Honda is Japan’s second-largest automaker and the world’s largest producer of internal combustion engine vehicles. Because of its wide range of vehicles, including sedans, hatchbacks, performance cars, SUVs, a minivan, and a pickup truck, Honda’s insurance costs vary widely depending on the body style, trim, model year, powertrain and other factors. Where the car is parked and how often it’s stolen are other considerations.
To find out more about auto insurance for your Honda Civic, CR-V, Accord, etc., continue reading. We’ll compare Honda insurance in different Ontario cities using MyChoice’s own quote data. We’ll also compare Honda’s rates with other mainstream brands and find out how much less or more it costs to insure a used vs. new Honda. Get quotes for Honda insurance and find out more about collision and comprehensive coverage, rental transportation coverage, deductibles, depreciation protection and more. Remember that your driving history, location, age, etc., are all factors.
Honda Insurance Costs Across Popular Models
The median annual premium to insure a Honda in Ontario is $2,303, which is 2% lower than the $2,345 median premium to insure all vehicles in Ontario. These make- and model-level insurance costs can be useful benchmarks, but remember that insurance is much more specific to each car (including trim) and to each driver.
| Median Honda premium (Ontario) | $2,303 |
| Honda vs Ontario all-vehicle median | -2% |
| Cheapest Honda model to insure in Ontario | Civic LX-SR 2Dr Coupe (~$1,658) |
| Most expensive Honda model to insure in Ontario | Civic Touring 4Dr (~$3,972) |
| Cheapest alternatives to insure | Mazda ($2,124), Toyota ($2,197), Mitsubishi ($2,235), Subaru ($2,272) |
Honda Premiums by Model and Ontario City
The median auto insurance premium examples by city below range from $1,423 for a 2015 Civic LX in Sarnia to $3,969 for a 2018 CR-V LX in Brampton. Three 2026 Civic Sport records also run from $2,710 in St. Catharines to $3,562 in London.
| City | Model | Model Year | List Price | Median Annual Car Insurance Premium |
|---|---|---|---|---|
| Barrie, ON | Civic Sport 4Dr | 2024 | $34,347 | $3,332 |
| Brampton, ON | CR-V LX 4Dr AWD | 2018 | $31,384 | $3,969 |
| Etobicoke, ON | Accord SE 4Dr | 2017 | $28,970 | $3,845 |
| Guelph, ON | HR-V Touring AWD | 2019 | $33,390 | $2,542 |
| Hamilton, ON | Civic EX 4Dr | 2014 | $22,118 | $2,111 |
| Kitchener, ON | Civic Sport HEV 4Dr | 2026 | $35,805 | $3,331 |
| London, ON | Civic Sport 4Dr | 2026 | $33,810 | $3,562 |
| Markham, ON | Civic LX 4Dr | 2013 | $19,730 | $3,093 |
| Milton, ON | CR-V Touring HEV 4Dr AWD | 2023 | $51,335 | $2,472 |
| Niagara Falls, ON | Accord EX-L 4Dr | 2009 | $32,429 | $2,165 |
| Ottawa, ON | Civic LX 4Dr | 2016 | $20,517 | $2,578 |
| Sarnia, ON | Civic LX 4Dr | 2015 | $21,234 | $1,423 |
| Scarborough, ON | Civic EX 4Dr | 2017 | $24,980 | $2,552 |
| St. Catharines, ON | Civic Sport 4Dr | 2026 | $33,810 | $2,710 |
| Waterloo, ON | CR-V Touring 4Dr AWD | 2017 | $39,995 | $1,953 |
Is a Used Honda Cheaper to Insure in Ontario?
Yes. According to our data, insurance on a new Honda costs $2,372 a year, compared to $2,209 to insure a used one. The price difference between new and used Hondas is $163.
| Vehicle | Median Annual Car Insurance Premium |
|---|---|
| New Honda | $2,372 |
| Used Honda | $2,209 |
Honda Insurance Compared with Mainstream Brands
The differences between mainstream brands aren’t very large, and may be dwarfed by the effect of the car itself, your postal code, and your own characteristics as a driver when companies crunch numbers to issue quotes.
| Car brand | Median Annual Car Insurance Premium |
|---|---|
| Mazda | $2,124 |
| Toyota | $2,197 |
| Mitsubishi | $2,235 |
| Subaru | $2,272 |
| Kia | $2,299 |
| Honda | $2,303 |
| Nissan | $2,320 |
| Volkswagen | $2,506 |
| Hyundai | $2,684 |
Honda Insurance Questions by Model and Coverage
How do Civic and CR-V insurance figures compare in Ontario?
Quotes for a 2015 Civic LX in Sarnia are $1,423, but insurance costs for a 2026 Civic Sport in London are $3,562.
How safe and reliable are Honda vehicles?
J.D. Power’s 2026 U.S. Vehicle Dependability Study lists Honda’s reliability as slightly below the industry average. The 2027 Honda HR-V and 2026 Honda Passport are rated by the Insurance Institute for Highway Safety as Top Safety Pick+ vehicles, and several more models are Top Safety Picks, including the 2026 Honda Civic, 2026 Honda Accord, and 2026 Honda Pilot. Honda vehicles have included a long list of modern safety and driver assistance technology as standard for the past few years.