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Honda Insurance

Cheap Honda Car Insurance

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Honda Car Insurance


Types of car insurance for a Honda

When you own or are buying a Honda you have a range of different types of car insurance to choose from. Each type of Honda car insurance in the UK is designed to meet the different insurance needs of the policyholder. 

Comprehensive car insurance for a Honda

Comprehensive insurance is designed to provide a Honda owner with the most complete and extensive coverage. It will cover your injuries and damages to your Honda and extend this coverage to third parties as well. This is popular due to the peace of mind and financial protection provided. 

Third party only Honda insurance

Third-party insurance only (TPO) provides the least extensive coverage. You must have a minimum level of TPO insurance to legally drive in the UK. TPO insurance covers any injuries and damage sustained by third parties, but does not cover your own damage or injuries. 

Third party, Theft and Fire car insurance

Third-party, fire and theft provides more extensive coverage than TPO. While damages and injuries to third parties will still be covered, this level of insurance includes theft and fire damage coverage for your Honda. However, other types of damage like accident damage to your Honda are not covered and neither are your injuries. 

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How can I get cheap Honda insurance quotes?

Insurance comparison platforms like ours make it fast and easy to shop around, research, and increase your chances of finding cheap Honda insurance. This helps you to get an in-depth idea of what you could pay to insure your Honda so you can recognise good insurance deals and cheaper rates. 

Improving your driving record and claim history can qualify you for cheaper Honda insurance quotes. There are other steps you can also take to reduce your premium. 

Give an accurate annual mileage

Insurance companies often offer discounts on your premiums if you drive below a set mileage annually. They do this as it reduces the risks of incidents that could result in claims. By accurately recording your mileage you may qualify for low mileage discounts. 

Improve the security of your Honda

There are many security measures you can take to reduce the risks of theft and damage. Insurance companies will offer cheaper rates to policyholders who, for example, park their Honda in a locked garage. Technology can also be helpful with vehicle tracking systems, alarms and immobilisers helping to reduce premium costs with some insurers. 

Avoid making modifications to your car

If you make modifications to your Honda, you will often be charged higher insurance rates. Modifications can alter the driving performance of your Honda, which could make you more prone to accidents. More expensive and unique parts and body kits may also make your Honda more desirable to thieves. 

Pay your premium annually where possible

Insurers offer discounts to policyholders who pay their premiums annually. This reduces the administration workload of the insurer and has other financial benefits attractive to insurance companies. 

Choose a higher voluntary excess

By choosing a higher excess you reduce the amount an insurer would have to pay to settle a claim. This reduces your risk profile and usually results in lower premiums. 

Get appropriate coverage

When you carefully analyse your insurance needs you can often adjust or exclude certain insurance options that may not apply to your situation or needs. This is valid whether you need annual or even temporary Honda insurance. By only getting the appropriate coverage for your Honda you can save on unnecessary insurance costs. 

Shop around and compare Honda auto insurance quotes

Shopping around and comparing as many quotes as possible is a very important step in finding Honda auto insurance quotes that suit your needs and budget. By researching the insurance market, you can avoid being overcharged for the insurance you need. And you will be able to spot a good deal when you see one. 

How much does it cost to insure a Honda in the UK?

The cost of Honda insurance UK policies varies depending on the assessment of certain key risk factors. Other contributors to the cost of insurance is your coverage choices as the policyholder. 

The factors that insurers assess to calculate the cost of Honda insurance include: 

  • The specifications and details of the Honda 
  • The risk profile of the policyholder 
  • The type and level of insurance selected 
  • The postal code of the policyholder 
  • What the Honda is used for 

Honda car insurance groups

Insurance groups give insurers a baseline for how to price insurance for a particular vehicle, with group 1 being some of the cheapest to insure. In the UK, Honda offers a broad range of models. The most affordable models like the Honda Jazz and the Civic Hatchback can start from group 8. More expensive models like the Civic Type-R or the Ny-1 SUV qualify for groups 33 and 40 respectively. 

Honda Civic insurance group

The Honda Civic is one of the most loved Honda models in the UK. There are many different variations reflecting this popularity. A standard Civic like the 1.4 VTEC S can fall into groups between 5 and 22. The sportier, larger-engined and more valuable Type-R can qualify for groups as high as 34 to 40. 

Honda Jazz insurance group

The Jazz is an entry-level model and is a relatively cheap car to insure. The Jazz will typically fall into groups between 13 to 19 depending on the specific year and model. 

Honda CR-V insurance group

The Honda CR-V with AWD variations are found in groups similar to some 4X4 vehicles. They are found mid-range in the insurance groups, which is what you would expect for a SUV. The CR-V is found in groups between 22 to 25. 

Honda HR-V insurance group

As a Hybrid, the HR-V will fall into slightly higher insurance groups than other SUVs like the CR-V. The HR-V will typically fall into groups 30 or 31.  

Honda car insurance FAQs

What is the cheapest Honda to insure?

The Honda Jazz is considered the entry-level model for the Honda brand due to its small engine and body size. These characteristics make it one of the most affordable to finance and insure. 

Why is the Honda Jazz insurance group so high?

Honda Jazz insurance models sit in groups 13 to 19. This may seem high due to certain characteristics of the Jazz like its size and performance. However, Hondas are considered well-made and safe cars and are typically a little more valuable than other makes of cars in this class. 

How much does Honda Civic insurance cost?

The cost of Honda Civic insurance can vary significantly due to the different specifications, trim levels and variations of Civic models available in the UK. The more expensive Honda models with larger engines, performance and repair costs will cost more to insure than models like the Civic. If you find standard Honda insurance too expensive you could investigate other specialised insurance options like telematics insurance which rewards safe driving. 

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*51% of consumers could save £529.95 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from February 2024 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.