Honda Civic insurance group and cost

Compare car insurance costs for your Honda Civic by age and location.

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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.

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 £700 for cover on a Honda Civic 1.4 i-VTEC SE 5d, which is a group 8 model
  • or around £816 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.

Model / Version Group (1-50) 20yrs 30yrs 40yrs 50yrs Get quote
1.4 i-VTEC S (03/15-) 5d 5 £1,126 £653 £573 £462 Get Quote
1.4 i-VTEC S (Nav) 5d 5 £1,126 £653 £573 £462 Get Quote
1.4 i-VTEC SE Plus 5d 5 £1,126 £653 £573 £462 Get Quote
1.4 i-VTEC SE Plus (Nav) 5d 6 £1,159 £672 £589 £475 Get Quote
1.4 i-VTEC Sport 5d 7 £1,185 £688 £602 £486 Get Quote
1.4 i-VTEC SE 5d 8 £1,207 £700 £613 £495 Get Quote
1.4 i-VTEC SE-T 5d 8 £1,207 £700 £613 £495 Get Quote
1.4 i-VTEC S 5d 8 £1,207 £700 £613 £495 Get Quote
1.8 i-VTEC S (03/15-) 5d 13 £1,302 £756 £662 £534 Get Quote
1.8 i-VTEC S (03/15-) 5d Auto 13 £1,302 £756 £662 £534 Get Quote
1.8 i-VTEC S (Nav) 5d 14 £1,325 £768 £673 £543 Get Quote
1.8 i-VTEC S (Nav) 5d Auto 14 £1,325 £768 £673 £543 Get Quote
1.8 i-VTEC Sport (Nav) 5d 14 £1,325 £768 £673 £543 Get Quote
1.8 i-VTEC Sport (Nav) 5d Auto 14 £1,325 £768 £673 £543 Get Quote
1.8 i-VTEC Sport 5d 14 £1,325 £768 £673 £543 Get Quote
1.8 i-VTEC Sport 5d Auto 14 £1,325 £768 £673 £543 Get Quote
1.8 i-VTEC SE Plus (03/15-) 5d 14 £1,325 £768 £673 £543 Get Quote
1.8 i-VTEC SE Plus (03/15-) 5d Auto 14 £1,325 £768 £673 £543 Get Quote
1.8 i-VTEC SE Plus (Nav) 5d 14 £1,325 £768 £673 £543 Get Quote
1.8 i-VTEC SE Plus (Nav) 5d Auto 14 £1,325 £768 £673 £543 Get Quote
1.8 i-VTEC SR (03/15-) 5d 14 £1,325 £768 £673 £543 Get Quote
1.8 i-VTEC SR (03/15-) 5d Auto 14 £1,325 £768 £673 £543 Get Quote
1.8 i-VTEC SR (DASP) 5d 14 £1,325 £768 £673 £543 Get Quote
1.8 i-VTEC SR (DASP) 5d Auto 14 £1,325 £768 £673 £543 Get Quote
1.6 i-DTEC SE 5d 15 £1,346 £781 £684 £552 Get Quote
1.6 i-DTEC S (03/15-) 5d 15 £1,346 £781 £684 £552 Get Quote
1.6 i-DTEC S (Nav) 5d 15 £1,346 £781 £684 £552 Get Quote
1.6 i-DTEC S 5d 15 £1,346 £781 £684 £552 Get Quote
1.8 i-VTEC S 5d 15 £1,346 £781 £684 £552 Get Quote
1.8 i-VTEC S 5d Auto 15 £1,346 £781 £684 £552 Get Quote
1.8 i-VTEC SE Plus-T 5d 15 £1,346 £781 £684 £552 Get Quote
1.8 i-VTEC SE Plus-T 5d Auto 15 £1,346 £781 £684 £552 Get Quote
1.6 i-DTEC Sport (Nav) 5d 15 £1,346 £781 £684 £552 Get Quote
1.6 i-DTEC Sport 5d 15 £1,346 £781 £684 £552 Get Quote
1.6 i-DTEC SE Plus (03/15-) 5d 15 £1,346 £781 £684 £552 Get Quote
1.6 i-DTEC SE Plus (Nav) 5d 15 £1,346 £781 £684 £552 Get Quote
1.6 i-DTEC SE Plus 5d 15 £1,346 £781 £684 £552 Get Quote
1.8 i-VTEC SE Plus 5d 15 £1,346 £781 £684 £552 Get Quote
