Honda Car Insurance Quotes

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Written by Kayla Jane Barrie Updated on September 11, 2025 min read

Find lower Honda auto insurance rates

Are you looking for car insurance for your Honda? Honda is one of the most recognizable names in the auto industry. Honda's reputation for reliability means you need insurance coverage that matches. At ThinkInsure, we simplify the process, helping you find affordable insurance for all Honda makes and models, ensuring you get the best rates and coverage.

The top 3 things to know about Honda car insurance rates

The average rate for Honda insurance in 2025 is $2,261 for drivers in Ontario.
Honda car insurance costs range dramatically based on where you live. They are as low as $1,382 annually in Burlington to a high of $3,052 annually in Brampton.
Rates have increased by less than $100 annually since 2022.

How much does Honda insurance cost?

Car image with average Honda car insurance cost of $2,244

Our customer data shows that the average insurance cost for Honda-brand vehicles in Ontario is $2,244 per year or $187 per month.

Premiums will fluctuate based on the model you drive. Vehicle features, safety ratings, age, and claims history of the vehicle model are all considered by insurers. .

How to compare Honda car insurance quotes

Compare and save on insurance for your Honda with these easy steps.

1) Begin your quote

Enter your postal code and some basic information.

2) Enter your driving details

Provide your driving and vehicle information.

3) Compare quotes

See quotes from the leading auto insurers.

Get insured

Choose the lowest premium. Confirm the details with our experts and buy your policy.

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5 star car insurance for your Honda

Rated 4.7 out of 5 stars in 1530 Google reviews

See what our customers are saying about getting their vehicles insured with us.

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Raghav Gupta

2025-08-11

I am pretty happy with their services. This my second year through them and I came across an agent Anuraag Jassal Web Customer Service Broker He is the best advisor I ever talked to in my last 7 years of experience. He reviewed my policies and helped me correct some errors which has decreased my premium to almost half. He helped me understand how to read our policy correctly and went over different clauses in detail while deciding on buying a new car etc. I wish there was a way to go and personally meet him as I am going through a rough patch and all the help he has given me in the last month on multiple matters is just amazing. He is actually doing his job and seems like he loves it. Thanks Anuraag Jassal.

Pina Battaglia

2025-08-06

Sohel was amazing. Made the initial process quick and seamless. Very knowledgeable, courteous and friendly.

Ma emma Bergonio

2025-08-05

Sohel is very helpful when it comes to finding the best rate and coverage.

Galit Moroz

2025-08-02

I highly recommend Todd as an insurance broker! He was incredibly helpful, always quick to respond to my questions, and ensured I found the best car insurance to fit my needs. His expertise made the process smooth and stress-free.

preeya mistry

2025-07-31

Had the pleasure of working with Dylan. He goes above and beyond. He is so non-judgmental and super helpful. I highly recommend requesting his help when inquiring.

Mason Khoury

2025-07-27

Dealt with Dylan S, who was able to secure me a phenomenal insurance quote within 48 hours of my renewal deadline (current policy was through ThinkInsure). This lad is amazing at what he does, no other way to put it! I have been dealing with ThinkInsure since I was a student in post secondary & they’ve always done their best to make sure I had an affordable policy. If you want an insurance broker who actually goes the “extra mile” & doesn’t simply brush you off as another sales lead, I’d look no further. They’ve got my business for the foreseeable future 🤘🏻

Zack Rowe

2025-07-20

Dylan was great and able to get me on the road

Tala Redrose

2025-07-17

I recently dealt with Sohel Rahman for my car insurance. I highly recommend him. I appreciated his professionalism and his patient. My situation was difficult but he was truly dedicated to finding me the fastest and best possible vehicle's coverage. Natalia

Honda car insurance rate changes by year

Honda insurance premiums have fluctuated slightly over the past few years. They have increased by less than $100 annually since 2022. While the average annual premium in 2022 was $2,165, it rose to $2,286 in 2023 before experiencing a minor dip to $2,264 in 2024 and settling at $2,261 in 2025. The average across the past four years (2022-2025), is $2,244.

Year	Average annual premium
2025	$2,261
2024	$2,264
2023	$2,286
2022	$2,165
Average rate (2022-2025)	$2,244

Honda car insurance by driver type

Honda insurance premiums vary significantly depending on driver demographics and driving history. High-risk drivers have the steepest costs, paying an average of $7,866 annually ($656 monthly), while mature/senior drivers (50+) enjoy the lowest rates at $1,817 annually ($151 monthly).

Other factors influence premiums, such as age in particular. Young drivers (25 and under) pay over $400 more than the average premium. Gender and marital status also play a role, with females and married individuals generally paying less than males and single people.

	Premium	Monthly
Driver type
All drivers	$2,244	$187
Young drivers (25 and under)	$2,669	$222
Middle age (26 - 50)	$2,351	$196
Mature/senior drivers (50+)	$1,817	$151
High risk drivers	$7,866	$656
Demographics
Male	$2,332	$194
Female	$2,063	$172
Married	$2,257	$188
Single	$2,264	$189
Driving record
Clean driving record	$2,244	$187
1 ticket within the past 3 years	$2,584	$215
1 accident in 3 years	$2,876	$240
1 cancellation in 3 years	$2,878	$240
1 suspension in 3 years	$2,570	$214

Honda car insurance rates by city

Honda car insurance costs in Ontario can differ by as much as $1,670 per year based on where you live.. Burlington offers the lowest average annual premium at $1,382 ($115 monthly). Brampton boasts the highest average annual premium at $3,052 ($254 monthly), followed closely by Ajax and North York.

