Does Honda offer its own insurance in NZ?

Honda New Zealand does not offer its own branded car insurance product. However, Honda Financial Services may offer GAP insurance when financing a new Honda. For standard car insurance, you'll need to compare quotes from NZ insurers like AA, AMI, State, or Tower.

Honda Car Insurance NZ 2026 | Compare Quotes & Cover

Q: Are Hondas cheap to insure in New Zealand?

Yes, Hondas are generally affordable to insure in NZ. They have good safety ratings, reliable parts availability, and reasonable repair costs. The Honda Jazz is one of the cheapest cars to insure in New Zealand.

Q: What type of insurance is best for a Honda?

For newer Hondas (under 10 years old), comprehensive insurance is worth considering to protect your investment. For older Hondas worth under $5,000, third party fire and theft may offer better value.

Honda Car Insurance in New Zealand - What You Need to Know

Honda is one of the most popular car brands in New Zealand, with models like the Jazz, Civic, CR-V, and HR-V regularly appearing among the country's top sellers. Their reputation for reliability, strong safety ratings, and affordable parts makes them a favourite with both drivers and insurers.

From an insurance perspective, Hondas are generally affordable to insure compared to European and luxury brands. Most Honda models fall into low-to-mid insurance groups, thanks to their excellent crashworthiness ratings, readily available spare parts, and lower-than-average repair costs.

All major NZ insurance providers - including AA Insurance, AMI, State, Tower, and ANZ - offer cover for Honda vehicles. Whether you own a brand-new Honda from an authorised dealership or a used import from Japan, you'll have no trouble finding competitive quotes. See our full NZ car insurance comparison for more.

Why Hondas Are Popular to Insure in NZ

Reliability: Honda consistently ranks among the most reliable car brands, leading to fewer mechanical claims
Safety ratings: Most current Honda models achieve 5-star ANCAP safety ratings, which can lower premiums
Parts availability: Honda parts are widely available in NZ through both dealerships and aftermarket suppliers
Repair costs: Labour and parts costs for Hondas are typically lower than European equivalents
Resale value: Strong resale values mean agreed-value policies remain competitive
Wide model range: From the compact Jazz to the family-sized CR-V, there's a Honda for every budget and insurance tier

Honda Insurance Costs by Model

Estimated annual comprehensive insurance costs for popular Honda models in New Zealand. Based on a 35-year-old driver with a clean record in Auckland.

Model	Type	Approx. Value (Used)	Est. Comprehensive/yr	Insurance Group	Notes
Honda Jazz / Fit	Hatchback	$8,000–$25,000	$480–$750	Low	One of NZ's cheapest cars to insure. Excellent city car.
Honda Civic	Sedan / Hatch	$12,000–$45,000	$600–$950	Low–Mid	Hugely popular in NZ. Sedan and hatch versions available.
Honda Civic Type R	Performance	$45,000–$75,000	$1,200–$1,800	High	Performance variant - higher premiums due to power output and theft risk.
Honda HR-V	Small SUV	$15,000–$40,000	$650–$1,000	Low–Mid	Compact SUV with strong safety ratings. Popular with families.
Honda CR-V	Mid-size SUV	$18,000–$55,000	$750–$1,150	Mid	Best-selling Honda SUV in NZ. Hybrid versions available.
Honda Accord	Sedan	$8,000–$35,000	$600–$950	Low–Mid	Larger sedan popular as an import. Comfortable highway cruiser.
Honda City	Sedan	$5,000–$18,000	$400–$650	Low	Budget-friendly sedan. Very affordable to insure.
Honda e:Ny1 / e	Electric	$35,000–$60,000	$900–$1,400	Mid	EV models - check for specialist EV cover and 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.

Types of Insurance Cover for Your Honda

Choose the right level of protection based on your Honda's age and value.

Third Party Only

From ~$200–$400/yr

Covers damage you cause to other vehicles or property. Your Honda is not covered. Best for older Hondas worth under $3,000.

✓ Third-party property damage
✗ Your Honda - accidents
✗ Your Honda - theft
✓ Cheapest option

Third Party, Fire & Theft

From ~$300–$550/yr

Adds fire and theft protection for your Honda. Good value for Hondas worth $3,000–$10,000 where replacement cost matters.

✓ Third-party property damage
✗ Your Honda - accidents
✓ Your Honda - theft
✓ Your Honda - fire

Comprehensive

From ~$600–$1,100/yr

Full protection for your Honda. Covers accident damage, theft, fire, weather, vandalism, and third-party liability. Commonly chosen for Hondas worth $10,000+.

✓ Third-party property damage
✓ Your Honda - accidents
✓ Your Honda - theft
✓ Natural disaster damage
✓ Windscreen / glass

What Affects Your Honda Insurance Premium

Understanding these factors can help you find cheaper Honda insurance in NZ.

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Honda Model & Year

A Honda Jazz is significantly cheaper to insure than a Civic Type R. Newer models with advanced safety features can qualify for discounts.

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Your Age & Experience

Drivers under 25 pay considerably more. Over-25s with a clean licence and driving history get the best rates on Honda insurance.

📍

Where You Live

Auckland and Wellington typically have higher premiums than smaller centres due to higher theft rates and traffic density.

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Security Features

Hondas with factory immobilisers, alarms, or aftermarket tracking devices can attract lower premiums from some NZ insurers.

