Honda Civic insurance group and cost

The Honda Civic is a family car produced by the Japanese manufacturer since the mid-1970s. This reliable vehicle is relatively inexpensive to run and insure.

In this guide, we’ll look in more detail at Honda Civic car insurance costs and how you could save on your premiums.

How much does it cost to insure a Honda Civic?

To give you an idea of how much it could cost you to insure your car, we ran a number of quotes to find an average figure. Our results estimated that, on average, you could insure your Honda Civic with a comprehensive policy for the monthly price of £62.36, or an annual sum of £691.41. However, this is just an average: your actual premium will depend on a number of factors, including the insurance group the car is in.

• How we got this rate

  We generated these quotes using the following assumptions.
  The vehicle is/has:

  • A 2018 model
  • Manual transmission
  • Petrol
  • 1.2 litre engine
  • Factory-fitted alarm system
  • Not modified
  • Used for social, domestic and commuting purposes
  • 10,000 mileage per year
  • Parked in a work car park during the day
  • Parked on a driveway at night

  The driver is/has:

  • A 30-year-old, single teacher living in London
  • A homeowner
  • 5 years no claims discount
  • No driving or other convictions in the last 5 years

Honda Civic insurance groups

Vehicles in the UK are categorised into insurance groups, ranging from 1 (the cheapest) to 50 (the most expensive), which partly determine the cost of your premium.

Honda Civic models range from group 5 to group 20. This means the cost of insurance can vary significantly between various Civic models, although they’re all towards the more affordable end of the spectrum. For example, a 30-year-old driver in an average postcode could pay:

• around £562 for cover on a Honda Civic 1.4 i-VTEC SE 5d, which is a group 8 model
• or around £701 for a group 20 car, like the Honda Civic 2.2 i-DTEC EX GT 5d

That’s a difference of more than £100 to insure the same make of car. The insurance group a model is placed in depends on a number of factors including the model’s engine size and price.

However, the insurance group isn’t the only factor determining the cost of your car insurance: one of the most important other factors is your age. The younger you are, the more risk you represent to insurers, and the more you’re likely to pay for insurance.

That’s why, in the table below, we show you the cost you’d be likely to pay at a few different ages.

• How we got these rates

  These rates are based on the average cost of cover for cars in the insurance groups shown, for drivers of different ages with a Newcastle (NE1) postcode, which our research suggests represents an average for insurance rates in the UK. Updated: June 2024 (source: Confused)

Honda Civic insurance cost by location

The table above shows the average cost of Honda Civic insurance based on insurance groups and driver age. However, many other factors affect the cost of your car insurance premiums, and one of the biggest is where you are in the UK. Where you live helps determine the level of risk that your car may be stolen or that you’ll be involved in an accident, and this affects the cost of insurance.

To demonstrate the power of the postcode, here are some average quotes for a 30-year-old living in three different locations. The quotes are for a Honda Civic 2.2 i-DTEC SE 5d.

• Expensive: £942 (London SE1)
• Average: £613 (Newcastle NE1)
• Cheap: £588.52 (Galashiels TD1)

• How we got these rates

  These rates are based on the average cost of cover for cars in the locations shown. Our research suggests SE1 is one of the most expensive locations, NE1 represents an average cost location and TD1 represents one of the cheapest locations. Updated: June 2024 (source: Confused)

What other factors affect my Honda Civic insurance rate?

We’ve covered the impact of insurance group, driver age and location. Here are some of the other factors that affect your insurance premium costs:

• Your marital status
• Your credit history and job
• Your car’s safety rating score
• The model of your car (particularly the engine type and capacity)
• The age of your car
• Your car’s security and any extra anti-theft precautions
• Annual miles driven
• Your driving history and activity
• No-claims discount

How can I save on insurance premiums for my Honda Civic?

When searching for insurance, you’ll want to find the best deal for a price that’s within your budget. We’ve uncovered some tricks you can try to lower the cost of your premium: take a look below.

