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Honda Civic Insurance Cost UK (2026)

Q: What insurance group is a Honda Civic?

The Honda Civic spans insurance groups 5 to 43 out of 50. Older 1.4 i-VTEC hatchbacks sit as low as group 5, mainstream petrol trims fall in the mid-teens, the current 2.0 e:HEV hybrid is around groups 26-28, and the 2.0 VTEC Turbo Type R occupies groups 33 to 43. Groups are set by Thatcham Research based on repair cost, performance, security and value.

Q: Which Honda Civic trim is cheapest to insure?

An older 1.4 i-VTEC hatchback (roughly 2012-2017) in insurance group 5 is the cheapest Civic to insure - Finder records premiums from around £418 a year for a low-risk 50-year-old driver. Lower-powered petrol trims generally beat the 2.0 e:HEV hybrid and the Type R on cost.

Q: Is a Honda Civic cheap to insure for a new or young driver?

A low-group petrol Civic can be a sensible young-driver choice, but expect £1,500-£2,600+ a year for a 17-24 year old, in line with NimbleFins' 2026 young-driver averages. Avoid the Type R entirely as a first car - its high group makes it several times more expensive. A black box policy and a group 5-15 trim are the two biggest levers for a new driver.

Q: Is the Honda Civic e:HEV hybrid more expensive to insure?

Somewhat. The current 2.0 e:HEV self-charging hybrid sits around insurance groups 26-28 - higher than older petrol Civics because of its higher list price and more complex hybrid drivetrain and electronics to repair. Finder data shows the e:HEV at roughly £540 a year for a low-risk 50-year-old and just over £1,050 for a 20-year-old. It is not an EV, so there is no separate battery-lease consideration.

The Honda Civic costs around £600–£870 a year to insure comprehensively in 2026, sitting in insurance groups 5 to 43 depending on trim — mainstream petrol and eHEV hybrid models are affordable and family-friendly, while the Type R is a specialist high-group performance car.

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Direct answer

What does it cost to insure a Honda Civic?

A typical UK driver pays roughly £600 to £870 a year for comprehensive cover on a mainstream Honda Civic in 2026. Finder's UK data puts the blended average around £869 a year (about £77 a month), while the broader UK market average sits near £600 — the ABI's Motor Insurance Premium Tracker reported an average paid comprehensive premium of £560 in Q1 2026, and the Confused.com Price Index recorded £711 in quoted prices over the same period.

The Civic's cost comes down to four things:

Insurance group. Most everyday Civics fall between group 5 and group 28. Older 1.4 i-VTEC hatchbacks land as low as group 5; the current 2.0 e:HEV self-charging hybrid sits around groups 26–28. The 2.0 VTEC Turbo Type R jumps to groups 33–43.
Value and repair cost. The Civic is a mainstream Honda with widely stocked parts and a strong reliability record, so bodyshop and mechanical repair bills are predictable — a key input to Thatcham Research group ratings.
Security. Modern Civics ship with immobilisers, alarms and (on newer cars) Honda SENSING driver-assist tech, which help contain theft and accident risk.
Performance. The Type R's 2.0 VTEC Turbo output and desirability push it into specialist high-group territory, which is why it costs several times more to insure than a standard Civic.

In short: a standard petrol or hybrid Civic is a sensibly priced car to insure that tracks close to the UK average, but the trim you pick moves the number a long way.

The numbers

Honda Civic premiums by driver age

Age is the single biggest driver of what you pay. The figures below are indicative annual comprehensive premiums for a mainstream Honda Civic, anchored to Finder's UK Civic data and NimbleFins' 2026 age-band averages. Your own quote will vary with postcode, mileage, job, no-claims history and excess.

Driver age band	Indicative annual premium	Notes
17–24 (new / young driver)	£1,500–£2,600+	Highest band; a telematics black box and a low-group trim cut this most
25–34	£700–£1,050	Falls sharply once no-claims discount builds
35–64	£450–£750	Lowest-risk band; a low-group Civic can dip under £450
65+	£550–£850	Ticks up slightly with age but stays reasonable

Indicative ranges for a mainstream Honda Civic. Sources: Finder UK Honda Civic insurance data (2026), NimbleFins average car insurance cost by age (2026), ABI Motor Insurance Premium Tracker (Q1 2026), Confused.com Price Index (Q1 2026). Figures are illustrative, not quotes — the Type R and high-spec e:HEV trims sit well above these bands.

