Key Facts About Insuring a Honda in Ontario
The figures below are based on MyChoice’s proprietary online quote data collected from Honda drivers in Ontario in 2026.
| Average Honda insurance premium (Ontario): | $2,237 |
| Cheapest Honda model to insure: | Ridgeline ($1,371) |
| Most expensive Honda model to insure: | Civic ($2,407) |
| Cheaper alternatives to Honda for car insurance: | Mitsubishi ($1,519), Fiat ($1,612), Volkswagen ($1,644), Subaru ($1,702) |
| Honda collision rate in Ontario: | 9.8% of Honda drivers have ≥1 at-fault accident |
How Much Does it Cost to Insure Your Honda in Ontario?
Where you park your Honda matters. Honda insurance in Ontario averages $2,237 a year, but rates swing widely by city, climbing in claims-heavy markets like Brampton and easing in smaller communities such as Kitchener.
Here’s the estimated average annual Honda premium across Ontario:
| City | Average Annual Insurance Premium |
|---|---|
| Brampton, ON | $3,642 |
| Scarborough, ON | $3,197 |
| Vaughan, ON | $2,838 |
| Mississauga, ON | $2,617 |
| Markham, ON | $2,481 |
| Toronto, ON | $2,464 |
| Barrie, ON | $2,222 |
| Oshawa, ON | $2,221 |
| London, ON | $2,138 |
| Windsor, ON | $2,135 |
| Thunder Bay, ON | $2,132 |
| Hamilton, ON | $1,962 |
| Sudbury, ON | $1,933 |
| Kitchener, ON | $1,899 |
| Kingston, ON | $1,824 |
| Ottawa, ON | $1,763 |
How Honda Car Insurance Costs Compare to Similar Vehicle Brands
When selecting a vehicle, many buyers weigh the insurance rates of different brands against each other, since insurance costs can significantly influence the decision. Based on our internal Ontario quote data, Honda sits in a moderate price band relative to comparable brands. Honda insurance generally costs more than Lexus, Toyota, Volvo, but less than Audi, BMW, Mercedes.
Here’s how the average annual Ontario premiums compare:
| Car Model | Average Annual Insurance Premium |
|---|---|
| Lexus | $2,206 |
| Toyota | $2,209 |
| Volvo | $2,227 |
| Honda | $2,237 |
| Audi | $2,311 |
| BMW | $2,409 |
| Mercedes | $2,481 |
Honda Car Insurance Rates Through The Years
Over the past six years, Honda insurance in Ontario has risen roughly 48%, driven by higher repair bills, rising theft and broad inflation. Rates were essentially flat in 2020–2021 before accelerating from 2022.
| Year | Average Annual Insurance Premium | YoY Change |
|---|---|---|
| 2020 | $1,514 | — |
| 2021 | $1,517 | +0.2% |
| 2022 | $1,769 | +16.6% |
| 2023 | $1,869 | +5.7% |
| 2024 | $2,003 | +7.2% |
| 2025 | $2,217 | +10.7% |
| 2026 | $2,237 | +0.9% |
Honda Car Insurance Rates by Model & Year Make
The Honda model you drive moves your premium meaningfully. Among popular Honda models in our data, the Ridgeline is the cheapest to insure, while the Civic sits at the top, and sportier and pricier-to-repair models cost more.
Below are average annual Ontario premiums for the most-quoted Honda models:
| Model | Average Annual Insurance Premium |
|---|---|
| Ridgeline | $1,371 |
| FIT | $1,517 |
| Odyssey | $1,767 |
| HR-V | $1,859 |
| CR-V | $1,966 |
| Pilot | $2,063 |
| Accord | $2,333 |
| Civic | $2,407 |
How to Choose the Honda Model with the Best Insurance Rate
When it comes to purchasing a Honda vehicle, drivers should consider a variety of different factors to ensure they are getting the cheapest insurance available to them. Some of these may include:
Frequently Asked Questions About Honda Insurance
How much is insurance for a Honda Civic?
The average annual car insurance rate for the Honda Civic in Ontario is $2,407.
What is the cheapest Honda car to insure?
The Honda Ridgeline is the cheapest model to insure in Ontario, with an average annual car insurance rate of $1,371.
What is not covered by the Honda warranty?
Oil changes, tire rotations, and brake pad replacements are not covered by the official Honda warranty.