Honda Insurance Calculator (2000-2027 Models): Estimate Your Monthly Rate

If you drive a Honda, you are in good company: Civics, Accords and CR-Vs are some of the most common cars on American roads, from Houston commuter lanes to snowy Michigan suburbs. That popularity cuts both ways for insurance. Hondas are cheap to repair and score well in crash tests, but a few models are also favorite targets for thieves, and that shows up in your premium.

The calculator below gives you a realistic monthly and yearly estimate for any Honda from 2000 to 2027, based on your age, state, driving record, credit tier and how much you drive. Under it, you will find average costs by model, the cheapest and most expensive Hondas to insure, and the questions Honda owners ask most often.

Written by VehiclesInformation Editorial Team. Figures are checked against 2026 national rate studies and state insurance rules. Last reviewed: November 2026.

How much does Honda insurance cost in 2026?

For a 40-year-old driver with a clean record and good credit, full coverage on a Honda averages about $2,600 a year, or roughly $217 a month, in 2026 national rate studies. Liability-only coverage runs closer to $105 a month. That puts Honda right around the national average for all brands.

Here is how the main models compare for full coverage (100/300/100 liability limits with $500 deductibles):

Honda model	Average yearly cost	Average monthly cost
CR-V	$2,316	$193
HR-V	$2,376	$198
Passport	$2,462	$205
Pilot	$2,481	$207
Odyssey	$2,486	$207
CR-V Hybrid	$2,506	$209
Ridgeline	$2,547	$212
Accord	$2,804	$234
Civic sedan	$2,809	$234
Civic hatchback	$2,906	$242
Prologue (EV)	$3,103	$259
Civic Si	$3,127	$261
Civic Type R	$3,798	$317

These are national averages. Your own price can be half of this in a low-cost state like Maine or Idaho, or far more in Michigan, Florida or Louisiana, where claims and lawsuits cost more.

Which Honda is the cheapest to insure?

The CR-V is usually the cheapest Honda to insure, at about $2,316 a year for full coverage. The base CR-V LX comes in even lower, around $2,278. The HR-V and the Odyssey minivan are close behind.

Family SUVs and minivans cost less to cover because the people who buy them tend to drive carefully, the vehicles do well in crash tests, and parts are easy to find. If you are choosing between a Civic and a CR-V and insurance matters to you, the CR-V often wins by $400 to $500 a year, even though it costs more to buy.

Which Honda is the most expensive to insure?

The Civic Type R is the most expensive Honda to insure, at close to $3,800 a year. It has 315 horsepower, a high price tag and parts that cost more to replace. The Civic Si and the electric Prologue come next, both above $3,100 a year.

The Prologue is pricey to insure for a different reason than the Type R. It is not a fast car, but EV battery packs and sensors are expensive to repair after even a moderate crash, so collision coverage costs more.

Are Hondas expensive to insure?

No, most Hondas are average or slightly below average to insure. The SUVs and the Odyssey are cheaper than average. The Civic and Accord sit a little above average, mostly because of theft and because they are popular with young drivers, who file more claims. Only the sporty Civic Si, Type R and the Prologue EV are clearly expensive.

Why is Civic insurance so high?

Civic insurance is higher than other Hondas mainly because of theft, the large number of young drivers who choose it, and its sporty Si and Type R trims. It is one of the most common complaints on Reddit and car forums, especially from drivers in their early twenties. Here is how each reason adds up:

• Theft. Older Civics and Accords have appeared on national most-stolen vehicle lists for years. Thieves take them for parts, and catalytic converters are a common target. Theft claims raise the cost of comprehensive coverage for everyone who drives one.
• Young drivers. The Civic is a classic first car. Insurers price each model partly on who usually drives it, and Civics have more young owners than an Odyssey or a Pilot.
• Sporty trims. The Si and Type R have more power and more expensive parts. If you are quoted on an Si, expect to pay roughly 10 to 15% more than for a base Civic.

If your Civic quote looks too high, try raising your comprehensive deductible, asking about anti-theft discounts and comparing at least three insurers. Rates for the same car and driver can differ by hundreds of dollars a year between companies.

Honda insurance for teens and new drivers

Teen rates are where the numbers really jump. A 16-year-old on their own policy can pay $660 to more than $1,500 a month for full coverage on a new CR-V, depending on the insurer. By 18, that drops to roughly $470 to $1,030 a month, and by 25 most drivers pay $160 to $310 a month.

A few things make a big difference for families:

• Add the teen to a parent’s policy instead of buying a separate one. It is almost always cheaper.
• Pick an older, safe Honda like a used CR-V or Accord rather than a new Civic Si.
• Ask about good student discounts, usually for a B average or better.
• Try a telematics program if your teen drives carefully. These apps track braking, speed and phone use and can lower the price.

For a full breakdown by age, see our guide to car insurance cost by age, or use the teen driver insurance calculator.

Real-world examples: what five Honda drivers might pay

To show how the factors stack up, here are five example drivers run through the calculator above. All have full coverage with a $500 deductible and drive 7,500 to 15,000 miles a year. These are estimates, not quotes.

