Honda Civic insurance group and cost
Find out how much it may cost you to insure your Honda Civic, and how you can keep your premiums low.
What's in this guide?
When it comes to car insurance, providers use a rating system to help determine the cost of your cover. All vehicles are assigned an insurance group from 1 (cheapest) to 50 (most expensive), and Honda Civic models are classed from group 5 to group 20. This means the cost of insurance can vary significantly between various Civic models.
For example, a 30-year-old driver in an average postcode could pay around £700 for cover on a Honda Civic 1.4 i-VTEC SE 5d, or around £816 for a Honda Civic 2.2 i-DTEC EX GT 5d.
You can use the table below to compare the cost of insurance for various Civic models based on insurance group and driver age.
Honda Civic insurance cost by driver’s age
Average Honda Civic insurance cost
To provide you with an idea of how much it may cost you to insure your Honda Civic, we ran several quotes to find an average figure. Our results results estimated that, on average, you could insure your Honda Civic with a comprehensive policy for monthly instalments of £62.36, or an annual sum of £691.41. For our enquiries, we used the following information:
- The car is a 2018 model
- The driver is a 30-year-old teacher from London
- Manual transmission
- 10,000 mileage per year
- Factory fitted Thatcham approved alarm system
- Used for social, domestic and commuting purposes
- The car is not modified
- The car is parked in a car park during the day
- The car is parked on a driveway at night
- Five years no claims discount
- No driving or other convictions for the past 5 years
Honda Civic insurance cost by location
The table above gives you an idea of the average price of insurance based on driver age and insurance group, but there are many other factors that influence how much you’re likely to pay, including where you live.
To show the power of the postcode, here are some average quotes for a 30-year-old living in three different UK locations. The quotes are for a Honda Civic 2.2 i-DTEC SE 5d.
- Expensive: £968 (London SE1)
- Average: £807 (Newcastle NE1)
- Cheap: £597 (Galashiels TD1)
Which factors affect my Honda Civic insurance rate?
While there are many factors that influence the cost of insurance, those that have the biggest impact include:
- Engine type and capacity. Cars with larger engines are likely to cost more to insure. A 30-year-old may pay around £800 for the 1.8-litre Honda Civic 1.8 i-VTEC EX GT 5d, but may pay around £816 for the 2.25-litre Honda Civic 2.2 i-DTEC EX GT 5d.
- Driver location. Your address has a large role in determining the cost of your insurance premium. For example, a 30-year-old in central London will pay roughly £971 for insurance for a Honda Civic 2.2 i-DTEC ES-T 5d, whereas a 30-year-old in Newcastle may pay around £812 for the same model.
- Driver age. The age of the driver age has arguably the biggest impact on insurance, with younger drivers likely to pay a lot more than older, more experienced drivers. As an example, 20-year-old driver in London may have to pay around £1,670 for insurance for a Honda Civic 1.8 i-VTEC EX GT 5d Auto model, but a 40-year-old driver from the same location would only pay around £875.
How can I save on my Honda Civic premiums?
Car insurance is a must, but it shouldn’t leave you completely out of pocket. We’ve devised a list of tricks and tips for you in order to try and keep your premiums down. Our advice includes:
- Pay annually rather than monthly. By paying annually, you could save an average of £56.91 a year!
- Make yourself a secure investment. If you maintain a clear history of no claims and a good credit rating, you might find yourself being rewarded with lower premiums.
- Be economical about your car usage. By occasionally choosing an alternative method of transport, you will keep your car’s mileage, and your premiums, down.
- Don’t just accept your renewal quote. When it’s time for renewal, make sure that you shop around for a price that’s right for you, rather than just accepting your renewal quote.
- Install extra safety precautions. Providers don’t like to insure risks, so the more secure you can make your car, the lower your premiums may be.
- Avoid driving convictions. Driving convictions, or any convictions for that matter, will increase your premiums.
Honda Civic facts
- Honda was originally well-known as a motorcycle manufacturer, and the Civic was the first proper car they sold.
- The Civic was thought to save Honda – when they first entered the car market, their car didn’t do so well, and struggling to distinguish themselves from other companies, Honda considered leaving the automotive market until the Civic.
- As of 2017, the Honda Civic is the fastest front-wheel drive car in the world.
How safe is Honda Civic?
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.
As previously stated, the safer that your car is, the lower you may find your premiums become. 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.
Compare insurance for other Honda models
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