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Honda auto insurance: what you need to know.

Thinking of buying a Honda? The cost of your car insurance can be heavily dependent on the brand of vehicle you choose.

Factors specific to a car’s make that can impact your insurance costs include the type of vehicle you’re looking to insure (is it a sports car or a station wagon?), its safety features, size, and overall value.

So don’t neglect to factor insurance costs in — you may even be able to afford a Honda with a more premium trim than you initially budgeted for with the savings from your reduced insurance costs. 

Your questions about Honda auto insurance rates, answered.

What are the auto insurance rates for Honda?

The car model you choose is just one of many variables that determine what your car insurance rates might be. We’ve run sample quotes for two of Honda’s best-selling models so you can see at a glance how much you might pay in insurance premiums.

We also included analysis from the Insurance Insurance Institute for Highway Safety (IIHS) and the National Highway Traffic Safety Administration (NHTSA) to give you a better sense of the safety rankings for each vehicle. A car’s build quality can significantly impact vehicle insurance rates.

Honda Civic 

Estimated Premium

Driver infoCar make + modelLowest premium quotedHighest premium quoted
Female, 30, Ontario2020 Civic EX 4DR$148.83/month$455.75/month
Male, 30, Ontario2020 Civic EX 4DR$152.25/month$474.50/month

About the Honda Civic

  • None of the recent models of the Honda Civic (i.e., the 4-door hatchback, the 4-door sedan or the 2-door coupe), were selected as Top Safety picks by the IIHS.
  • In the crash avoidance and mitigation category, each version of the 2020 model was given a poor rating for the performance of its headlights component.
  • According to the analysis completed by the IIHS, testing the vehicle on the straightaway revealed that visibility was fair on the right side of the road but inadequate on the left. Furthermore, the IIHS report stated that visibility was inadequate on curves during four different tests.
  • While the NHTSA has given the Civic positive scores across all four categories for several years in a row, it’s important to note that the association consistently docked the vehicle points for its performance in frontal crashes, which is consistent with the IIHS findings.
  • The starting price of a Honda Civic sedan is $18,390. The Honda Civic hatchback can be as expensive as $31,390 depending on the trim.

Honda CR-V

Estimated Premium

Driver infoCar make + modelLowest premium quotedHighest premium quoted
Female, 30, Ontario2020 Honda CR-V EX-L 4DR AWD$116.00/month$364.17/month
Male, 30, Ontario2020 Honda CR-V EX-L 4DR AWD$119.17/month$379.25/month

About the Honda CR-V

  • The Honda CR-V has been named a Top Safety Pick by the IIHS since 2015.
  • The 2019 model was awarded ‘good’ ratings across the board, except when it came to headlights and ease-of-use of its child seat anchors — both important aspects of crash avoidance and mitigation.
  • The vehicle’s headlights were given an acceptable-to-marginal rating depending on the trip and option selected by the driver at the time of purchase.
  • The child seat anchors were given an acceptable rating.
  • In addition, the NHTSA has awarded the Honda CR-V four or five stars across four different categories: frontal crash, side crash, rollover and recommended safety technology.
  • The prices can range from $28,690 for the base model to $42,590 for the high-end trim.

How auto insurance quotes for Hondas are calculated

Beyond the car you drive, your personal driving history, your age, gender, and postal code all have a major impact on how much you pay each month for car insurance.

In order to generate insurance quotes, we had to create personas for a male and female driver. 

Here are the criteria we used to develop our personas:

  • We ran separate quotes for a 30-year-old man and a 30-year-old woman in Ontario.
  • We used the postal code for the office in midtown Toronto.
  • We chose the 2020 model for each car.
  • Our personas have been insured continuously since receiving their license.
  • They drive an average of 40 km per day.
  • We’ve only selected the bare minimum when it comes to insurance coverage (third-party liability insurance).
  • We didn’t apply for any discounts.
  • We indicated that the car has winter tires.
  • We also indicated that the car is parked in a private garage.

Other factors that influence your auto insurance rate

There are a number of factors that are used to determine your car insurance premium.

  • Vehicle model - Vehicles that have high safety ratings and score well on crash tests tend to have lower car insurance premiums. Often times larger vehicles — think crossovers or SUVs — will have a lower insurance premium than a small sedan. A sports car that’s frequently targeted by thieves would also have a higher than the average car insurance premium. You can save hundreds of dollars per year just by choosing a specific vehicle type.
  • Driving habits - Where and how often you drive your car can have an impact on your car insurance premium. If you only use the car for leisure and running errands you are more likely to have a lower premium than someone who uses their car for a long commute daily.
  • Driving record - If you have a good driving record you should be able to take advantage of lower insurance premiums. However, if you have made any claims in the past (especially at-fault accidents) on your auto insurance, or if you have parking tickets, convictions for driving offences, or any license suspensions on your record, you will be paying more.

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