Estimated insurance rates for a Honda Civic LX 4-Dr Sedan are $1,384 a year for full coverage. Comprehensive insurance costs approximately $258, collision insurance costs $604, and liability costs $364. Liability-only coverage costs as little as $430 a year, and high-risk coverage costs $3,024 or more. Teenage drivers pay the most at up to $5,212 a year.
For a driver in their 40's, insurance rates for a Honda Civic LX 4-Dr Sedan range from as low as $430 for just liability insurance to a much higher rate of $3,024 for a driver who has had serious violations or accidents.
These rate differences show why anyone shopping for car insurance should compare rates using their specific location and risk profile, instead of using average rates.
Insurance rates for a Honda Civic LX 4-Dr Sedan also have a wide range based on your driving characteristics, the model year of your Civic, and physical damage deductibles and liability limits.
Where you choose to live makes a big difference in Honda Civic LX 4-Dr Sedan insurance prices. A 40-year-old driver could pay as low as $900 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,950 on average in Montana, Louisiana, and Michigan. Rates by state and city are shown later in the article.
With such a large range of rates, the only way to know which company is cheapest is to compare rates and see which company has the best rate. Every company uses a different method to calculate rates, so the rates will be substantially different from one company to the next.
Chart shows Honda Civic LX 4-Dr Sedan insurance rates for various risk profiles and scenarios. The best rate after discounts is $781. Drivers who use higher $1,000 deductibles will pay around $1,188. The average rate for a middle-aged driver with a clean driving record using $500 deductibles is $1,384. Using more expensive $100 deductibles for comprehensive and collision insurance can cost as much as $1,766. Drivers with multiple violations and accidents could be charged up to $3,024. The price for full coverage for a teenager is $5,212.