Honda Civic EX-L 4-Dr Sedan Insurance Rates

Estimated auto insurance rates for a Honda Civic EX-L 4-Dr Sedan are $1,472 annually for full coverage insurance. Comprehensive insurance costs around $284, collision insurance costs $666, and liability insurance costs around $364. Liability-only insurance costs as low as $430 a year, and high-risk driver insurance costs $3,224 or more. Teen drivers pay the most at up to $5,502 a year.

Annual premium for full coverage: $1,472

Premium estimates for type of 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 rate differences illustrate why everyone should compare prices for a specific zip code and their own personal driving habits, rather than relying on price averages.

Use the form below to get rates for your location.

Insurance prices for a Honda Civic EX-L 4-Dr Sedan also have a wide range based on the replacement cost of your Civic, your risk profile, and deductibles and policy limits.

A more mature driver with no violations or accidents and high physical damage deductibles could pay as little as $1,400 a year, or $117 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay as much as $5,500 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying at least $1,800 to $2,400 additional annually, depending on your age. Honda Civic EX-L 4-Dr Sedan insurance for high-risk drivers can be anywhere from 44% to 136% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $640 each year, whereas buying more liability protection will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $327 more each year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Honda Civic EX-L 4-Dr Sedan insurance rates. A driver around age 40 might see prices as low as $1,180 a year in states like North Carolina, , and , or as much as $1,800 on average in Michigan, Montana, and California. Rates by state and city are shown later in the article.

With such a large range of prices, the only way to figure out your exact price is to regularly compare prices from as many companies as possible. Each insurance company uses a different rate calculation, and rates will be substantially different between companies.

View Chart as Image

The chart estimates Honda Civic EX-L 4-Dr Sedan insurance prices for various situations. The lowest price with discounts is $825. Drivers who choose higher $1,000 deductibles will pay about $1,258. The average price for a driver age 40 with no violations using $500 deductibles is $1,472. Selecting more expensive $100 deductibles for physical damage coverage could cost up to $1,898. High risk drivers could be charged up to $3,224. The rate for full coverage for a 16-year-old driver can be as high as $5,502.

View Chart as Image