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Your Honda Civic insurance cost will vary based on multiple factors such as your province, driving record, the age of your vehicle and how much coverage you want. We’ve compiled an analysis of the average cost of Honda Civic insurance based on a standard driver profile below. Just be aware that this price will fluctuate and is only meant to serve as a guideline.
How much does Honda Civic insurance cost in Canada?
The average Honda Civic insurance cost is around $265 a month or $3,180 a year (for a 2021 model). With a base price of $23,475, the annual insurance cost–to–base car price ratio is 14%. This popular sedan has a high theft rate, causing high insurance rates compared to other sedans.
To determine your estimated Honda Civic insurance cost, we aggregated quotes from insurance companies using this profile:
2021 Honda Civic LX 4dr
20,000 km driven yearly
35-year old female driver living in Ontario
No accidents, perfect driving record
Our estimated price is for comprehensive coverage, which includes the required minimum third-party liability coverage, collision, and addition vandalism and theft protection.
Other factors that can affect the average Honda Civic insurance cost
Honda Civic model year
Vehicle’s trim
Amount of coverage you need
Estimated kilometres you drive in a year
Vehicle’s safety and anti-theft features
Driver’s credit score and location
Driver’s age, marital status and gender
Driving history in the past 10 years
Whether the driver rents, leases or owns the vehicle
Originally released in 1972, the Honda Civic has since become one of the best selling vehicles in North America. The Civic is currently in its tenth generation, which is available as a coupe, sedan or hatchback. Packed with a number of safety and driver assistance features, finding coverage for the Honda Civic should be no problem.
Compare free Honda Civic insurance quotes online
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Your actual Honda Civic insurance cost could vary depending on where you live, what your driving record looks like, the annual kilometres you drive and other factors. This is why it’s important to get Honda insurance quotes that reflect your situation. For example, rates in Ontario are among the highest in the country compared to provinces like Quebec and PEI.
Average Honda insurance cost by model
Model
Monthly insurance rate
Base car price
Accord
$249
$34,090
Civic
$265
$23,475
Clarity
$260
$46,290
CR-V
$190
$31,760
Fit
$267
$18,075
HR-V
$260
$27,155
Insight
$251
$30,260
Odyssey
$267
$45,060
Passport
$220
$45,260
Pilot
$248
$44,560
Ridgeline
$192
$46,310
To determine these estimated costs, we aggregated quotes from insurance companies using this profile:
Single, 35 year old female
Latest model vehicle
20,000 km driven yearly
Perfect driving record
Equipped with winter tires
Driver located in Etobicoke, Ontario
Our estimated price is for full insurance coverage, which usually includes mandatory liability coverage, comprehensive and collision coverage.
Other factors that can affect your auto insurance rate
The model year
The vehicle’s trim
The amount of coverage you need
The estimated kilometres you drive in a year
The vehicle’s safety and anti-theft features
The driver’s credit score
The driver’s location
The driver’s age
The driver’s driving history in the past several years
The driver’s marital status
Your (or the driver’s) gender
Whether the driver rents, leases or owns the vehicle
How to compare Honda Civic insurance in Canada
Here are a few factors to consider when comparing Honda Civic insurance:
Price. In order to accurately compare prices, it’s important to use the same information when getting Honda Civic auto insurance quotes from providers.
Deductible. Your deductible amount can affect the cost of your premiums. The higher your deductible, the lower your premium in most cases (and vice versa).
Minimum coverage. Minimum coverage amounts can vary by province so it’s important to make sure your policy is substantial enough to cover your needs.
Additional coverage. You can add supplementary coverage such as accident forgiveness or emergency assistance for an added fee.
Restrictions. Find out if any restrictions apply to your Honda Civic insurance policy to avoid gaps in coverage or denied claims.
Manufacturer offer or loyalty discount. Ask your dealership if you’re eligible for manufacturer offers or loyalty discounts to save on your insurance.
Warranty. Find out what’s covered by your manufacturer or extended warranty to avoid paying for overlapping Honda insurance coverage.
Tips to get the lowest cost for Honda Civic insurance
You can lower your Honda Civic insurance cost if you follow these tips:
Choose a less sporty model. Avoid purchasing a 2-door coupe or a 6-cylinder Honda Civic if you want to save on insurance.
Use anti-theft devices. Upgrade your vehicle with anti-theft devices such as a car alarm or steering wheel lock to lower your premiums.
Increase your deductible. Cut your Honda Civic insurance costs by increasing the deductible you have to pay to make a claim.
Practice defensive driving. Take a course or download a safe driving app to qualify for lower Honda Civic insurance premiums with some agents.
Bundle your insurance. Some providers let you bundle your Honda Civic insurance with other types of insurance (such as home or multi-car insurance) to save money.
Compare multiple policies. Compare several providers to make sure you get the lowest Honda Civic insurance cost possible.
What factors affect your Honda Civic insurance cost?
Insurance providers consider your driving history, location, marital status, gender, annual kilometres and many other factors when calculating your premiums. However, one of the most important factors is the actual vehicle you drive. This is because performance, safety features, theft rates and other elements can vary between makes and models. Here’s how the Honda Civic’s characteristics could affect the cost of car insurance.
Body type. The Civic is available in a coupe, sedan, or hatchback. The sedan and hatchback versions should be cheaper to insure.
Type of car. The Honda Civic is designed for light use like family trips and daily driving. Its low-risk profile could reduce the cost of insurance.