1.8 i-VTEC SE Plus 5d Auto 15 £1,346 £781 £684 £552 Get Quote
1.8 i-VTEC SR 5d 15 £1,346 £781 £684 £552 Get Quote
1.8 i-VTEC SR 5d Auto 15 £1,346 £781 £684 £552 Get Quote
1.8 i-VTEC EX Plus (03/15-) 5d 15 £1,346 £781 £684 £552 Get Quote
1.8 i-VTEC EX Plus (03/15-) 5d Auto 15 £1,346 £781 £684 £552 Get Quote
1.8 i-VTEC Ti 5d 16 £1,364 £791 £693 £560 Get Quote
1.6 i-DTEC SE-T 5d 16 £1,364 £791 £693 £560 Get Quote
1.6 i-DTEC Black Edition 5d 16 £1,364 £791 £693 £560 Get Quote
1.8 i-VTEC Black Edition 5d 16 £1,364 £791 £693 £560 Get Quote
1.8 i-VTEC Black Edition 5d Auto 16 £1,364 £791 £693 £560 Get Quote
1.6 i-DTEC ES 5d 16 £1,364 £791 £693 £560 Get Quote
1.8 i-VTEC ES 5d 16 £1,364 £791 £693 £560 Get Quote
1.8 i-VTEC ES 5d Auto 16 £1,364 £791 £693 £560 Get Quote
1.6 i-DTEC ES-T 5d 16 £1,364 £791 £693 £560 Get Quote
1.8 i-VTEC ES-T 5d 16 £1,364 £791 £693 £560 Get Quote
1.8 i-VTEC ES-T 5d Auto 16 £1,364 £791 £693 £560 Get Quote
1.6 i-DTEC SE Plus-T 5d 16 £1,364 £791 £693 £560 Get Quote
1.6 i-DTEC EX 5d 16 £1,364 £791 £693 £560 Get Quote
1.6 i-DTEC SR (03/15-) 5d 16 £1,364 £791 £693 £560 Get Quote
1.6 i-DTEC SR (DASP) 5d 16 £1,364 £791 £693 £560 Get Quote
1.6 i-DTEC SR 5d 16 £1,364 £791 £693 £560 Get Quote
1.6 i-DTEC EX Plus (03/15-) 5d 16 £1,364 £791 £693 £560 Get Quote
1.6 i-DTEC EX Plus 5d 16 £1,364 £791 £693 £560 Get Quote
1.8 i-VTEC EX Plus 5d 16 £1,364 £791 £693 £560 Get Quote
1.8 i-VTEC EX Plus 5d Auto 16 £1,364 £791 £693 £560 Get Quote
1.8 i-VTEC EX GT (ACC/CMBS) 5d 17 £1,379 £800 £701 £566 Get Quote
1.8 i-VTEC EX GT (ACC/CMBS) 5d Auto 17 £1,379 £800 £701 £566 Get Quote
1.8 i-VTEC EX GT 5d 17 £1,379 £800 £701 £566 Get Quote
1.8 i-VTEC EX GT 5d Auto 17 £1,379 £800 £701 £566 Get Quote
2.2 i-DTEC SE 5d 18 £1,390 £807 £707 £570 Get Quote
2.2 i-DTEC SE-T 5d 19 £1,399 £812 £711 £574 Get Quote
2.2 i-DTEC ES 5d 19 £1,399 £812 £711 £574 Get Quote
2.2 i-DTEC ES-T 5d 19 £1,399 £812 £711 £574 Get Quote
2.2 i-DTEC EX 5d 19 £1,399 £812 £711 £574 Get Quote
2.2 i-DTEC EX GT (ACC/CMBS) 5d 20 £1,407 £816 £715 £577 Get Quote
2.2 i-DTEC EX GT 5d 20 £1,407 £816 £715 £577 Get Quote

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: £968 (London SE1)
  • Average: £807 (Newcastle NE1)
  • Cheap: £597 (Galashiels TD1)

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?

Danny Butler
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 £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.

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

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*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (July ’22). 51% of car insurance customers could save £370.37
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