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HONDA CIVIC 2004 Car Insurance

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The 2004 Honda Civic is a compact sedan known for its reliability, fuel efficiency, and affordable upkeep. A long-established model, it remains a popular choice among drivers seeking an economical and durable used vehicle.

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

Between 2021 and 2026, average premiums for the 2004 Honda Civic fluctuate significantly, dropping from $6074 in 2021 to $310 in 2022, rising again to $419 in 2024, then falling back to $281 in 2026. This variability likely reflects sampling differences on an older model rather than a stable trend.

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

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

Premiums are highest for the 2004 Civic in Drummondville ($663) and Repentigny ($472), while Brossard ($159) and Quebec City ($211) show the lowest amounts. Other cities fall within a mid-range.

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
DRUMMONDVILLE $662.56
GATINEAU $459.17
LÉVIS $366.5
LONGUEUIL $367.6
MONTRÉAL $289.26
QUÉBEC $211.21
REPENTIGNY $471.86
SHERBROOKE $189.66

Frequently asked questions (FAQ)

How much does insurance cost for a 2004 Honda Civic?
The average premium varies by reference year, ranging from $281 to $419 between 2022 and 2026, with an outlier value of $6074 in 2021 that appears atypical compared to other years.
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.
Are premiums for the 2004 Civic stable over time?
No. The data shows major swings, from $6074 in 2021 to $310 in 2022, then rising to $419 in 2024 before dropping to $281 in 2026, without a clear linear trend.
Which cities offer the lowest premiums for a 2004 Civic?
Based on the data provided, Brossard ($159) and Quebec City ($211) show the lowest average premiums for this model.
Why is there such a gap between Drummondville and Brossard?
Drummondville ($663) shows a premium more than four times higher than Brossard ($159), a gap that may reflect local differences in claim frequency and traffic density.
Does an older vehicle cost less to insure?
Generally yes, since replacement value decreases with age, though the cost of harder-to-find parts can sometimes offset this decline for certain older models.
How can I lower my premium for a 2004 Civic?
Comparing quotes from several insurers and checking eligibility for liability-only coverage, often sufficient for an older vehicle, can help reduce the premium.

Offers received by our customers on HONDA CIVIC 2004 cars

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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: 08/14/2026

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