Why Compare Honda Car Insurance?
Wide Insurance Group Spread
Honda models span roughly ABI group 13 (Jazz) to group 38 (Civic Type R, NSX) (ABI insurance group lookup, as at March 2026). Compare providers for the keenest panel quote on your specific Honda.
Hybrid Lineup Adds Variables
the Jazz, CR-V and e:Ny1 sit in different rating bands from petrol Civics. Compare providers that price Honda hybrids and EVs comfortably.
Theft Profile Varies By Model
Civic Type R remains a higher-target hot-hatch (Police.uk, as at March 2026) while mainstream Jazz and HR-V rate more keenly. Compare providers that read the specific Honda model rather than the badge.
Honda Car Insurance At A Glance
- Same Legal Product - Honda car insurance is the same UK motor cover, regulated by the FCA and the DVLA, simply rated for the specific Honda model on your driveway.
- Group Spread Is Wide - Honda models sit roughly between ABI groups 13 and 38 (ABI insurance group lookup, as at March 2026), so the Jazz and the Civic Type R can price worlds apart.
- Reliability Reputation Helps - Honda's strong reliability record may moderate some providers' claim-history adjustments, although it doesn't directly cut the headline premium.
- Hybrid Powertrains Need Specialism - the Jazz, CR-V and e:Ny1 hybrids and EVs may need providers familiar with high-voltage repair networks.
- Compare Quotes - see UK insurance providers priced for your specific Honda model and trim.
Is It Different For Honda Drivers?
It's the same legal car insurance product as any other mainstream UK marque, but Honda's lineup spans a wide rating profile:
- Group Spread Is Wide - a Jazz around group 13 prices very differently from a Civic Type R around group 38
- Catalytic Converter History - older Jazz and Accord hybrids have historically attracted higher catalytic converter theft (Police.uk, as at March 2026)
- Parts Availability Is Solid - Honda UK's dealer network and parts supply are generally good, with moderate repair labour rates
- Hybrid And EV Repair Networks - some providers price Jazz, CR-V and e:Ny1 hybrid or EV repairs through specialist workshops rather than general body shops
Cover Levels Explained
Pick third party only on a Civic Type R and a single-vehicle prang could leave you with a five-figure repair bill on a write-off. Here's what each level includes.
| Feature | Comprehensive | Third Party, Fire & Theft | Third Party Only |
|---|---|---|---|
| Liability to third parties (legal minimum) | Yes | Yes | Yes |
| Fire and theft of your vehicle | Yes | Yes | No |
| Accidental damage to your own car | Yes | No | No |
| Windscreen and glass cover | Often included | Provider-dependent | No |
| Personal accident benefit for driver | Typically yes | Provider-dependent | No |
| Audio and in-car entertainment | Often included | Provider-dependent | No |
| Courtesy car while yours is repaired | Often included | Add-on | Add-on |
| EU driving (third-party level) | Yes | Yes | Yes |
| EU driving (full UK cover level) | Provider-dependent | Add-on | No |
| Uninsured driver promise (no excess if not at fault) | Often included | Provider-dependent | No |
Please note that policy features, benefits, terms and conditions vary among insurance providers, so always check the policy wording.
Cover Tip: Higher-group Hondas, often including the Civic Type R and the discontinued NSX, may attract higher excess (the first part of any claim you are liable for) or tracker-fitment requirements from some providers (Thatcham Research, as at March 2026). It's worth reading the cover document carefully if you drive one of the hotter models.
What May Not Be Covered
A single exclusion can turn a Civic Type R theft claim into an unpaid loss. Here's what a standard Honda motor policy typically doesn't cover.
Standard Exclusions
- Driving While Disqualified or Unlicensed - Cover may be declined if you drive while disqualified, unlicensed, or with a lapsed licence. Keep your DVLA details up to date and notify any change promptly.
- Wear and Tear or Mechanical Failure - Routine ageing of parts, mechanical breakdown, and gradual deterioration are not insured events under a standard motor policy. Service the Honda regularly to stay ahead of these.
- Undeclared Modifications - Aftermarket modifications to a Civic Type R or other Honda, such as remaps, exhaust or suspension changes, must be declared. Undeclared modifications may invalidate cover.
Important Limitations
- Theft Without Required Security - Some providers require a fitted tracker, alarm or off-street parking for higher-target Hondas such as the Civic Type R or older Accord. Failing to meet a stated security requirement may invalidate a theft claim.
- Driving Other Cars Cover - Many UK motor policies no longer include automatic driving-other-cars cover. Always check the certificate before borrowing another vehicle.
