How does Honda Civic car insurance work?
Insuring a Honda Civic in Canada is the same as other vehicles - you will need a minimum of $200,000 in third party liability coverage. Mandatory coverage also included accident benefits and uninsured motorist protection. Overall, Honda Civic insurance works like regular car insurance in Ontario, with the addition of coverage catering to each driver's unique needs.
Considering factors like your age, the year and model of your Honda vehicle, and its attractiveness to thieves is crucial for insurance. This brand is a frequently targeted brand for theft in Canada - the Civic was featured on Équité Association's 2023 ranking of the top 10 most stolen vehicles nationwide.
How much does Honda Civic insurance cost?
Honda Civic car insurance is higher than the average cost compared to other Honda models, depending on the base and model you get. The average annual premium is $2,166, based on customer quote data collected from 2024-2025 (January 1, 2024 to April 15, 2025) 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 $2,264.
| Brand |
Premium |
Monthly Payment |
| Honda |
$2,244 |
$187 |
| Subaru |
$1,983 |
$165 |
| Toyota |
$2,190 |
$183 |
| Nissan |
$2,093 |
$174 |
| Hyundai |
$2,227 |
$186 |
| Kia |
$2,088 |
$174 |
| Volvo |
$2,138 |
$178 |
| Volkswagen |
$2,176 |
$181 |
Honda Civic rate changes by year
Car insurance rates for Civic models have lowered slightly since 2022. In 2022, the average rate for a Civic was $2,510 for drivers with a clean record. In 2025, average costs are $2,166.
| Year |
Average annual premium |
| 2025 |
$2,166 |
| 2024 |
$2,299 |
| 2023 |
$2,375 |
| 2022 |
$2,510 |
| Average rate (2022-25) |
$2,338 |
*
Honda Civic car insurance rate changes by city in Ontario
Where you live is another factor that will affect your car insurance quote. Honda Civic insurance costs can vary greatly by your home city. For example, car insurance in Toronto for a Civic is more affordable than the provincial average and significantly more affordable compared to Brampton and Mississauga, and other cities. See the comparison here:
| City |
Avg Premium |
Monthly |
| Ontario |
$2,277 |
$190 |
| Toronto |
$2,119 |
$177 |
| Ottawa |
$1,959 |
$163 |
| Hamilton |
$2,356 |
$196 |
| Mississauga |
$2,462 |
$205 |
| London |
$2,295 |
$191 |
| Kitchener |
$2,134 |
$178 |
| Brampton |
$3,052 |
$254 |
| Guelph |
$2,208 |
$184 |
| Markham |
$2,419 |
$202 |
| Barrie |
$2,379 |
$198 |
| Oshawa |
$2,350 |
$196 |
| Burlington |
$1,382 |
$115 |
| St. Catharines |
$1,866 |
$156 |
| Newmarket |
$1,739 |
$145 |
| Richmond Hill |
$2,373 |
$198 |
| Milton |
$2,237 |
$186 |
| Cambridge |
$2,443 |
$204 |
| Oakville |
$1,533 |
$128 |
| Whitby |
$1,935 |
$161 |
| Ajax |
$2,680 |
$223 |
| North York |
$2,710 |
$226 |
*
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 models is $690 on average. You can easily save money on insurance by choosing a base model.
| Vehicle |
Premium |
Monthly Payment |
| Touring |
$2,674 |
$223 |
| Sport |
$2,830 |
$236 |
| EX |
$2,237 |
$186 |
| Si |
$1,984 |
$165 |
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 on the lower end of coverage costs, compared to similar models from different brands.
| Brand |
Premium |
Monthly Payment |
Difference |
| Honda Civic |
$2,166 |
$181 |
|
| Toyota Corolla |
$2,278 |
$190 |
5.17% |
| Hyundai Elantra |
$2,335 |
$195 |
7.80% |
| Mazda 3 |
$2,094 |
$175 |
-3.43% |
| Kia Forte |
$2,306 |
$192 |
6.46% |
| Nissan Sentra |
$2,207 |
$184 |
1.89% |
Honda Civic insurance by driver type
Demographics and driving history will alter how much you pay. On average, drivers with a clean driving record will pay $2,166 ($181 monthly) for Honda Civic coverage. Male drivers can see higher rates at $196 for monthly payments.
Those with an accident or ticket on their record will also see a rate bump, and even higher rates can appear if you are a high-risk driver, which can cost you $7,986 yearly ($666 monthly). Young drivers will be looking at a monthly payment of $214 for a Civic, depending on their driving record.
| |
Premium |
Monthly |
| Driver type |
| All drivers |
$2,166 |
$181 |
| Young drivers (25 and under) |
$2,568 |
$214 |
| Middle age (26 - 50) |
$2,348 |
$196 |
| Mature/senior drivers (50+) |
$1,764 |
$147 |
| High risk drivers |
$7,986 |
$666 |
| Demographics |
| Male |
$2,352 |
$196 |
| Female |
$2,089 |
$174 |
| Married |
$2,275 |
$190 |
| Single |
$2,294 |
$191 |
| Driving record |
| Clean driving record |
$2,166 |
$181 |
| 1 ticket within the past 3 years |
$2,518 |
$210 |
| 1 accident in 3 years |
$2,915 |
$243 |
| 1 cancellation in 3 years |
$2,761 |
$230 |
| 1 suspension in 3 years |
$2,623 |
$219 |
**
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 compare. Here's an overview of Honda Civic auto insurance premiums by company:
| Insurer |
Lowest quote |
| Aviva |
$2,803 |
| Intact |
$2,420 |
| Gore |
$1,974 |
| Pembridge |
$2,461 |
| Economical |
$3,324 |
| Wawanesa |
$2,544 |
| SGI Canada |
$2,520 |
| Echelon |
$4,140 |
| Coachman |
$3,446 |
| Dominion |
$3,615 |
*