Driver	Car	Estimated monthly	Estimated yearly
Maria, 34, Houston, Texas, clean record, good credit	2024 CR-V	$201	$2,416
Jake, 19, Columbus, Ohio, clean record, good credit	2018 Civic	$479	$5,746
Linda, 52, Tampa, Florida, clean record, excellent credit	2022 Odyssey	$217	$2,602
Dave, 41, Detroit, Michigan, one at-fault accident	2025 Accord	$461	$5,532
Ken, 68, Boise, Idaho, clean record, excellent credit	2016 Pilot	$134	$1,603

Jake pays more than twice what Maria pays, mostly because of his age, even though his Civic is older and worth less. Dave’s single accident and his Michigan address push a mainstream Accord into the same price range as a teen driver. Ken, in low-cost Idaho with an older Pilot and excellent credit, pays the least of the group.

How each calculator input changes your price

Driver age. Drivers under 20 pay roughly two and a half to three times what a 40-year-old pays. Rates fall sharply at 20 and again around 25, stay lowest from about 30 to 64, then rise slowly after 70.

State. Where you live matters as much as what you drive. Michigan, Florida, Louisiana, New York and New Jersey are among the most expensive states. Idaho, Iowa, Maine and the Dakotas are among the cheapest. Our car insurance calculator by state shows how each state compares.

Driving record. One at-fault accident typically raises your rate by around 40%, and a DUI can nearly double it. Most surcharges drop off after three to five clean years.

Credit. In most states, insurers use a credit-based insurance score. Moving from poor to excellent credit can cut your premium by around 40%. California, Hawaii and Massachusetts do not allow credit to be used for car insurance pricing, so the calculator ignores credit in those states.

Model year. Newer Hondas cost more to insure because they are worth more and are packed with sensors and cameras that are expensive to fix. Older Hondas cost less, especially once you drop collision coverage.

Coverage and deductible. Full coverage adds collision and comprehensive, which pay to repair or replace your own car. Moving from a $500 to a $1,000 deductible usually saves around 10%. Read more about how deductibles change your premium, or compare full coverage vs liability only.

Mileage. Drivers who cover fewer than 7,500 miles a year often get a lower rate, while long highway commutes add a little.

Does Honda Sensing lower your insurance?

Sometimes. Honda Sensing, which includes automatic emergency braking, adaptive cruise and lane keeping, is standard on most newer Hondas. Some insurers give a small discount for these features because they help prevent rear-end crashes, but many fold them into the base rate instead of listing a separate discount.

There is a catch: the radar and cameras behind the bumper and windshield are expensive to recalibrate after a crash or a windshield replacement, which can push collision and glass costs up. Ask your insurer directly whether they offer an advanced safety feature discount.

Insuring the Honda Prologue and the new Prelude

The Prologue is Honda’s electric SUV. Expect to pay about 10 to 20% more than for a CR-V, mainly because of battery and repair costs. Shopping around matters even more with EVs, because some insurers price them much higher than others.

The Prelude returned for 2026 as a hybrid sports coupe. Full insurance data is still limited because it is so new, but early quotes are expected to land between a Civic Si and a Type R, since it is a two-door sporty car with a price around $42,000. Read more in our 2027 Honda Prelude guide.

Ways to lower your Honda insurance cost

• Compare at least three quotes every year. Loyalty rarely gets you the lowest rate.
• Bundle your car with home or renters insurance.
• Raise your deductible if you have savings to cover it.
• Drop collision on an older Honda that is worth little.
• Ask for discounts: safe driver, good student, multi-car, paperless, paid-in-full and anti-theft.
• Install a steering wheel lock or tracker if you drive an older Civic or Accord in a high-theft area.
• Pay the full term at once instead of monthly to avoid installment fees.
• Keep your record clean. Tickets and accidents cost far more over three to five years than most people expect.

Frequently asked questions

Is a Honda CR-V cheap to insure?

Yes. The CR-V is the cheapest Honda to insure and costs less than average to insure overall, at about $2,316 a year for full coverage.

Is a Civic or an Accord cheaper to insure?

They cost almost the same. On average, the Accord and the Civic sedan both run about $2,800 a year for full coverage. The Civic hatchback costs slightly more.

Does insurance go down as my Honda gets older?

Usually, yes. As your Honda loses value, collision and comprehensive cost less. Once the car is worth only a few thousand dollars, dropping collision can save even more.

Do Hondas get stolen a lot?

Older Civics and Accords are among the most stolen cars in the US, mainly for parts. Newer Hondas with immobilizers and modern keys are stolen much less often.

How accurate is this Honda insurance calculator?

It gives a realistic range based on national rate studies and common pricing factors. Your actual quote will depend on your insurer, ZIP code, trim, credit and full history, so use it to plan, then compare real quotes. You can read how we estimate car insurance costs.

Is insurance higher on a Honda hybrid?

Slightly. The CR-V Hybrid costs about $190 a year more to insure than the gas CR-V, mostly because it is worth more and has more expensive parts.