- Track Days and Competitive Driving - Use of a Civic Type R or NSX on a racing circuit, time trial or competitive event is excluded under standard policies and requires specialist track day cover instead.
Extras Worth Considering
Skip breakdown cover and a hybrid Jazz roadside failure could cost £150 in callout fees. These optional extras may be worth adding.
Roadside assistance, recovery and home start may help if your Honda fails away from home. Hybrid Jazz, CR-V and e:Ny1 owners may particularly value cover that includes high-voltage recovery networks. Compare standalone breakdown cover as well as bolt-on options at quote stage.
Motor legal expenses may help with the cost of recovering uninsured losses, such as excess or personal injury, after a non-fault incident in your Honda.
A standard small courtesy car can be upgraded to a like-for-like model. Useful if you rely on a specific Honda body type, such as a CR-V or HR-V, for family or work duties.
Protecting your discount lets you keep your built-up NCD (no-claims discount) after a set number of fault claims, although the headline premium can still rise on a higher-group Honda after a claim.
What Affects The Cost?
Insurance group, model variant, and hybrid powertrain all shape a Honda quote. Here are the factors that move the rating engine.
| Key Factor | Impact on Your Price |
|---|---|
| Honda model and trim | A base Jazz around ABI group 13 prices very differently from a Civic Type R around group 38, and trim level can shift the group by several steps within the same model. |
| Insurance group rating | Lower group ratings typically price lower than higher-group cars (ABI insurance group lookup, as at March 2026), and the spread across the Honda range is wider than many UK marques. |
| Theft profile of the model | Civic Type R remains a higher-target hot-hatch, and older Jazz and Accord hybrids have historically attracted catalytic converter theft (Police.uk, as at March 2026). |
| Hybrid or EV powertrain | Jazz, CR-V and e:Ny1 hybrids and EVs may price differently from petrol Civics, partly because high-voltage repair networks are more specialist. |
| Parts and labour cost | Honda parts are generally moderate cost with solid UK dealer-network availability, although hybrid powertrain repairs may carry higher specialist labour rates. |
| Security features fitted | Approved Thatcham trackers, alarms and immobilisers may help reduce the quote on higher-target Hondas, and some providers require them on Civic Type R and similar. |
| Home postcode | Urban postcodes with higher reported vehicle crime typically price above quieter rural postcodes for the same Honda model. |
| No-claims years held | Most UK insurance providers recognise around 9 years of NCD (no-claims discount), although a long record may not fully offset a higher-group Honda such as the Civic Type R. |
| Driver age and experience | Years held on a full UK licence usually price more keenly than recent passes, and very young drivers on a hot Honda tend to price highest of any UK group. |
| Annual mileage | Lower mileage of 5,000 to 8,000 often prices lower than 12,000 or more when declared accurately, although a hybrid Jazz used as a commuter may still price keenly at higher mileages. |
The quotes you get will depend on your own details.
Price Insight: The ABI Motor Premium Tracker put the average UK motor premium at £560 in Q1 2026 (as at March 2026). A mainstream Honda Jazz typically prices below that figure, while a Civic Type R typically sits well above it, so it's worth comparing the full panel for your specific Honda rather than renewing on autopilot.
Ways To Help Reduce Your Premium
Renew on autopilot and a Honda policy can drift £100-£250 above a fresh comparison. Here are practical ways to cut what you pay.
Quote The Exact Honda Trim
Insurance group can shift by several steps within the same Honda model depending on trim and engine. Quote the exact trim rather than the badge to land in the correct rating band.
Fit Approved Security On Higher-Target Models
On a Civic Type R or older Accord hybrid, fitting a Thatcham-approved tracker, alarm or immobiliser may help reduce the quote and meets a stated condition for some providers.
Try A Telematics Quote
On a higher-group Honda such as the Civic Type R, a telematics policy tends to be the largest saving lever for under-30s and many under-50s. Compare a telematics quote alongside a standard quote.
Declare Off-Street Parking Accurately
Parking a Honda on a driveway or in a locked garage overnight typically prices lower than parking on the public road. Declare the parking type precisely, especially for higher-target models.
Raise Your Voluntary Excess Carefully
Accepting a higher voluntary excess (the amount you agree to pay yourself if you make a claim) may help reduce the premium. However, make sure the excess remains affordable if you ever needed to claim on a higher-group Honda.
Pay Annually If You Can Afford It
Paying for the year upfront avoids the APR (the credit interest added when monthly instalments are arranged), which can quietly add a meaningful amount to a higher-group Honda policy.
Saving Tip: On a higher-group Honda such as the Civic Type R, a telematics policy (often called a black box, where a small device records driving style and mileage) tends to offer the single largest saving lever for under-30s and many under-50s. Compare a black box quote alongside a standard quote and check the difference yourself before renewing.
