Compare Honda car insurance estimates from AU's top providers. Whether you drive a Jazz, Civic, CR-V, or HR-V, find the right cover at the right price - comprehensive, third party, or fire & theft.
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Honda is one of the most popular car brands in Australia, with models like the Jazz, Civic, CR-V, and HR-V regularly appearing among the country's top sellers. Their reputation for reliability, strong safety ratings, and affordable parts makes them a favourite with both drivers and insurers.
From an insurance perspective, Hondas are generally affordable to insure compared to European and luxury brands. Most Honda models fall into low-to-mid insurance groups, thanks to their excellent crashworthiness ratings, readily available spare parts, and lower-than-average repair costs.
All major Australian insurance providers - including AA Insurance, AMI, State, Tower, and ANZ - offer cover for Honda vehicles. Whether you own a brand-new Honda from an authorised dealership or a used import from Japan, you'll have no trouble finding competitive quotes. See our full Australian car insurance comparison for more.
Estimated annual comprehensive insurance costs for popular Honda models in Australia. Based on a 35-year-old driver with a clean record in Auckland.
| Model | Type | Approx. Value (Used) | Est. Comprehensive/yr | Insurance Group | Notes |
|---|---|---|---|---|---|
| Honda Jazz / Fit | Hatchback | $8,000–$25,000 | $480–$750 | Low | One of Australia's cheapest cars to insure. Excellent city car. |
| Honda Civic | Sedan / Hatch | $12,000–$45,000 | $600–$950 | Low–Mid | Hugely popular in Australia. Sedan and hatch versions available. |
| Honda Civic Type R | Performance | $45,000–$75,000 | $1,200–$1,800 | High | Performance variant - higher premiums due to power output and theft risk. |
| Honda HR-V | Small SUV | $15,000–$40,000 | $650–$1,000 | Low–Mid | Compact SUV with strong safety ratings. Popular with families. |
| Honda CR-V | Mid-size SUV | $18,000–$55,000 | $750–$1,150 | Mid | Best-selling Honda SUV in Australia. Hybrid versions available. |
| Honda Accord | Sedan | $8,000–$35,000 | $600–$950 | Low–Mid | Used import only (discontinued in Australia ~2015). Comfortable highway cruiser. |
| Honda City | Sedan | $5,000–$18,000 | $400–$650 | Low | Used import only (never sold new in Australia). Budget-friendly sedan. |
| Honda ZR-V | Mid-size SUV | $38,000–$55,000 | $750–$1,150 | Mid | Slots between HR-V and CR-V. Hybrid available. Strong safety. |
| Honda e:N1 / e | Electric | $35,000–$60,000 | $900–$1,400 | Mid | EV models - check for specialist EV cover and battery protection. |
Disclaimer: All prices shown are indicative estimates based on publicly available data and typical driver profiles as of early 2026. Actual premiums vary based on your vehicle, location, driving history, and chosen cover level. These figures are not quotes. Always obtain a personalised quote from the insurer directly. We do our best to keep all data up to date and accurate. If you've noticed something incorrect, please let us know.
Choose the right level of protection based on your Honda's age and value.
Covers damage you cause to other vehicles or property. Your Honda is not covered. Best for older Hondas worth under $3,000.
Adds fire and theft protection for your Honda. Good value for Hondas worth $3,000–$10,000 where replacement cost matters.
Full protection for your Honda. Covers accident damage, theft, fire, weather, vandalism, and third-party liability. Commonly chosen for Hondas worth $10,000+.
Understanding these factors can help you find cheaper Honda insurance in Australia.
A Honda Jazz is significantly cheaper to insure than a Civic Type R. Newer models with advanced safety features can qualify for discounts.
Drivers under 25 pay considerably more. Over-25s with a clean licence and driving history get the best rates on Honda insurance.
Auckland and Wellington typically have higher premiums than smaller centres due to higher theft rates and traffic density.
Hondas with factory immobilisers, alarms, or aftermarket tracking devices can attract lower premiums from some Australian insurers.
Up to 65% discount for claim-free years. Protect your NCB - some insurers offer bonus protection so one claim doesn't reset it.
Aftermarket modifications (lowering, exhausts, turbos) increase premiums and must be declared. Standard Hondas are cheapest to insure.
Practical ways to reduce your Honda insurance premium without sacrificing cover.
Honda premiums can vary by $300+ between providers for the same cover. Always get at least 3 estimates before choosing.
Raising your excess from $400 to $750 can save 10–20% on your premium. Only do this if you can afford the higher excess if you claim.
Most Australian insurers charge a loading for monthly payments. Paying annually can save 5–10% - that's $50–$100 on a typical Honda policy.
Insure your Honda alongside your home or contents insurance with the same provider. Multi-policy discounts of 5–15% are common in Australia.
Adding young or inexperienced drivers increases premiums significantly. Only add drivers who regularly use your Honda.
Garaging your Honda overnight and installing an approved alarm or immobiliser can reduce premiums. Let your insurer know about security features.
Key facts about Honda vehicle security and safety performance in Australia.
Older Honda models (particularly 1990s–2000s Civics and Integras) have historically appeared on Australia's most-stolen vehicle lists, largely due to their popularity and the ease of stripping parts. However, modern Hondas (2010+) with factory immobilisers and smart key systems are significantly harder to steal.
Honda has an excellent safety record in Australia, with most current and recent models achieving top safety ratings. Better safety ratings can positively influence your insurance premium.
Common questions about insuring your Honda in Australia.
Disclaimer: The information on this page is for general informational purposes only and does not constitute financial advice. While we strive for accuracy, insurance products, pricing, and terms change regularly. Always verify details directly with the insurer before making any decisions. If you need personalised advice, consider consulting a licensed financial adviser. For more information, visit the Financial Markets Authority (FMA).
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