Honda Car Insurance: What Owners Should Compare
Short answer
Honda sits in the mainstream insurance segment: strong IIHS safety ratings across the current lineup, Honda Sensing standard on most models, and claim severity that generally tracks the all-vehicle average per HLDI reporting. The one line in the data that moves individual Honda premiums the most is theft: the Accord and Civic both sit in the NICB’s 2025 top 10 most stolen vehicles, which can meaningfully raise comprehensive premium in high-theft ZIP codes even on a clean record.23
What actually moves a Honda quote
- Which model. Civic and Accord sit in different segments than CR-V and Pilot. Insurance scales with the vehicle value, replacement cost, and segment-level claim data1.
- Theft exposure. The Accord and Civic are in the NICB top 10 for 2025. Comprehensive premium in theft-heavy ZIPs carries most of this cost2.
- Trim and performance variant. Civic Si and Civic Type R carry different collision loss profiles than Civic LX. CR-V Hybrid vs CR-V gasoline affects replacement cost.
- Honda Sensing presence. The standard driver- assist suite affects claim frequency on later models4.
- Vehicle age and ACV. A ten-year-old Civic carries materially lower collision and comprehensive premium than a current-generation Civic simply because the payout ceiling at a total loss is lower5.
Why Honda insurance behaves the way it does
Honda’s U.S. lineup is unusually consistent in two ways that insurers price for. Current Honda cars and SUVs rate well with the IIHS: the 2024 awards list carries Top Safety Pick or TSP+ ratings for Civic, Accord, CR-V, Pilot, and Odyssey. Honda Sensing (the manufacturer’s advanced driver-assist suite) is standard equipment on current trims across the car and SUV lineup. Those two facts combine to pull injury claim frequency down compared with older or less-equipped vehicles in the same segment34.
The counterweight is theft. The National Insurance Crime Bureau’s 2025 Hot Wheels report puts the Honda Accord at the number two most-stolen vehicle in the United States and the Honda Civic at number five2. That is a comprehensive-coverage phenomenon, not a collision one, and it loads premium differently depending on where the vehicle is garaged. A 2020 Civic in a theft-heavy ZIP can carry comprehensive premium well above what the same car carries in a low-theft rural ZIP.
The Honda U.S. lineup at a glance
| Model | Segment | Insurance notes |
|---|---|---|
| Civic | Small car (sedan and hatchback; Si and Type R performance variants) | IIHS 2024 Top Safety Pick / TSP+. Appears in NICB’s 2025 top 10 most stolen vehicles, which affects comprehensive premium in high-theft ZIPs. |
| Accord | Mid-size sedan (gasoline and hybrid) | IIHS 2024 Top Safety Pick. NICB 2025 ranks Accord second among the top 10 most stolen vehicles in the U.S. |
| CR-V | Compact SUV (gasoline and hybrid) | IIHS 2024 Top Safety Pick. Compact-SUV segment claim severity tends to run below the all-vehicle average per HLDI. |
| Pilot | Three-row mid-size SUV | IIHS 2024 Top Safety Pick. Family-SUV segment is a common fit for larger households; higher PD-liability profile than the Civic. |
| Odyssey | Minivan | Minivan segment typically carries below-average collision frequency per HLDI reporting. |
| HR-V, Passport, Ridgeline | Subcompact SUV / off-road SUV / mid-size pickup | Lower-volume members of the Honda U.S. lineup. The compact pickup Ridgeline sits in a different segment than full-size pickups. |
Only the model rows that link out above have YesWeSure deep-dive pages right now; the rest of the lineup is covered at the segment level here. For dollar-level cost context across all vehicles, see our how much is car insurance hub.
How to actually shop Honda coverage
- Hold coverage identical. Compare quotes on identical liability limits, collision and comprehensive deductibles, and the same optional endorsements. Comparing a GEICO quote against a State Farm quote with different limits is comparing two different policies.
- Check the theft premium delta. Comprehensive premium is the line that reflects the NICB-level theft exposure on Accord and Civic. If the comprehensive premium is materially above segment benchmarks, pay attention to that line rather than the headline total.
- Price two deductibles. Running collision at $500 and $1,000 shows your real risk-vs-cash trade-off. Civic and CR-V ACV is modest enough that a higher deductible usually makes sense on older-generation examples.
- Add context for teen drivers. Civic is one of the most common first cars. See our best car insurance for teens shortlist for the carriers that typically rate youthful drivers best on this segment.
- Shop annually. HLDI publishes updated loss reports once a year. The carrier that was cheapest at your last renewal is not guaranteed to be cheapest at your next.
Comparing Honda quotes? Hold deductibles and limits constant across every carrier.
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Common follow-up questions
Why is Honda insurance usually described as cheap?
Honda insurance tends to be mainstream-segment pricing rather than cheap in absolute terms. Collision claim severity across the current Honda car and SUV range generally tracks or sits slightly below the all-vehicle average per HLDI reporting, and the strong IIHS safety record pulls injury-claim frequency down. Comprehensive premium is the exception where Accord and Civic carry higher cost because of theft exposure12.
Does the specific model matter more than the make?
Yes. Civic and Pilot share almost nothing in common insurance- wise: different segment, different value, different claim- severity profile. If you’re comparing Honda quotes, compare at the model level. For Civic specifically, see our Civic insurance deep-dive.
Does Honda Sensing lower my insurance?
Honda Sensing is a feature set, not a line item on your policy. In segments where IIHS front-crash-prevention ratings improve injury claim data, insurers price for that at the vehicle level over time. It is not a direct discount4.
Should I add anti-theft to a Civic or Accord policy?
Both come with factory immobilizers. GEICO and other carriers offer a documented anti-theft discount for qualifying aftermarket systems, usually tied to the comprehensive premium. The savings may be modest. See our GEICO discounts breakdown for the specific discount mechanics.
Sources
- Highway Loss Data Institute (HLDI): Insurance loss information by make and model (Highway Loss Data Institute)
- NICB Hot Wheels Report 2025 (America’s top 10 most stolen vehicles). Honda Accord and Honda Civic both appear in the top 10. (National Insurance Crime Bureau)
- IIHS 2024 Top Safety Picks – Honda (Civic sedan TSP+, Civic hatchback TSP, Accord, CR-V, Pilot, Odyssey detail) (Insurance Institute for Highway Safety)
- Honda Sensing (standard advanced driver-assist suite on current Honda models) (American Honda Motor Co.)
- Insurance Information Institute: Insuring your vehicle (what drives premium by vehicle) (Insurance Information Institute)
NICB rankings and HLDI loss indices refresh annually. Last reviewed .