Compare Honda car insurance estimates from Australia's leading providers. Whether you drive a Civic, CR-V, HR-V, or Jazz, find the right cover at the right price - comprehensive, third party, or fire & theft.
AAMI is one of Australia's most recognised insurance brands, trusted by millions of drivers across the country. Known for competitive pricing, straightforward claims, and strong customer service - get your estimate below.
Honda is one of the most trusted car brands on Australian roads. The Civic, CR-V, and HR-V are consistently strong sellers, and the brand's reputation for reliability and engineering quality makes Honda a favourite among drivers and insurers alike.
From an insurance perspective, Hondas are generally affordable to insure relative to European and luxury marques. Most models fall into low-to-mid insurance groups thanks to their excellent ANCAP safety ratings, widely available spare parts, and lower-than-average repair costs. The Civic Type R is the notable exception, sitting in a higher group due to its performance.
All major Australian insurers cover Honda vehicles. Providers such as AAMI, Allianz, Budget Direct, NRMA, and Youi all offer competitive options for Honda owners. 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 Sydney.
| 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. Superb city car with clever interior packaging. |
| Honda Civic | Sedan / Hatch | $12,000-$45,000 | $600-$950 | Low-Mid | Hugely popular across Australia. Available in sedan and hatchback body styles. |
| Honda Civic Type R | Performance Hatch | $45,000-$75,000 | $1,200-$1,800 | High | Performance variant with turbo engine. Higher premiums due to power and theft appeal. |
| Honda HR-V | Small SUV | $15,000-$40,000 | $650-$1,000 | Low-Mid | Compact SUV with strong safety ratings. Popular with young families across Australia. |
| Honda CR-V | Mid-size SUV | $18,000-$55,000 | $750-$1,150 | Mid | Best-selling Honda SUV in Australia. Hybrid versions now available. |
| Honda Accord | Sedan | $8,000-$35,000 | $600-$950 | Low-Mid | Mid-size sedan. Current generation available in hybrid only. Comfortable highway cruiser. |
| 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 technology. |
| Honda e:N1 / e | Electric | $35,000-$60,000 | $900-$1,400 | Mid | EV models - check for specialist EV cover including 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. May suit older Hondas worth under $3,000.
Adds fire and theft protection for your Honda. Practical for Hondas worth $3,000-$10,000 where you want theft protection without paying for full comprehensive.
Full protection for your Honda. Covers accident damage, theft, fire, storm, hail, 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 Honda SENSING safety tech can qualify for lower rates.
Drivers under 25 pay considerably more. Over-25s with a clean licence and claims-free history receive the most competitive Honda premiums.
Premiums in Sydney's west, parts of Melbourne, and inner Brisbane are typically higher than regional centres due to greater theft and accident frequency.
Hondas with factory immobilisers, alarms, or aftermarket tracking devices may attract lower premiums from Australian insurers.
A clean claims history can deliver up to 65% off your premium. Some insurers offer NCB protection so one claim does not reset your discount.
Aftermarket modifications (lowering springs, exhausts, turbos) increase premiums and must be declared. Standard Hondas are the 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 level of cover. Always get at least 3 estimates before deciding.
Increasing your excess from $500 to $800 can save 10-20% on your premium. Only set an excess you can comfortably afford at claim time.
Most Australian insurers charge a loading for monthly payments. Paying annually can save 5-10% - that is $50-$100 on a typical Honda policy.
Insure your Honda alongside your home or contents with the same provider. Multi-policy discounts of 5-15% are common across AAMI, Suncorp, and others.
Adding young or inexperienced drivers increases premiums substantially. Only add drivers who regularly use your Honda.
Garaging your Honda overnight and fitting an approved alarm or immobiliser can reduce premiums. Always inform your insurer about security features.
Key facts about Honda vehicle security and safety performance across 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. Modern Hondas (2010+) with factory immobilisers and smart key systems are significantly harder to steal. Data from the National Crime Information System can help you check current trends.
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 ASIC's MoneySmart. Complaints about insurers can be directed to AFCA.
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