraska$1,116-$242-17.8%
Nevada$1,752$39429.0%
New Hampshire$1,108-$250-18.4%
New Jersey$1,350-$8-0.6%
New Mexico$1,258-$100-7.4%
New York$1,766$40830.0%
North Carolina$962-$396-29.2%
North Dakota$1,318-$40-2.9%
Ohio$956-$402-29.6%
Oklahoma$1,648$29021.4%
Oregon$1,270-$88-6.5%
Pennsylvania$1,528$17012.5%
Rhode Island$1,646$28821.2%
South Carolina$1,264-$94-6.9%
South Dakota$1,062-$296-21.8%
Tennessee$1,220-$138-10.2%
Texas$1,304-$54-4.0%
Utah$1,202-$156-11.5%
Vermont$966-$392-28.9%
Virginia$976-$382-28.1%
Washington$1,194-$164-12.1%
West Virginia$1,382$241.8%
Wisconsin$1,382$241.8%
Wyoming$1,498$14010.3%

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

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Rates by Driver Age

Honda Civic LX-S 4-Dr Sedan Insurance Rates by Driver Age
Driver AgePremium
16$5,088
20$3,194
30$1,420
40$1,358
50$1,238
60$1,220

Full coverage, $500 deductibles

Rates by Deductible

Honda Civic LX-S 4-Dr Sedan Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,742
$250$1,562
$500$1,358
$1,000$1,164

Full coverage, driver age 40

Rates by Liability Limit

Honda Civic LX-S 4-Dr Sedan Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,358
50/100$1,427
100/300$1,514
250/500$1,739
100 CSL$1,462
300 CSL$1,652
500 CSL$1,791

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Civic LX-S 4-Dr Sedan Insurance Rates for High Risk Drivers
AgePremium
16$7,278
20$5,082
30$3,038
40$2,968
50$2,836
60$2,810

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 $196

Potential Rate Discounts

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

DiscountSavings
Multi-policy$72
Multi-vehicle$72
Homeowner$19
5-yr Accident Free$107
5-yr Claim Free$89
Paid in Full/EFT$66
Advance Quote$71
Online Quote$96
Total Discounts$592
Rate after discounts $766

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

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