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

Honda car insurance rates by model

The Honda Fit boasts the lowest insurance premium among the models listed, coming in at $1,537. This translates to a significantly more affordable monthly payment compared to other Honda vehicles, making it a strong contender for budget-conscious drivers.

Here’s an overview of the premiums by Honda model:

Vehicle brand	Premium	Monthly payment
Civic	$2,270	$189
Accord	$2,235	$186
CR-V	$2,301	$192
Fit	$1,537	$128
Odyssey	$2,046	$171
Pilot	$2,339	$195
Ridgeline	$1,710	$143

How do Honda car insurance costs compare to similar vehicle brands?

It's common for people to want to compare Honda insurance rates with other similar brands they would consider driving. Our data compares premiums and monthly payments of other top car brands against Honda's figures of $2,244 yearly ($187 monthly).

While Honda's monthly payment is the highest among the brands listed, Subaru emerges as the most budget-friendly option, 11.63% less per year.

Brand	Premium	Monthly Payment	Difference
Honda	$2,244	$187
Subaru	$1,983	$165	-11.63%
Toyota	$2,190	$183	-2.40%
Nissan	$2,093	$174	-6.72%
Hyundai	$2,227	$186	-0.75%
Kia	$2,088	$174	-6.95%
Volvo	$2,138	$178	-4.72%
Volkswagen	$2,176	$181	-3.03%

What factors impact Honda car insurance?

Here are five factors directly related to the manufacturer that will impact the cost of insurance for a Honda:

Theft rate: The Civic and Accord are regularly two of the most stolen vehicles. They are targeted by thieves for their parts. This means these vehicles commonly have higher than normal premiums compared to other similar models.
Reliability: Features and designs of Honda vehicles make them less likely to break down and stand the test of time.
Strong safety rating: Honda vehicles are very safe to drive. They regularly receive strong safety ratings, helping to lower premiums.
Affordable repair costs: They are one of the least expensive to repair. Parts are readily available and less expensive than many other brands.
Location: Where you live and drive matters. If you reside in a region with high theft and accident rates, expect your coverage to increase. Estimates for the same vehicle will vary based on where you live in Canada.

Tips to save on Honda insurance

Drivers who are looking to lower their insurance costs Honda and benefit from these tips to help you get the best rate:

Take advantage of safety feature options: Honda models offer a variety of additional safety features such as driver assist and dash cams. Adding these features will help lower your rates.
Choose models with lower average premiums: The model and features you choose will impact rates. Consider a sedan or compact car over a sporty model to keep costs down.
Choose a used car: Used vehicles are generally less for coverage than a new one. The used CR-V or Odyssey is regarded as one of the most affordable used cars to insure.

Honda insurance FAQs

Why is Honda car insurance so high?

People often wonder why such a popular brand would be so expensive for car insurance in Ontario. Honda is also popular with car thieves. These high vehicle theft numbers result in more expensive and frequent claims insurers have to pay out. This is reflected in the cost to insure a Honda vehicle.

Does a Honda lease include GAP insurance?

GAP insurance may or may not be included in your Honda lease agreement. Speak with your Honda sales representative for clarification. You may also want to consider adding the OPCF 43 – Removing Depreciation Deduction enhancement to your policy to remove your insurer’s right to deduct depreciation from the value of your vehicle in the event of a total loss claim.

Do Honda insurance rates vary by make and model?

Yes. Honda insurance will vary based on the make, model, year, features, and many other factors. Insurance costs by the model can vary by hundreds of dollars per year.

Where can I get Honda insurance?

You can get insurance for your Honda right here at ThinkInsure. Our experts can help you get coverage for any make or model from all the top insurance companies. Simply contact us today to get an estimate.

What is the average cost for Honda C-RV insurance?

The Honda CR-V has a yearly premium average of $2,301, a monthly payment of $192.

What is the average cost for Honda Odyssey insurance?

Honda Odyssey drivers see an average of $2,046 ($171 monthly) for premiums in Ontario.

About Honda insurance

Honda Canada has been a staple in the Canadian auto industry for decades. Founded in 1969 as a motorcycle and power equipment manufacturer, the Japanese company has developed into a leading automotive brand.

The company’s most recognizable model, the Honda Civic, debuted in 1973, with the Accord hitting the market only a few years later, in 1976. In 1988, the company opened its first Canadian manufacturing plant in Alliston, Ontario. In 1991, the one-millionth Honda vehicle was sold in Canada, and the organization has grown by leaps since then, adding a variety of new vehicles to its line-up.

Insurance for top Honda models

Honda offers a variety of sedan, coupe, SUV, crossover, van, and truck models.

At ThinkInsure, you can shop for insurance for all Honda models. We can get you the best policy for all makes and models:

Accord Sedan
Accord Hybrid
Civic Coupe
Civic Sedan
Civic Hatchback
Clarity Plug-in Hybrid
CR-V
Fit
HR-V
Insight Hybrid
Odyssey
Pilot
Ridgeline

Get a Honda insurance quote today

Contact ThinkInsure today to compare quotes for Honda car insurance. Find the most affordable rates from the top insurers in Canada in a couple of minutes.Get started online or call us and our team of advisors will be happy to help you.

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Sources

* Based on the difference between the average lowest premium and the overall average premium for estimates completed from January 1, 2024, to April 15, 2025, for drivers with a clean driving record.

** Estimated prices are based on data entered by drivers with a clean driving record on ThinkInsure.ca from January 1, 2024, to April 15, 2025.

*** Customer quotes data entered for each year by drivers with a clean record from Ontario and G licence.

Kayla Jane Barrie

Digital Content Writer

Kayla-Jane has been a content writer with ThinkInsure since 2020. She creates insurance content for auto, home, and commercial. Kayla-Jane has a diploma in Journalism.