Honda Civic EX Lease
Leasing a Honda Civic EX will cost drivers between $372 and $561 a month for a 36-month lease.
Written by Ethan Moser
Reviewed by Jessica Barrett
Drivers leasing a 2022 Honda Civic EX can expect to pay anywhere between $372 and $561 a month for a 36-month lease. The exact cost will depend on your mileage plan, down payment, and credit score, among other contributing factors.
Leasing a Civic EX is the best way to enjoy this Honda model’s upscale appearance and updated cabin without the hassle of traditional auto financing methods like a
car loan
. But which Honda Civic EX lease is right for you? Here to help you find out is
Jerry
, the car insurance
shopping app. Jerry’s step-by-step guide will lay out everything you’ve ever wanted to know about leasing a Honda Civic EX—from how much you’ll pay each month to the specifics of the leasing process to your end-of-lease options. Find out if you can reduce your monthly car payments in minutes
* checking your rate won’t affect your credit score
Check your rate
* checking your rate won’t affect your credit score
How to lease a Honda Civic EX
Leasing a Honda Civic EX is a straightforward endeavor for the most part. But if you’re a first-time lessee, this step-by-step checklist will help boost your car-leasing confidence.
- Check your credit score. You might have a hard time finding an affordable car lease with a lackluster credit score. Generally speaking, a credit score lower than 630 is likely to result in higher lease payments—or being denied a lease altogether. Ideally, dealerships will reward drivers with credit scores higher than 650 with lower monthly payments.
- Determine your budget. Committing to a lease payment that you can’t afford is a surefire way to sink your credit. For the best leasing experience, avoid budgeting more than 15% of your monthly income to your lease payments. For example, if you earn $4,000 a month, you should aim to secure a lease that’s less than $600 per month.
- Estimate your down payment. Your down payment can help to lower your monthly payments, especially if it’s a significant amount. Consider saving up to put down something substantial.
- Calculate your annual mileage. Honda leases typically offer drivers 12,000 miles per year, but you can lease for up to 33,000 miles per year. However, keep in mind that the more miles you want, the more money you’re likely to pay.
Once you’ve gone through this checklist, you’re ready to head off to your local Honda dealership and begin the leasing process. There, you’ll meet with a leasing agent and compare lease offers on a Honda Civic EX.
Having a set budget in mind before starting the leasing process will help you avoid agreeing to any potentially expensive add-ons at the dealership.
The final step: shop for insurance
Before getting behind the wheel of your newly leased Honda Civic EX, you’ll need to protect your investment with reliable car insurance. You'll likely be required by your dealer to get what's called "
full-coverage
" car insurance, which goes above and beyond what your state requires. “Jerrywas easy to use, and they saved me a lot of money on my truck. I would definitely recommend them.” —Johannes T.
How much does a Honda Civic EX lease cost?
On average, a Honda Civic EX lease will cost you between $372 and $561 a month.
The exact cost of your monthly lease payments will depend on a number of factors, including your mileage plan, lease term length, and down payment. Your credit score and location may also factor into how much your lease will cost.
Typically, Honda offers drivers a base plan of 12,000 annual miles on a Honda Civic EX lease, but you’ll have the option to upgrade to up to 33,000 annual miles if you have a particularly long commute or are planning on road tripping in your leased vehicle.
One of the biggest contributing factors to increased monthly lease payments, however, is the lessee’s credit score. A higher credit score will result in a lower monthly payment and vice versa.
Let’s break down how much you can expect to pay monthly for a 2022 Honda Civic EX depending on your credit score.
Credit score | Monthly payment |
|---|---|
520-609 | $561 |
610-669 | $385 |
670-720+ | $372 |
Find out if you can reduce your monthly car payments in minutes
* checking your rate won’t affect your credit score
Check your rate
* checking your rate won’t affect your credit score
Services included in a Honda Civic EX lease
Honda leases
come with a variety of perks that might not be available with financing or from other dealerships. For instance, drivers leasing any new Honda model, like the 2022 Honda Civic EX, are entitled to upgrade to a new Honda model after two years. Honda typically requires lower monthly payments and down payments compared to other auto dealers, too.
What to do when your Honda Civic EX lease is up
Typically, you have three options at the end of your Honda lease:
- Lease a new Honda (either a newer Civic or a different model)
- Return your Civic EX
- Purchase your Civic EX
How to return a leased Civic EX
If you’re planning on upgrading to a newer Honda model at the end of your current lease, you’ll want to start researching new models at least six months before your last lease payment is due. From there, the process is the same for those planning to return or exchange their Civic EX.
Two to three months before your last lease payment is due, you’ll want to contact Honda’s Lease Maturity Center at 1-800-7088-6555 to go over the lease return process with one of Honda’s finance and sales experts. They will instruct you to schedule a free inspection to review your Civic’s wear and use.
All Honda leases come with an Excess Wear and Use Waiver, but keep in mind that if you exceed the cost of the waiver in end-of-term repair fees, you will be liable for the remainder.
One week before your final lease payment is due, you’ll need to contact your local Honda dealership (likely the dealership that originated the lease) and schedule a return appointment. At this appointment, you will return not only your leased Civic but also all keys, owner’s manuals, and maintenance guides, as well as your vehicle inspection report and any receipts for completed repairs.
After your return appointment, you’ll need to contact Honda Financial Services at 1-800-708-6555 to let them know that you’ve returned your Civic EX to the dealership.
How to purchase a leased Honda Civic EX
If you’d prefer to hang on to your Honda Civic EX, you can contact Honda Financial Services to request a payoff quote. This amount may also be outlined in your initial lease paperwork.
How to find the best car insurance for a Honda Civic EX lease
Having the best possible car insurance is vital whether you decide to lease or finance a car. But how can you find the insurance that suits your needs without draining your bank account? With
Jerry
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