• Pay annually rather than monthly. It might be scary to part with a large sum in one go, but if you’re able to pay annually you may be able to save an average of £56.91 a year.
• Limit your car usage (where possible). Occasionally deciding to walk or get public transport, rather than using your car, can help to save on your premiums.
• Don’t just accept your renewal quote. When it’s time for renewal, it’s worth investing a couple of hours to shop around: there may be cheaper options out there.

Is a Honda Civic cheap to insure?

Finder insurance expert Danny Butler answers

Let’s say you’re doing everything you can from the list above: you’re driving less, you’re paying annually, you’re shopping around for insurance quotes. Does that mean you’ll find a Honda Civic cheap to insure?

As we’ve already established, it depends on the model. One factor affecting insurance groups is engine size. In general, the bigger the engine, the higher the cost of your insurance, because these engines are more expensive to repair or replace. A 30-year-old may pay around £659 for the 1.8-litre Honda Civic 1.8 i-VTEC EX GT 5d, but may pay around £701 for the 2.25-litre Honda Civic 2.2 i-DTEC EX GT 5d.

Finally, the safer your car is, the less of a risk it will be for companies to insure, and therefore the lower your premium is likely to be.

Is the Honda Civic safe?

When tested by Euro NCAP in 2017, the Honda Civic was awarded a 5/5 safety rating. It achieved an excellent score of 92% for adult occupant safety, and a score of 75% for child occupant safety and pedestrian safety. The Civic’s safety features also earned it a score of 88% for its safety assist rating.

The Honda Civic comes with a great variety of safety measures as standard. The AEB City and AEB Inter-urban are designed to help you to avoid low speed and rear-ending collisions, with the ability to detect an obstacle and either brake autonomously or increase your braking, whilst the AEB Pedestrian can detect sudden and unexpected obstacles and help decrease your braking distance.

The Civic also features a speed assistance system; this feature helps you to stick to the legal speed limit and avoid any excessive speed that may result in an accident. As well as speed assistance, the Civic also comes with a lane assist system which is designed to help you to keep in your lane and alert you if you begin to drift.

If you want to invest in any further safety measures that are optional to the Honda Civic, visit the Honda website. Ask your insurer about additional safety and/or security features you could install to lower your premiums and keep you and your passengers safe.

The bottom line

A Honda Civic is relatively cheap to insure, but you can use the tips in this guide to help keep your premiums down even further. If you’re on the lookout for a car insurance provider, check out our comprehensive list of the best car insurance companies in the UK.

Frequently asked questions

• What is the top speed of a Honda Civic?

  Depending on the model version, you can expect a Honda Civic to reach a top speed of 168 miles per hour.

• How much car tax do I have to pay for the Honda Civic?

  Car tax rates depend on the car’s emissions: see the UK government website for details.

• Where can I buy a Honda Civic?

  You can buy a Honda Civic at dealerships, using online sellers or from a current owner.

• Where can I find Honda Civic car insurance?

  You can compare the costs of Honda Civic car insurance using any price comparison website.

• Is a Honda Civic a good first car?

  It’s a popular choice with new drivers because it’s easy to handle. Remember, if you’re a young driver your insurance premiums are already likely to be relatively high because of your age, so look for models in lower insurance groups to help keep your costs down.

• Is the Honda Civic cheap to run?

  According to What Car, yes: it’s reliable with good fuel economy (see “Does the Honda Civic use a lot of fuel”, below).

• Is the Honda Civic being phased out?

  Not yet, although some models have been discontinued.

• Does the Honda Civic use a lot of fuel?

  Thanks to its hybrid tech, the Civic averages around 60mpg in tests and over 50mpg on the road.

Compare insurance for other Honda models

Written by

Grace Fletcher-Hackwood

Writer

Grace was a Finder writer specialising in credit and loans. She's been writing about personal finance for several years and enjoys helping consumers sort the facts from the fluff. See full bio