The short answer: on the figures we can show, the Civic 1.5 Turbo sits at the lower end for insurance against similar cars. Its road tax is that of a 1.5-litre car. The versions on sale, though, span a wide range of list prices and engines. Which Civic you pick changes the sums.
What follows is the reasoning, cost by cost. The insurance prices are examples for stated drivers, read on 20 October 2026. They are not quotes.
The versions, and why they matter
The new-car list read on 2026-10-10 has four Civic versions on sale. The body type is given as sedan, and the cars are made in Thailand:
- Civic 1.5 Turbo: petrol, 1,498cc, 127bhp
- Civic Hatchback 1.5: petrol, 1,496cc, 180bhp
- Civic Hybrid 2.0 e:HEV: petrol-electric, 1,993cc
- Civic Type-R 2.0 VTEC Turbo: petrol, 1,995cc, 326bhp
The quote form also lists many older Civics, from a 988cc version to a 2.0GL at 1,998cc. Insurance and road tax below are for the 1.5 Turbo VTIS (1,498cc), the version most insurers quote.
List prices
As listed on 2026-10-10, with COE included that day:
- 1.5 Turbo: S$218,899
- Hatchback 1.5: S$242,000
- Hybrid 2.0 e:HEV: S$245,899
- Type-R 2.0 VTEC Turbo: S$298,800
These prices move with the COE. A showroom quote later may differ. Compare what each offer includes, not just the headline figure.
COE category
For the Civic 1.5 Turbo VTIS, with a 1,498cc engine, power decides. It needs a Category A COE if its power is 97kW (130bhp) or less, and Category B if it is more.
In the October 2026 1st round, Category A closed at S$130,001 and Category B at S$130,100. Results change each round, and the COE page shows the latest.
Road tax
For the 1,498cc engine, LTA's formula comes to S$683.08 a year, before any age surcharge. The 2.0-litre versions pay more, and the road tax page works out other engine sizes.
After 10 years, a surcharge applies:
- Over 10 years: +10%
- Over 11 years: +20%
- Over 12 years: +30%
- Over 13 years: +40%
- Over 14 years: +50%
Who it suits on cost
A family's main driver in mid-career
The Honda Civic price page prices a driver aged 40, married, in an office job, driving 10 to 19 years. The car is a 1.5 Turbo VTIS, 3 years old, private use, comprehensive cover. The driver has a 50% no-claim discount (NCD), no claims, and uses an authorised workshop.
For that driver, 15 insurers price the car. The lowest premium is S$642.42 a year. The insurer whose lowest plan is dearest asks at least S$1,623.56, which is S$981.14 more, or 153% on top. Prices include 9% GST.
An older driver
A driver aged 65 with 20 or more years' driving and a 50% NCD sees the same lowest price, S$642.42. One fewer insurer prices that driver.
A buyer of a newer or older car
A new Civic, registered this year, starts at S$660.69, which is S$18.27 more. An 8-year-old Civic starts at S$586.41, which is S$56.01 less.
Who may pay more
A younger driver
A driver aged 27, with 3 years' driving and a 30% NCD, starts at S$1,036.64. That is S$394.22 more than the standard case.
Anyone without an NCD
The same mid-career driver with no NCD also starts at S$1,036.64. That is 61% more, the biggest change on the page. A 20% NCD lands on the same figure.
Anyone who claims often
Most plans carry a S$600 excess. Others range from S$500 to S$3,000, and one plan has none. A lower premium can come with a much larger share of each claim. These are lowest prices only, so other plans move by other amounts.
One insurer on the panel has no online price for the Civic yet.
Against similar cars
For the same driver and car age, the price page lists six similar cars:
- Mazda 3: S$927.36
- BMW X1: S$811.71
- Mercedes-Benz GLB: S$787.96
- Hyundai Kona: S$721.59
- Toyota Corolla Altis: S$642.42
- Toyota Sienta: S$604.07
Their average lowest price is S$749.19. The Civic sits 14% below it. Only the Toyota Sienta is lower, and the Toyota Corolla Altis matches it. Other Honda models are on the Honda car insurance page.
Questions to ask yourself
- Which version? The list prices run from S$218,899 to S$298,800, and engines from 1,496cc to 1,995cc.
- What is your NCD? It moves the insurance price more than anything else here.
- Who else will drive? A younger named driver can lift the premium.
- Where will you park? Season parking at your HDB block or condo is a cost of its own.
- How far will you drive? Petrol and ERP depend on your mileage and routes.
- How long will you keep it? Servicing, tyres and depreciation add up over the COE's life, and depend on you.
Summary of yearly costs we can show
For the Civic 1.5 Turbo VTIS, with dates as shown:
- Road tax: S$683.08 a year, before any age surcharge (LTA's formula, checked 2026-10-19)
- Insurance, standard driver: from S$642.42 a year (20 October 2026)
- Insurance, driver aged 27: from S$1,036.64
- Insurance, no NCD: from S$1,036.64
- Insurance, a car 8 years old: from S$586.41
One-off costs, for reference: S$218,899 for the 1.5 Turbo as listed on 2026-10-10, and a COE of S$130,001 (Category A) or S$130,100 (Category B) in the October 2026 1st round.
Before you buy: car insurance for the Honda Civic
Before you drive off, get your car insurance through Shenton Brokers. Compare car insurance for the Honda Civic to see today's prices from every insurer we compare and how they change with the driver and the car's age. Or get a quote with your own details.