Honda Civic EX 4-Dr Sedan Insurance Rates

U.S. average insurance rates for a Honda Civic EX 4-Dr Sedan are $1,426 a year with full coverage. Comprehensive insurance costs an estimated $270 each year, collision costs $634, and liability costs around $364. Buying just liability costs as low as $430 a year, with insurance for high-risk drivers costing $3,122 or more. Teenage drivers pay the highest rates at $5,356 a year or more.

Annual premium for full coverage: $1,426

Price estimates broken down by individual coverage:

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

Price Range for Insurance for this Honda Civic Trim Level

These price ranges demonstrate why all drivers should compare prices for a targeted area and risk profile, instead of making a decision based on average rates.

Use the form below to get rates for your location.

Insurance prices for a Honda Civic EX 4-Dr Sedan are also quite variable based on your driving record, the actual cash value of your Civic, and liability limits and deductibles.

More mature drivers with no violations or accidents and high deductibles may pay as low as $1,300 a year for full coverage. Rates are much higher for teenage drivers, where even good drivers should be prepared to pay at least $5,300 a year. View Rates by Age

The state you live in has a huge impact on Honda Civic EX 4-Dr Sedan insurance prices. A driver around age 40 might see rates as low as $970 a year in states like Vermont, Ohio, and Indiana, or be forced to pay as much as $1,790 on average in Montana, Michigan, and New Jersey. Rates by state and city are shown later in the article.

Using high physical damage deductibles could cut rates by as much as $610 annually, whereas increasing liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will increase rates by as much as $327 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out $1,700 to $2,400 additional each year, depending on your age. Insurance for high-risk drivers can be from 45% to 133% more than a normal policy. View High Risk Driver Rates

Since rates can be so different, the best way to find out who has the cheapest auto insurance rates is to do a rate comparison from multiple companies. Each insurance company uses a different method to calculate rates, and rates may be quite different from one company to the next.

View Chart as Image

The chart above shows Honda Civic EX 4-Dr Sedan insurance rates for different risk profiles and scenarios. The cheapest discount rate is $804. Drivers who use higher $1,000 deductibles will pay around $1,224. The average rate for a driver around age 40 using $500 deductibles is $1,426. Using lower $100 deductibles for comp and collision coverage could cost up to $1,834. Drivers with multiple violations and accidents could be charged at least $3,122. The policy rate for full coverage for a teenage driver can be as high as $5,356.

View Chart as Image