How much does Honda Civic insurance cost?
![Car image with average Honda Civic car insurance cost of $2,378]()
Honda Civic car insurance is higher than the average cost for all Honda models. The average annual premium is $2,378, based on customer quote data collected from 2022 (January 1 to October 31) for Ontario drivers with a G licence, clean record, and for standard coverage.
This is higher than the average premium for Honda insurance, which is $2,238. Civic drivers can expect to pay about $140 more per year (just under $12 per month) than other Honda drivers for insurance.
Civic insurance cost by year
Car insurance rates for Civic models have remained somewhat consistent over the past 4 years. According to our quoter data, premiums have risen by $61 per year since 2019. There was a dip in costs in 2021 because of pandemic relief reimbursements from insurers. Rates have since gone back up. Here’s an overview:
| Year |
Average premium |
| 2022 |
$2,378 |
| 2021 |
$2,238 |
| 2020 |
$2,333 |
| 2019 |
$2,317 |
*Ontario drivers, with a G licence, clean record, standard insurance coverage
Civic insurance costs by model
The Civic model and features you choose influences your insurance payments. The more features and the more expensive package you select is correlated to your premiums. Why? Premium Civic models cost more, have more expensive features, and cost more to repair. They are also more attractive to thieves.
As you can see in the chart below, the difference between the Si and Touring model is $372 per year ($31 per month). You can easily save money on insurance by choosing a base model.
| Model type |
Average premium |
| Touring |
$2,577 |
| Sport |
$2,455 |
| EX |
$2,380 |
| Si |
$2,205 |
Civic insurance costs by region
Where you live is another factor that will affect your car insurance quote. Honda Civic insurance costs in Ontario and Alberta can vary greatly by your home city. If you look at the chart below, it costs more to insure a Civic in Ontario than in Alberta.
Car insurance in Toronto for a Civic is more affordable than the provincial average and significantly more affordable compared to Brampton, and other cities. See the comparison here:
| By region |
Average cost (2022) |
| Ontario |
$2,378 |
| Toronto |
$1,919 |
| Ottawa |
$2,060 |
| Hamilton |
$2,015 |
| Brampton |
$2,868 |
| Alberta |
$2,149 |
| Calgary |
$2,102 |
| Edmonton |
$2,280 |
| Red Deer |
$2,324 |
*Drivers with a full licence, clean record, standard insurance coverage, quotes from January 1, 2022, to October 31, 2022.
What are the average Honda Civic insurance rates compared to other similar models?
When car shopping it’s common for people to compare vehicle models that are within a similar price range. Part of this comparison is seeing how much these models compare insurance-wise.
Based on our internal customer quote data, the Civic is the second most expensive compared to other similar models:
| Model |
Average cost (2022) |
| Toyota Corolla |
$2,389 |
| Honda Civic |
$2,378 |
| Hyundai Elantra |
$2,329 |
| Mazda 3 |
$2,186 |
| Kia Forte |
$2,177 |
| Nissan Sentra |
$2,035 |
*Ontario drivers, with a G licence, clean record, standard insurance coverage, quotes from January 1, 2022, to October 31, 2022.
Honda Civic insurance rates by insurer
People always want to know the most affordable insurance company. So, we decided to compare how much it would cost to insure a Civic with some of our insurance partners. As you can see by the chart below, premiums can vary by hundreds of dollars per year based on the insurer you use.
You won’t be able to know if you are getting the lowest rates unless you comparison shop. Here's an overview of Honda Civic auto insurance premiums by company:
| By insurers |
Average premium |
| Economical |
$2,977 |
| CAA |
$2,489 |
| Wawanesa |
$2,414 |
| Aviva |
$2,375 |
| Intact |
$2,317 |
| Pembridge |
$2,213 |
*Drivers with a full licence, clean record, standard insurance coverage
