To quote the Simpsons: “short answer yes, with an if... long answer no, with a but...”
I think the “wars” part of Star Wars skews our perspective a bit- a lot of the ships we see are explicitly military, or converted freighters that are used in battle. However, of the few civilian vehicles I can think of- Luke or Bail’s speeders, Ahsoka’s bike, that bus thing that Ani and Padme take in AotC- I don’t recall those having weapons. It is somewhat strange that a cargo ship like the Silver Angel would have guns- iirc, most modern freighters do not. However, Star Wars is lousy with pirates, smugglers, and gangsters- so maybe it’s just a given that any transport ship is going to need to defend itself.