HONDA CIVIC 2004 Car Insurance

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The 2004 Honda Civic is a compact sedan known for its legendary reliability and low maintenance costs. Popular among young drivers and budget-conscious buyers, it remains an economical and durable choice on the used-car market.

HONDA CIVIC 2004 CAR INSURANCE RATES OVER THE LAST 5 YEARS.

Between 2021 and 2026, premiums for the 2004 Honda Civic fluctuate sharply, moving from $9553 in 2021 to $299 in 2026, following much lower values in 2022 ($310), 2023 ($313), 2024 ($419), and 2025 ($391). This initial spike appears to be a one-time anomaly rather than a stable trend, with recent data pointing to notably modest premiums for this aging vehicle.

To find the best insurance for your HONDA CIVIC 2004 vehicle, it is more important than ever to compare the available options.

Get low-cost insurance for your HONDA CIVIC 2004

How much does insurance for your HONDA CIVIC 2004 cost in Quebec?

Premiums are highest for the 2004 Civic in Montreal ($779) and Gatineau ($684), while Brossard ($159) and Trois-Rivières ($250) show the lowest amounts. Other cities, such as Drummondville ($663) and Repentigny ($472), fall in a mid-range bracket.

To get the exact cost for your situation, the best approach is to compare offers from several insurers. Using our Clicassure comparison tool, you can easily find the best premium tailored to your needs.

City	Average price over the last 12 months
BROSSARD	$159.42
DRUMMONDVILLE	$662.56
GATINEAU	$683.99
LONGUEUIL	$367.6
MONTRÉAL	$499.68
QUÉBEC	$211.21
REPENTIGNY	$471.86
TERREBONNE	$380.82

Frequently asked questions (FAQ)

How much does insurance cost for a 2004 Honda Civic?

Based on available data, the average premium for a 2004 Honda Civic has varied significantly, reaching $299 in 2026 after amounts between $310 and $419 from 2022 to 2025. The $9553 figure from 2021 appears to be an outlier.

Is auto insurance mandatory in Quebec?

Yes. In Quebec, minimum civil liability coverage of $50,000 is mandatory for any road vehicle driven on public roads.

Why did the 2004 Civic's premium vary so much over time?

The large gap seen in 2021 ($9553) compared to later years ($310 to $419) suggests an exceptional data point rather than a real trend. Since 2022, premiums have remained noticeably more stable and affordable.

Which city offers the lowest insurance cost for a 2004 Civic?

Based on the data provided, Brossard ($159) and Trois-Rivières ($250) post the lowest average premiums for this model.

Which city has the highest insurance cost for a 2004 Civic?

Montreal ($779) and Gatineau ($684) show the highest average premiums among the cities provided for this model.

What factors influence the premium for a 2004 Civic today?

Vehicle age, reduced replacement value, driver profile, and city of residence are the main factors determining the premium for this older model.

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Methodology

To guarantee you the best possible information, the data presented on this page is based on the following rigorous criteria :

Analysis period: Our analyses are based solely on insurance submissions collected over the millions of submissions in recent years, thus guaranteeing the relevance of our comparisons.
Real-world comparisons: We only use data from insurance submissions that actually resulted in a sale.
Proven savings: The results presented only reflect cases where the user has saved money thanks to our comparison tool.
Last updated: 07/09/2026

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Disclaimer: This article is intended for information purposes, with the sole objective of providing food for thought. Under no circumstances should it be construed as advice regarding insurance solutions. Only a duly certified insurance professional is qualified to analyze your personal situation, discuss your needs with you and advise you on insurance solutions.

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