Finding affordable coverage for a Honda Civic in Florida can be pretty simple, but it is dependent upon a fairly complex equation with a lot of factors such as the age of the Civic, if you have prior claims, and driving violations. Florida drivers pay on average $1,015 annually for Civic insurance, but that price is an estimate calculated based on a 50-year-old married female driver with full coverage and $1,000 deductibles.
But there is a good chance that you are not 50 and maybe not even a female, possibly single instead of married, or maybe you want more liability coverage than is required by law in Florida. Everyone has unique insurance needs, and this illustrates why the best way to find cheap auto insurance rates for your Honda is to just compare rates yourself. Quotes only take a couple of minutes and you will be able to compare rates from the cheapest companies that insure Honda vehicles in Florida.
Your vehicle’s trim level will most likely have an effect on the annual cost of coverage, so the rate you will pay to insure a Civic DX 4-Dr Sedan model will cost $324 less than the insurance cost for the more expensive Civic SI 2-Dr Coupe model, as shown in the chart below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $134 | $284 | $392 | $24 | $118 | $952 | $79 |
| Civic VP 4-Dr Sedan | $134 | $334 | $392 | $24 | $118 | $1,002 | $84 |
| Civic LX 4-Dr Sedan | $134 | $334 | $392 | $24 | $118 | $1,002 | $84 |
| Civic DX 2-Dr Coupe | $134 | $334 | $490 | $30 | $146 | $1,134 | $95 |
| Civic EX 4-Dr Sedan | $134 | $334 | $392 | $24 | $118 | $1,002 | $84 |
| Civic LX-S 4-Dr Sedan | $134 | $334 | $392 | $24 | $118 | $1,002 | $84 |
| Civic LX 2-Dr Coupe | $134 | $384 | $490 | $30 | $146 | $1,184 | $99 |
| Civic EX-L 4-Dr Sedan | $154 | $384 | $392 | $24 | $118 | $1,072 | $89 |
| Civic SI 4-Dr Sedan | $154 | $384 | $392 | $24 | $118 | $1,072 | $89 |
| Civic EX 2-Dr Coupe | $154 | $384 | $490 | $30 | $146 | $1,204 | $100 |
| Civic GX 4-Dr Sedan | $154 | $384 | $392 | $24 | $118 | $1,072 | $89 |
| Civic EX-L 2-Dr Coupe | $154 | $384 | $490 | $30 | $146 | $1,204 | $100 |
| Civic Hybrid 4-Dr Sedan | $174 | $334 | $392 | $24 | $118 | $1,042 | $87 |
| Civic SI 2-Dr Coupe | $174 | $436 | $490 | $30 | $146 | $1,276 | $106 |
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Table data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Rates do not factor in Jacksonville location which can raise or lower coverage prices greatly.
Best auto insurance company in Jacksonville
Choosing a highly-rated car insurance provider is difficult considering how many different companies there are to choose from in Florida. The company information listed below may help you choose which auto insurers to look at purchasing coverage from.
These rankings only include large insurance companies, so smaller companies that only insure vehicles in Florida are not factored into this list. To get price quotes from these and other companies in Florida, click this link.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
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Data Source: Insure.com Best Car Insurance Companies
Violations and accidents raise rates
The easiest way to get low auto insurance rates in Florida for a Civic is to drive safe and avoid tickets and accidents. The information below demonstrates how traffic citations and accidents influence insurance premiums for each different age category. The costs are based on a married female driver, full physical damage coverage, $500 deductibles, and no additional discounts are factored in.
In the example above, the average cost of an auto insurance policy per year with a clean driving record and no accidents is $2,215. Receive two speeding tickets and the average cost increases to $3,152, an increase of $937 each year. Then throw in two accidents along with the two speeding tickets and the 12-month cost of auto insurance for a Honda Civic increases to an average of $6,859. That’s an increase of $4,644, or $387 per month, just for not driving responsibly!
Rate difference between full and liability-only coverage
Reducing the cost of auto insurance should be important to the majority of people, and one of the easiest ways to pay lower rates for insurance for a Honda Civic is to not pay for full coverage. The diagram below illustrates the comparison of auto insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premium estimates are based on no accidents or driving violations, $500 deductibles, drivers are single, and no other discounts are factored in.
Averaged out for all age groups, full coverage on your policy costs $2,426 per year more than just buying liability only. At some point, almost every driver questions if buying full coverage is a waste of money. There isn’t a steadfast formula to delete physical damage coverage, but there is a general convention. If the yearly cost of full coverage is more than around 10% of replacement cost minus your deductible, then it could be time to drop full coverage.
How to find budget-friendly insurance for a Honda Civic
The list below summarizes some thrifty suggestions that can help Florida drivers buy more affordable coverage.
- Claim-free drivers earn discounts
- Buy safe vehicles
- Drive attentively and avoid accidents
- Avoid getting citations and tickets
- Buying your home and auto policies from the same company can earn a discount
- Compare rate quotes often
The last item on the list is incredibly critical, as we hit on in the prior article. Coverage prices change a lot, so you should be ready to buy a policy from a new company if you can find a cheaper rate. Being loyal to a particular company is commendable, but it’s not a great idea if that stubbornness costs you thousands of dollars over the life of your policy. Take a couple minutes and compare prices and find cheaper car insurance for a Honda Civic in Jacksonville.
If you have questions and prefer to get some professional advice when comparing insurance rates for a Civic, the professional agents shown below can most likely aid you in deciding which auto insurance policy fits you best.
To find an auto insurance agency in your neighborhood, click the link at the bottom or click here to get price quotes now.
Allstate Insurance: Jeff Bernard
7530 103rd St Ste 13 – Jacksonville, FL 32210 – (904) 777-3130
Mike Bell Insurance Agency
1819 3rd St N – Jacksonville Beach, FL 32250 – (904) 372-2355
Bob Gibbs – State Farm Insurance Agent
5495 Fort Caroline Rd – Jacksonville, FL 32277 – (904) 744-2702
Frye Insurance Agency, Inc.
1851 University Blvd S – Jacksonville, FL 32216 – (888) 812-2985