Question 1

How much is Honda Civic insurance per year?

Accepted Answer

Honda Civic comprehensive insurance costs RM3,100-4,800 per year at 0% NCD depending on variant. With maximum 55% NCD, you could pay as low as RM1,400-2,200. The e:HEV RS hybrid is the most expensive to insure, while the 1.5L E is the most affordable.

Question 2

Is Honda Sensing calibration covered by insurance?

Accepted Answer

With quality insurers like Allianz and Zurich, yes - Honda Sensing calibration (RM300-600) is covered as part of repairs. Budget insurers often exclude or dispute this. Since Honda Sensing is standard on ALL Civic variants, confirm calibration coverage before purchasing your policy.

Question 3

Does the RS variant cost much more to insure?

Accepted Answer

About 12-18% more than the E variant due to higher car value and larger 18-inch wheels that are more expensive to replace. The insurance difference is around RM200-270/year at 55% NCD - manageable for the RS experience.

Question 4

Should I get the hybrid (e:HEV RS) or turbo for insurance savings?

Accepted Answer

The e:HEV RS costs 25-35% more to insure than turbo variants. However, fuel savings (~4L/100km vs 6.3L/100km) can offset the higher premium if you drive 20,000+ km/year. The hybrid also has an 8-year battery warranty from Honda.

Question 5

Is agreed value worth it for Honda Civic?

Accepted Answer

Yes, especially in the first 2-3 years. Civic holds value well but still depreciates. Agreed value locks in your payout amount, protecting against under-compensation if totaled. Premium increase of 5-15% is usually worth the certainty on a RM130k-168k car.

Question 6

Can any workshop repair my Civic?

Accepted Answer

For general body work, yes. But Honda Sensing calibration requires equipped workshops, and hybrid (e:HEV) repairs require hybrid-certified technicians. Post-warranty, quality independent workshops are fine for most repairs - just ensure ADAS calibration capability.

Question 7

How do I protect my NCD on a new Civic?

Accepted Answer

With 55% NCD saving you RM1,700+ per year, pay cash for minor damage under RM1,500 instead of claiming. A small claim resets your NCD for 5+ years, costing far more than the repair itself. Calculate before every claim.

Question 8

What coverage does a first-time Civic owner need?

Accepted Answer

Minimum: comprehensive coverage with windscreen cover (include Honda Sensing calibration), personal accident, and flood cover if in a flood-prone area. Recommended extras: special perils, key replacement cover, and roadside assistance.

Civic Variant	Engine	Market Value	Comprehensive	Third Party
Civic 1.5L E	1.5L VTEC Turbo (182 PS)	RM110,000	RM3,100-3,600/year	RM300-420/year
Civic 1.5L V	1.5L VTEC Turbo (182 PS)	RM120,000	RM3,400-3,900/year	RM320-440/year
Civic 1.5L RS	1.5L VTEC Turbo (182 PS)	RM127,500	RM3,550-4,200/year	RM340-460/year
Civic e:HEV RS	2.0L Hybrid e:HEV (184 PS)	RM145,000	RM4,000-4,800/year	RM380-520/year

Feature	Comprehensive	Third Party
Price for Civic	RM3,100-4,800/year	RM300-520/year
Own Damage Cover
Theft Protection
Third Party Liability
Best For	New/financed Civic (under 8 years old)	Old Civic (8+ years old)

Civic Insurance Price Malaysia 2026

Honda Civic

Civic Insurance Price Comparison 2026

Factors Affecting Your Civic Insurance Price

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