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Honda Civic EX-L 4-Dr Sedan Insurance Rates

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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:

Comprehensive $284
Collision $666
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 40-year-old driver, insurance rates for a Honda Civic EX-L 4-Dr Sedan range from as cheap as $430 for liability-only coverage to the much higher price of $3,224 for high-risk insurance.

Liability Only $430
Full Coverage $1,472
High Risk $3,224

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.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

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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

Honda Civic EX-L 4-Dr Sedan insurance cost comparison chart
Column chart showing Honda Civic EX-L 4-Dr Sedan insurance prices range from $825 to $5,502 for full coverage

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.

Honda Civic EX-L 4-Dr Sedan Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,332 -$140 -9.5%
Alaska $1,128 -$344 -23.4%
Arizona $1,224 -$248 -16.8%
Arkansas $1,472 -$0 0.0%
California $1,678 $206 14.0%
Colorado $1,408 -$64 -4.3%
Connecticut $1,514 $42 2.9%
Delaware $1,668 $196 13.3%
Florida $1,842 $370 25.1%
Georgia $1,362 -$110 -7.5%
Hawaii $1,058 -$414 -28.1%
Idaho $996 -$476 -32.3%
Illinois $1,096 -$376 -25.5%
Indiana $1,108 -$364 -24.7%
Iowa $994 -$478 -32.5%
Kansas $1,400 -$72 -4.9%
Kentucky $2,010 $538 36.5%
Louisiana $2,180 $708 48.1%
Maine $910 -$562 -38.2%
Maryland $1,216 -$256 -17.4%
Massachusetts $1,178 -$294 -20.0%
Michigan $2,560 $1,088 73.9%
Minnesota $1,232 -$240 -16.3%
Mississippi $1,766 $294 20.0%
Missouri $1,306 -$166 -11.3%
Montana $1,582 $110 7.5%
Nebraska $1,162 -$310 -21.1%
Nevada $1,768 $296 20.1%
New Hampshire $1,062 -$410 -27.9%
New Jersey $1,646 $174 11.8%
New Mexico $1,304 -$168 -11.4%
New York $1,552 $80 5.4%
North Carolina $850 -$622 -42.3%
North Dakota $1,208 -$264 -17.9%
Ohio $1,016 -$456 -31.0%
Oklahoma $1,514 $42 2.9%
Oregon $1,350 -$122 -8.3%
Pennsylvania $1,406 -$66 -4.5%
Rhode Island $1,964 $492 33.4%
South Carolina $1,336 -$136 -9.2%
South Dakota $1,242 -$230 -15.6%
Tennessee $1,292 -$180 -12.2%
Texas $1,776 $304 20.7%
Utah $1,092 -$380 -25.8%
Vermont $1,008 -$464 -31.5%
Virginia $882 -$590 -40.1%
Washington $1,138 -$334 -22.7%
West Virginia $1,352 -$120 -8.2%
Wisconsin $1,022 -$450 -30.6%
Wyoming $1,314 -$158 -10.7%

View Chart as Image

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

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Rates by Driver Age

Honda Civic EX-L 4-Dr Sedan Insurance Rates by Driver Age
Driver Age Premium
16 $5,502
20 $3,468
30 $1,544
40 $1,472
50 $1,346
60 $1,324

Full coverage, $500 deductibles

Rates by Deductible

Honda Civic EX-L 4-Dr Sedan Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,898
$250 $1,698
$500 $1,472
$1,000 $1,258

Full coverage, driver age 40

Rates by Liability Limit

Honda Civic EX-L 4-Dr Sedan Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,472
50/100 $1,545
100/300 $1,636
250/500 $1,872
100 CSL $1,581
300 CSL $1,781
500 CSL $1,927

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Civic EX-L 4-Dr Sedan Insurance Rates for High Risk Drivers
Age Premium
16 $7,876
20 $5,524
30 $3,304
40 $3,224
50 $3,080
60 $3,056

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 $214

Potential Rate Discounts

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

Discount Savings
Multi-policy $79
Multi-vehicle $79
Homeowner $20
5-yr Accident Free $117
5-yr Claim Free $97
Paid in Full/EFT $73
Advance Quote $77
Online Quote $105
Total Discounts $647
Rate after discounts $825

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

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