Per the (canon) Star Wars - The Force Awakens - Incredible Cross-Sections factbook, most starships (which presumably included civilian ships) use concussion shields to protect themselves from space debris. Those that are likely to face enemy action are also liable to be equipped with ray and particle shields.
Shields are protective force fields that repel solid
objects or absorb energy. Concussion shields repel
space debris, while two varieties of deflector shield
protect craft in battle. Ray shields deflect or scatter
energy beams, while particle shields diffuse impacts
from high-velocity projectiles and proton weapons.
A shield's intensity gradually diminishes with distance
from its projector. Most starships use a combination of
ray and particle shielding for the most reliable protection.
The (Legends) YT-1300 Millennium Falcon Owners' Workshop Manual factbook goes into a little more detail about the sorts of shields usually equipped by civilian spacecraft.
Vital to survival aboard nearly every starship, deflector
shields surround a ship in protective force fields. A
deflector shield generator, the shield’s power source,
determines the shield’s strength, radius, and also the
amount of damage it can absorb. Deflector shields
are projected just a few molecules underneath hull
plating, but different power settings and configurations
can extend a shield farther away from the hull. Smaller
ships, such as starfighters, are typically equipped with
a single deflector shield generator that can be adjusted
and directed to protect specific parts of the vessel, while
larger ships have multiple deflector shield generators
dedicated to different areas.
There are two types of deflector shields: particle
shielding and ray shielding. Particle shielding repels
solid objects such as space debris and high-velocity
projectiles. Because particle shielding completely
surrounds a ship, it must be temporarily turned off
before a ship can fire its own missile, launch an escape
pod, or receive a shuttlecraft.
Ray shielding, also known as energy shielding,
protects against stellar and magnetic radiation, lasers,
blasters, and other energy beams. Ray shielding
does not stop solid matter. Because large amounts of
energy are required to maintain ray shielding, ships
equipped with ray-shield generators typically set the
shields at a low-energy level as a standard defense
against radiation, and increase power to the shields
as a defense against enemy fire.
Although both types of shielding are needed for
complete protection, the Empire restricted the use of
high-energy ray shielding to gain a tactical advantage
over most private and commercial vessels in Imperial
space. Non-Imperial vessels were required to apply
for permits to carry ray shielding, but the standard
explanation of ’fear of piracy’ was usually sufficient to
Classical TIE-Fighters lack shielding and life support in order to save space and to increase their efficiency as short-range fighter craft.