How To Compare Quotes
Comparing Honda car insurance from UK insurance providers takes only a few minutes. Get started above.
Share Your Details
Enter your Honda model and trim, driving history, annual mileage and postcode. The form takes a few minutes.
See Provider Quotes
Quotes come back from UK insurance providers that price for your specific Honda model, trim and postcode.
Compare Cover And Price
Check excess, security requirements, courtesy car and any modification or hybrid-related conditions in the policy wording.
Choose And Buy
Pick the quote that fits your cover and budget. Complete the purchase directly with the provider.
Receive Your Documents
The provider issues your certificate and policy wording. Check the details match the Honda you declared.
What Our Expert Says
Honda drivers sit across one of the widest rating spreads of any mainstream UK marque. A base Jazz around ABI group 13 and a Civic Type R around group 38 (ABI insurance group lookup, as at March 2026) read as completely different cars to the rating engine, and the gap between the keenest and the dearest panel quote tends to be widest at the hot-hatch end of the lineup.
A common scenario is a driver assuming a Honda badge prices similarly across the range. It doesn't. Within the same dealership, two Hondas parked next to each other can sit several insurance groups apart, and the rating engine reads the specific model and trim rather than the marque. Comparing the full panel matters more for a Civic Type R or an NSX than for a mainstream Jazz, although it's worth doing for both.
The other one is theft history. Older Jazz hybrids and Accord hybrids have historically attracted catalytic converter theft (Police.uk data, as at March 2026), and the Civic Type R remains a higher-target hot-hatch. Declaring approved security accurately, such as a Thatcham-rated tracker or alarm, may help moderate the quote in higher-theft postcodes, so panel-wide comparison at every renewal tends to matter more.
Insurance Expert & Co-founder of Clean Green Cars
Common Questions
Is Honda Car Insurance More Expensive Than Other Marques?
It depends on the model. A mainstream Honda Jazz around ABI group 13 typically prices below the UK average, while a Civic Type R around group 38 (ABI insurance group lookup, as at March 2026) sits well above it. The Honda badge alone doesn't set the price, the specific model and trim do.
Which Honda Models Tend To Cost Most To Insure?
The Civic Type R sits at the top of the Honda range for insurance group, often around ABI group 38, and the discontinued NSX sat higher again. Older performance variants and high-trim Civics also typically price above the mainstream Jazz, HR-V and CR-V.
Do Honda Hybrids Cost More To Insure?
Not always. The Jazz hybrid and CR-V hybrid often price in line with their petrol equivalents, although some providers may rate hybrid powertrain repair costs slightly higher because high-voltage work is more specialist. The e:Ny1 EV may price differently again.
Is Catalytic Converter Theft Still A Concern On Older Honda Hybrids?
It can be. Older Jazz and Accord hybrids have historically attracted higher catalytic converter theft rates (Police.uk, as at March 2026). Some providers may require a Thatcham-approved alarm or off-street parking on older hybrid models, and fitting a cat-marker kit may also help.
Does Honda's Reliability Reputation Affect My Quote?
Indirectly. Honda's strong reliability record may moderate some providers' claim-history adjustments, although it doesn't directly cut the headline premium. The rating engine reads insurance group, theft profile and your own driving record more heavily than marque reputation.
Can A Telematics Policy Help On A Civic Type R?
Yes, often by a meaningful amount. On a higher-group Honda such as the Civic Type R, a telematics or black box policy tends to be the single largest saving lever for under-30s and many under-50s. Compare a telematics quote alongside a standard quote before renewing.
Do I Need A Tracker Fitted On My Honda?
It depends on the model and the provider. Some providers may require a Thatcham-approved tracker on a Civic Type R, an NSX, or older Accord hybrids in higher-theft postcodes. Failing to meet a stated condition could invalidate a theft claim. Always read the policy schedule.
What Happens After I Submit My Details?
Clean Green Cars introduces you to UK insurance providers that price for your specific Honda model, trim and postcode. You'll see quotes within minutes and can compare cover, premium and add-ons before choosing a policy that suits the driver and the vehicle.
Search & Compare Quotes From UK Honda Car Insurance Providers
Useful Resources
- Honda UK - Official Car Range - check the current Honda lineup, specifications and dealer network.
- ABI - Insurance Group Lookup - look up the ABI insurance group for any Honda model or trim.
- Thatcham Research - Vehicle Security - check approved security ratings and repair research for Honda models.
- Police.uk - Vehicle Crime In Your Area - look up reported vehicle crime by postcode, including catalytic converter theft.