⭐

No-Claims Bonus

Up to 65% discount for claim-free years. Protect your NCB - some insurers offer bonus protection so one claim doesn't reset it.

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Modifications

Aftermarket modifications (lowering, exhausts, turbos) increase premiums and must be declared. Standard Hondas are cheapest to insure.

Tips to Save on Honda Insurance in NZ

Practical ways to reduce your Honda insurance premium without sacrificing cover.

Compare Multiple Quotes

Honda premiums can vary by $300+ between providers for the same cover. Always get at least 3 quotes before choosing.

Increase Your Excess

Raising your excess from $400 to $750 can save 10–20% on your premium. Only do this if you can afford the higher excess if you claim.

Pay Annually

Most NZ insurers charge a loading for monthly payments. Paying annually can save 5–10% - that's $50–$100 on a typical Honda policy.

Bundle Your Policies

Insure your Honda alongside your home or contents insurance with the same provider. Multi-policy discounts of 5–15% are common in NZ.

Limit Named Drivers

Adding young or inexperienced drivers increases premiums significantly. Only add drivers who regularly use your Honda.

Keep Your Honda Secure

Garaging your Honda overnight and installing an approved alarm or immobiliser can reduce premiums. Let your insurer know about security features.

Honda Theft & Safety in New Zealand

Key facts about Honda vehicle security and safety performance in NZ.

🔒 Honda Theft Risk in NZ

Older Honda models (particularly 1990s–2000s Civics and Integras) have historically appeared on NZ's most-stolen vehicle lists, largely due to their popularity and the ease of stripping parts. However, modern Hondas (2010+) with factory immobilisers and smart key systems are significantly harder to steal.

Modern Hondas have low theft rates compared to their popularity
Factory immobilisers are standard on all models from mid-2000s
Parking in a garage or secure area can lower premiums
Aftermarket alarms and GPS trackers offer additional savings

⭐ Honda Safety Ratings (ANCAP/Euro NCAP)

Honda has an excellent safety record in New Zealand, with most current and recent models achieving top safety ratings. Better safety ratings can positively influence your insurance premium.

Honda Civic (2022+): 5-star ANCAP rating
Honda CR-V (2023+): 5-star ANCAP rating
Honda HR-V (2022+): 5-star ANCAP rating
Honda Jazz (2020+): 5-star Euro NCAP rating
Honda Accord (2023+): 5-star ANCAP rating

Honda Insurance FAQs

Common questions about insuring your Honda in New Zealand.

How much does Honda car insurance cost in NZ?

Honda car insurance in NZ typically costs $600–$1,100 per year for comprehensive cover, depending on the model, your age, location, and driving history. The Honda Jazz is one of the cheapest cars to insure (from ~$480/yr), while the Civic Type R is at the higher end (~$1,200–$1,800/yr). Third Party Fire & Theft cover for a Honda ranges from $300–$550/yr.

Are Hondas cheap to insure in New Zealand?

Yes, Hondas are generally affordable to insure compared to European brands like BMW, Audi, or Mercedes-Benz. Their strong safety ratings, reliable engineering, widely available spare parts, and reasonable repair costs all contribute to lower insurance premiums. The Honda Jazz and City are among the cheapest cars to insure in NZ.

What type of insurance should I get for my Honda?

For newer Hondas worth over $10,000, comprehensive insurance is worth considering to protect your investment. For older Hondas worth $3,000–$10,000, third party fire & theft offers a good balance of protection and cost. For very old Hondas worth under $3,000, third party only may be sufficient - but remember you'll have no cover if your car is damaged or stolen.

Does Honda NZ offer its own car insurance?

No, Honda New Zealand does not offer its own branded car insurance product. However, Honda Financial Services may offer GAP insurance or mechanical breakdown insurance when you finance a new Honda through them. For standard car insurance (comprehensive, third party), you'll need to compare quotes from NZ providers like AA Insurance, AMI, State, Tower, or other mainstream insurers.

Should I get agreed value or market value for my Honda?

For newer Hondas (under 5 years old), agreed value is generally worth considering - you lock in a payout amount so there are no surprises if the car is written off. For older Hondas that are depreciating, market value may be cheaper but you risk receiving less than expected. Hondas tend to hold their value well in NZ, so agreed value policies are usually competitive.

Are imported Hondas more expensive to insure?

Japanese import Hondas (e.g., Honda Fit, Odyssey, Stepwgn) are generally not more expensive to insure than NZ-new models, as Honda parts are widely available regardless of origin. However, some rarer import-only models or modified vehicles may attract higher premiums. Always declare if your Honda is an import when getting quotes.

Is a Honda Civic Type R expensive to insure?

Yes, the Honda Civic Type R is significantly more expensive to insure than a standard Civic - typically $1,200–$1,800/yr for comprehensive cover. Its higher performance, turbocharged engine, and higher value place it in a higher insurance group. Young drivers may face even higher premiums for this model.

Do Honda's safety features lower my insurance?

Yes, Honda's safety features - including Honda SENSING (autonomous emergency braking, lane keep assist, adaptive cruise control) - can positively influence your premium. Insurers consider ANCAP safety ratings and advanced driver assistance systems (ADAS) when calculating risk. Models with 5-star ratings and comprehensive safety suites typically attract lower premiums.

Honda Car Insurance in New Zealand

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