Introduction
The Honda Civic road tax and insurance price is higher than a compact sedan’s, reflecting its 1.5-litre turbo engine and premium C-segment value. It’s still straightforward once you know the numbers.
This guide covers the 2026 figures — road tax, average premium, third-party vs comprehensive, NCD and how to pay less. Before you renew, you can compare and renew in minutes on Bjak.
Honda Civic Road Tax Price
The Civic uses a 1,498cc (1.5L) VTEC Turbo engine, placing it in the “1,401–1,600cc” band. In Peninsular Malaysia that’s a flat road tax of RM90 per year (road tax is based on engine capacity, not the turbo).
Sabah and Sarawak rates differ slightly. Check yours with how to check car road tax prices and see what determines road tax prices in Malaysia.
Average Insurance Premium for the Civic
With a market value of roughly RM110,000–RM170,000, the Civic’s comprehensive premium usually falls around RM2,800–RM4,500 a year — higher than a small sedan because the sum insured is larger.
Your final price depends on sum insured and driver profile — see how car insurance prices in Malaysia are set.
What Affects Your Civic Premium
The biggest factors are your car’s sum insured, your NCD, your location and any add-ons. As a higher-value car, the Civic’s premium is driven mostly by its market value.
Dig deeper with the 7 factors that determine your premium and how the premium is calculated.
Third-Party vs Comprehensive Price
Third-party is the cheapest legal option but won’t repair your own Civic — a real risk for a higher-value car. Comprehensive covers accidents, theft and fire to your own car.
Compare in pros & cons of third-party insurance and comprehensive insurance explained. For a Civic, comprehensive is strongly recommended.
NCD Example
Your NCD can reduce your premium by up to 55% after five claim-free years. On a Civic, that’s a substantial saving each renewal.
Example: a base comprehensive premium of RM3,500 with full 55% NCD drops to about RM1,575. Read the guide to NCD rates and how safe driving saves more.
Total Cost at a Glance
| Item | Third Party | Comprehensive |
|---|---|---|
| Road tax (1.5L) | RM90/year | RM90/year |
| Typical premium | ~RM200–RM280/year | ~RM2,800–RM4,500/year |
| Covers your own car | No | Yes |
| Theft & fire | No | Yes |
How This Affects You
Knowing the Honda Civic road tax and insurance price helps you recognise a fair quote at renewal and avoid overpaying. Because it’s a higher-value car, your sum insured has the biggest impact — so setting it accurately matters.
A quick yearly review before you renew keeps your protection accurate and your cost under control.
How to Reduce Your Civic Premium
Protect your NCD, insure at an accurate market value, drop unnecessary add-ons, and always compare before renewing.
More tips: 8 tricks to save on your premium and 5 tips to save when you renew.
Frequently Asked Questions
- How much is road tax for a Honda Civic?
The Civic has a 1,498cc turbo engine, so road tax is a flat RM90 per year in Peninsular Malaysia (based on engine capacity, not the turbo). Rates in Sabah and Sarawak differ slightly. - How much is insurance for a Honda Civic?
Comprehensive insurance for the Civic usually costs around RM2,800–RM4,500 a year, depending on your sum insured, NCD and driver profile. - Should I get third-party or comprehensive cover?
Third-party is the cheapest legal minimum but only covers others. For a higher-value car like the Civic, comprehensive is strongly recommended as it protects your own car against accidents, theft and fire. - Does my NCD lower the Civic insurance price?
Yes. Your No Claim Discount can cut your premium by up to 55% after five claim-free years — for example, RM3,500 dropping to about RM1,575. - How can I lower my Honda Civic premium?
Protect your NCD, insure at an accurate market value, drop add-ons you do not need, and compare quotes before renewing. - How does this affect my car insurance renewal?
Knowing your Civic road tax and premium range helps you recognise a fair quote at renewal. A quick check on bjak.my makes it easy to compare and renew.
Related Bjak Guides
For more context, read road tax price: how much you have to pay, the difference between car insurance and road tax, and understanding sum insured. These guides help you check prices, NCD, premiums or add-ons before choosing the right policy.
How Bjak Helps
Bjak makes insuring your Civic simple. Compare quotes from 10+ insurers side by side, see the best price and coverage without calling an agent, and renew online in one sitting.
Bjak also sends free renewal and road tax reminders by email, SMS and app notification, so you never miss a due date or overpay at the last minute.
Conclusion
The Honda Civic road tax and insurance price is reasonable for its class — RM90 road tax and a comprehensive premium that often lands around RM2,800–RM4,500. Keep your NCD, insure at the right value, and compare before you commit.
Before your next renewal, compare quotes and renew in minutes on bjak.my — the simplest way to stay covered, stay legal and get the best price.
Also Read:
Harga Road Tax dan Insurans Proton X50 di Malaysia (2026)
Harga Road Tax dan Insurans Perodua Bezza di Malaysia (2026)
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