Theft. Earlier Honda Civics were frequently stolen, but the newer models come equipped with great security features. That said, sedans are stolen more frequently than any other type of vehicle, so choosing that option could lead to more expensive auto insurance.
Repairs. Parts and service should be easy to find and affordable. This could bring down the cost of insurance.
Safety ratings. The Honda Civic holds near-perfect safety ratings in almost every category, which may reduce the cost of your premiums.
Fuel type. Gas vehicles are generally cheaper to insure than diesel or hybrid vehicles. Since the Civic runs on gas, insurance premiums should be cheaper.
Trim & packages. Choosing packages that increase power or overall value could raise the cost of insurance. However, features that improve visibility and safety may reduce the cost.
You could save money on your Honda Civic car insurance if your vehicle comes equipped with these safety features.
Airbags
Anti-lock brakes
Anti-theft device
Parking sensors
Surround view camera system
Daytime running lights
Electronic stability control
Seatbelt pretensioners
Rear backup sensors
Lane-departure warning systems
Adaptive cruise control
How much does a Honda Civic cost?
The cost of a Honda Civic will vary depending on where you buy, what year the car is and how much interest you have to pay over time. Honda Civic costs for a 2020 model can vary between $18,500 and $28,900. You’ll usually pay less for older models, especially if you buy them used. You’ll also pay less for basic builds that don’t include extras such as sunroofs, chrome rims or heated seats.
How much is a Honda Civic when you buy it used?
A Honda Civic will typically cost less when you buy it used, especially if it’s an older model. For example, you may be able to buy a used 2016 Honda Civic with low kms for as little as $12,000. The price you get will depend on the condition of the vehicle, how much mileage it has and where you buy it.
How much is a Honda Civic when you buy the basic model?
The Honda Civic cost for a basic model will almost always be less expensive than a more “souped up” version. Different trims also come with different prices so you should do your own research to find the model that has the features you want at a price you can afford. Avoid going for the sporty models if you want to save money on your Honda Civic insurance cost as well.
Can I get discounts on my Honda Civic insurance cost?
Your car could be eligible for Honda Civic insurance discounts depending on which provider you choose. Look for the following discounts when you make your comparison:
The Honda Civic is an affordable daily driver that’s designed to run smoothly with little maintenance costs. While it won’t require maintenance as often as a sports car would, keeping a routine service schedule is always a good idea. Even standard procedures like oil changes, replacing air filters and inspecting parts can help keep your maintenance costs down in the long run.
Examples of Honda Civic maintenance costs
Requirements
Frequency
Costs
Oil change
Every 3 months or 5,000 km
$50 to $150
Replace air filters
Between 20,000 and 40,000 km or every 2 years
$20 to $40
Replace fuel filter
Once per year
$50 to $150
Full vehicle inspection
Once per year
$80 to $150
There are many other Honda Civic maintenance costs you’ll need to consider aside from those in the table above. The average Honda Civic maintenance cost will probably run you between $200 and $500 per year. That said, the cost could be much steeper if you need significant repairs or you don’t perform routine maintenance.
Is an extended warranty worth it for the Honda Civic?
The Honda Civic is backed by Honda’s standard 3-year/60,000-kilometre warranty and 5-year/100,000-kilometre powertrain warranty. The warranty also covers genuine Honda accessories for 3 years or 60,000 kilometres, as long as they are installed when the vehicle is purchased. Additionally, the Civic comes with a 3-year/unlimited-miles corrosion warranty and 3 year emergency roadside assistance.
You may be able to keep your Honda Civic maintenance costs lower if you sign up for an extended warranty. This usually won’t cover routine Honda Civic maintenance costs but it could cover you for larger and more costly repairs.
Bottom line on Honda Civic insurance cost
The cost of Honda Civic auto insurance varies based on a number of personal factors such as your driving record, age, location and coverage amounts. You can find out more about the Honda Civic insurance cost you’ll have to pay by comparing your options and requesting quotes with multiple providers.
Frequently asked questions about Honda Civic insurance
The reigning theory about why Honda Civic insurance is so high is because it’s a compact car (which means people are more likely to race it) and it shows up on the list of regularly stolen vehicles in Canada. For more information about why your Honda Civic insurance cost is so high, you may want to speak to your insurance provider.
The average Honda Civic insurance cost is around $265 a month or $3,180 a year. This number may go up or down based on a number of factors. These include what your driving record looks like, how much of the car is paid off, how much insurance coverage you have and how big your deductible is.
It will usually depend on which type of vehicle you want to insure. If you’re insuring a sporty Honda Civic vs a Toyota minivan, you’ll likely pay more for insurance on the Civic. The same could be said if you flipped the tables and went for a more basic Honda model vs a high-end or souped-up Toyota. Your best bet is to look at the specific car you want and compare that against insurance costs from multiple providers to get the best deal.
Honda Civic car insurance will never be one-size-fits-all, so the best way to find the best auto insurance provider is to get multiple quotes and compare your options. The Civic comes with an array of safety features that may be eligible for auto insurance discounts, so you should include all details when getting quotes in order to get accurate estimates.
Claire Horwood is a writer at Finder, specializing in credit cards, loans and other financial products. She has a Bachelor of Arts in Gender Studies from the University of Victoria, and an Associate’s Degree in Science from Camosun College. Much of Claire’s coursework has focused on writing and statistics, with a healthy dose of social and cultural analysis mixed in for good measure. In her spare time, Claire enjoys rock climbing, travelling and drinking inordinate amounts of coffee.
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