Are Honda Civics cheap to insure?
Get to grips with Honda Civic insurance groups and prices in our guide
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Insurance for Honda Civic models is likely one of the first things you’re looking into when considering these stylish hatchbacks.
The unique look of the Civic has evolved over the years into an angular compact car with hybrid capabilities.
Not only are they stylish, they’re great to drive and can be affordable to run as well – especially if you choose a hybrid model.
But the big question is, ‘Is a Honda Civic cheap to insure?’ Find out in our guide below.
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Honda Civic insurance group ratings
Insurance groups are a handy way to get an idea of insurance prices. Starting at group one and going up to 50, look for cars in lower insurance groups to get the best price.
Things that can influence car insurance groupings include:
Performance of the car
Security features
Safety
Cost of the car when new
Honda Civic insurance groups (2017 to 2022)
As a pretty premium hatchback, the Honda Civic can be surprisingly affordable to insure. Civic models range from 2017 to 2022 typically sit in insurance groups 15 to 22.
The 1.0-litre VTEC Turbo S engine is typically the least expensive to insure, while the Sport 182PS VTEC are some of the most expensive.
Honda Civic insurance groups (2022 onwards)
For newer Honda Civic models from 2022 onwards, insurance groups are typically higher. The 2.0-litre eHEV engines sit in group 28, across the Elegance, Sport and Advance models.
If you choose a Honda Civic that was registered after 1 August 2024, your insurance price will depend on 'Vehicle Risk Ratings' instead of the older insurance group method.
Vehicle Risk Ratings look at things like the desirability, safety and security of your car to determine insurance costs.
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Most affordable Honda Civic models to insure
The more affordable Honda Civic models to insure are typically the older models. They’re cheaper to buy, which often means they’re cheaper to insure.
Looking for the cheapest models to get covered? The 1.0 VTEC Turbo S sits in group 15 and is among the lowest insurance groups, while the S 120PS i-DTEC is slightly higher but still typically affordable in group 18.
If you want to keep insurance costs down, it’s probably best to avoid a Honda Civic Type-R. They sit in groups 38 to 41 because of the 2.0 VTEC Turbo engines that prioritise performance and power.
Average Civic insurance cost for young drivers
It’s hard to offer an average price for Honda Civic insurance as there are personal factors that impact the cost, regardless of the insurance group.
Driving experience, previous insurance claims, and where you park your car overnight are just a couple of things that affect the price.
Typically, young drivers (or new drivers) will end up paying more for Civic insurance. Insurers see drivers with less experience as high risk, so this tends to bump the price.
On the bright side, car insurance tends to get cheaper the more experience you have. You might find that your second year of Honda Civic insurance will be cheaper than the first.
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How Civic insurance prices compare to rivals
The Honda Civic rivals plenty of other compact cars, but does it offer cheaper insurance?
Honda Civic vs. Toyota Corolla
The Toyota Corolla (2019 onwards) ranges from insurance groups 15 to 22, making it pretty on par with the Civic (except the Type R, of course).
Honda Civic vs. Mazda3
Another impressive Japanese offering, the Mazda3 (2019 onwards) sits in insurance groups 16 to 24. This means prices will be similar to the Civic, depending on the model you choose.
Honda Civic vs. SEAT Leon
A SEAT Leon from 2013 to 2020 will typically sit in insurance groups 12 to 36, so there’s much more price variation than the Civic models.
Choose options like the 1.2 TSI engines to get cheap Leon insurance that rivals the Civic’s lowest prices.
Getting cheaper Honda Civic car insurance
There are a few ways you might be able to get cheaper Honda Civic insurance. You could consider:
Getting quotes from insurance comparison sites
If possible, cutting down your annual mileage
Black box insurance for discounts
Skip the car modifications
Parking your car in a safer overnight spot
Adding another driver with more driving experience to your policy
Take a look at our full range of used Honda Civic cars to find your fit.