Save money

Cheapest way to insure a Honda Civic

Pick a low-group trim. An older 1.4 or 1.0 VTEC hatchback (group 5–15) is far cheaper than a 2.0 e:HEV (group ~28) or a Type R (group 33–43). Check the exact group before you buy — see our insurance groups guide.
Compare widely and set a renewal reminder. Run the whole market 20–26 days before renewal, when quotes are typically cheapest, and never auto-renew without checking.
Consider a telematics (black box) policy. For under-25s this is often the single biggest saving on a Civic.
Increase your voluntary excess to a level you could genuinely afford to pay after a claim.
Build and protect your no-claims discount — it is worth more than almost any add-on.
Add a named experienced driver (honestly — never "front"), keep annual mileage realistic, and park off-road or on a driveway where possible.
Pay annually rather than monthly to avoid interest, and drop unused add-ons like key cover you may already hold elsewhere.

FAQs

Honda Civic insurance: your questions answered

What insurance group is a Honda Civic?

The Honda Civic spans insurance groups 5 to 43 out of 50. Older 1.4 i-VTEC hatchbacks sit as low as group 5, mainstream petrol trims fall in the mid-teens, the current 2.0 e:HEV hybrid is around groups 26–28, and the 2.0 VTEC Turbo Type R occupies groups 33 to 43. Groups are set by Thatcham Research based on repair cost, performance, security and value.

Why does a Honda Civic cost what it does to insure?

A standard Civic is affordable because it has predictable repair costs, plentiful parts, good security and a strong reliability record — all of which keep its Thatcham group low. Premiums rise on higher-powered or higher-value trims: the Type R's 2.0 VTEC Turbo performance and the newer hybrids' higher list price and repair complexity both push the group, and therefore the premium, upwards.

Which Honda Civic trim is cheapest to insure?

An older 1.4 i-VTEC hatchback (roughly 2012–2017) in insurance group 5 is the cheapest Civic to insure — Finder records premiums from around £418 a year for a low-risk 50-year-old driver. Lower-powered petrol trims generally beat the 2.0 e:HEV hybrid and the Type R on cost.

Which insurer is cheapest for a Honda Civic?

There is no single cheapest insurer — the best price depends on your age, postcode, mileage and no-claims history. The reliable way to find it is to compare the whole market at renewal rather than defaulting to one brand. Mainstream, telematics and specialist insurers all win on different driver profiles, so quotes from several is what actually lowers the bill.

Is a Honda Civic cheap to insure for a new or young driver?

A low-group petrol Civic can be a sensible young-driver choice, but expect £1,500–£2,600+ a year for a 17–24 year old, in line with NimbleFins' 2026 young-driver averages. Avoid the Type R entirely as a first car — its high group makes it several times more expensive. A black box policy and a group 5–15 trim are the two biggest levers for a new driver.

Is the Honda Civic e:HEV hybrid more expensive to insure?

Somewhat. The current 2.0 e:HEV self-charging hybrid sits around insurance groups 26–28 — higher than older petrol Civics because of its higher list price and more complex hybrid drivetrain and electronics to repair. Finder data shows the e:HEV at roughly £540 a year for a low-risk 50-year-old and just over £1,050 for a 20-year-old. It is not an EV, so there is no separate battery-lease consideration.

Do modifications raise Honda Civic insurance?

Yes. Performance, cosmetic and wheel or suspension modifications typically increase premiums and must always be declared — failing to disclose them can void your policy. This matters most on Type R and sportier trims, which already sit in high groups. Keeping a Civic standard is the cheapest route.

Is a black box policy worth it on a Honda Civic?

For under-25s, usually yes. A telematics (black box) policy prices you on how you actually drive rather than only your age, and it is often the single largest saving on a young driver's Civic premium. Careful, lower-mileage drivers benefit most; late-night driving restrictions and mileage caps are the main trade-offs to check.

Explore more

Related guides

All vehicles — compare insurance costs across every make and model.
UK car insurance cost index — how the £600 average is trending in 2026.
Insurance groups explained — how the 1–50 scale sets your premium.

Our sources

Sources & methodology

Finder UK — Honda Civic insurance group & cost (2026)
NimbleFins — Average cost of car insurance by age / young drivers (2026)
Association of British Insurers (ABI) — Motor Insurance Premium Tracker (Q1 2026)
Confused.com — Car Insurance Price Index (Q1 2026)
Thatcham Research — insurance group rating methodology

Premium figures are indicative ranges to help you compare, not quotes. Your price depends on your age, postcode, mileage, occupation, no-claims discount, excess and the exact Civic trim.

Reviewed by the Car Insurance Expert editorial team.

Last updated: 2026-07-06

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