Finding economical auto insurance for a Honda Civic in Florida relies on a fairly complex equation with a lot of factors such as your gender, your credit history, and if you have tickets or violations. Drivers pay around $1,282 a year for Civic insurance, but that cost is a valuation calculated using a 40-year-old married male driver with full comprehensive and collision coverage and $500 deductibles.
It’s highly likely you may not be 40 years old (or even male), single instead of married, or maybe you don’t qualify for the same discounts. The different assumptions illustrate why the only real way to find the cheapest rates for your Honda is to just take the time to compare rates yourself. To cut your rates now, get a free quote and you will be able to compare rates from the best companies that insure Honda vehicles in Florida.
Find Cheaper Honda Civic Insurance
Vehicle trim level will most likely have an effect on the cost of insurance, so the cost to insure a Civic DX 4-Dr Sedan model will cost $424 less than the cost to insure the more costly Civic SI 2-Dr Coupe trim level, as shown below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $208 | $402 | $430 | $26 | $128 | $1,194 | $100 |
| Civic VP 4-Dr Sedan | $208 | $474 | $430 | $26 | $128 | $1,266 | $106 |
| Civic LX 4-Dr Sedan | $208 | $474 | $430 | $26 | $128 | $1,266 | $106 |
| Civic DX 2-Dr Coupe | $208 | $474 | $538 | $32 | $160 | $1,412 | $118 |
| Civic EX 4-Dr Sedan | $208 | $474 | $430 | $26 | $128 | $1,266 | $106 |
| Civic LX-S 4-Dr Sedan | $208 | $474 | $430 | $26 | $128 | $1,266 | $106 |
| Civic LX 2-Dr Coupe | $208 | $546 | $538 | $32 | $160 | $1,484 | $124 |
| Civic EX-L 4-Dr Sedan | $238 | $546 | $430 | $26 | $128 | $1,368 | $114 |
| Civic SI 4-Dr Sedan | $238 | $546 | $430 | $26 | $128 | $1,368 | $114 |
| Civic EX 2-Dr Coupe | $238 | $546 | $538 | $32 | $160 | $1,514 | $126 |
| Civic GX 4-Dr Sedan | $238 | $546 | $430 | $26 | $128 | $1,368 | $114 |
| Civic EX-L 2-Dr Coupe | $238 | $546 | $538 | $32 | $160 | $1,514 | $126 |
| Civic Hybrid 4-Dr Sedan | $270 | $474 | $430 | $26 | $128 | $1,328 | $111 |
| Civic SI 2-Dr Coupe | $270 | $618 | $538 | $32 | $160 | $1,618 | $135 |
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Data rating is based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Information does not factor in zip code location which can increase or decrease coverage rates significantly.
Ending up with the right company can be difficult considering how many different companies insure vehicles in Florida. The ranking information below can help you decide which car insurance providers to look at when comparing insurance rates for a Honda Civic. The ratings below include large nationwide companies, so companies that only write business in Florida or surrounding areas are not factored into the list.
Top 10 Major Auto Insurers in Miami Ranked by A.M. Best Rating
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Titan Insurance – A+
- Esurance – A+
- Progressive – A+
- The Hartford – A+
- Allstate – A+
- Nationwide – A+
Top 10 Major Auto Insurers in Miami Ranked by Customer Service
- USAA
- Travelers
- Mercury Insurance
- AAA Insurance
- Nationwide
- Safeco Insurance
- Progressive
- State Farm
- The Hartford
- The General
Drive responsibly or pay higher rates
The easiest way to earn low car insurance prices in Florida for a Civic is to drive attentively and not receive tickets or have accidents. The information below illustrates how speeding tickets and at-fault fender-benders can drive up car insurance rates for each different age category. The prices are based on a married female driver, comp and collision included, $500 deductibles, and no other discounts are factored in.
The chart shows that the average cost of a car insurance policy in Florida per year with no violations or accidents is $2,215. Get two speeding tickets and the average cost rises to $3,152, an increase of $937 each year. Now add one accident along with the two speeding tickets and the yearly cost of car insurance for a Honda Civic increases to an average of $4,124. That’s an increase of $1,909, or $159 per month, just for being a less-than-perfect driver!
Price comparison of only insuring for liability
Finding cheaper car insurance is important to the majority of vehicle owners, and a good way to pay lower rates for insurance for a Honda Civic is to only pay for liability coverage. The information below shows the comparison of auto insurance rates with full physical damage coverage compared to only buying liability only. Data assumes no tickets, no at-fault accidents, $1,000 deductibles, drivers are single, and no other discounts are factored in.
If averaged for all ages, physical damage coverage on your policy costs an additional $2,147 per year more than just insuring for liability. Lot’s of drivers question if paying for full coverage is worth it. There is no exact formula for excluding full coverage on your policy, but there is a broad guideline. If the annual cost of coverage is 10% or more of the replacement cost minus the deductible, then you might want to consider buying only liability coverage.
For example, let’s assume your vehicle’s book value is $12,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $11,000 after the policy deductible has been paid. If you are paying more than $1,100 annually to have full coverage, then it may be the right time to buy liability only.
Don’t stick with an overpriced policy
Florida car insurance rates are determined by lots of factors which can substantially change the price you pay for coverage. Simply getting older, having a teenage driver, or getting into an accident can trigger changes in premium that can cause some rates to be more affordable than others.
In addition to those changes, insurers change the rates they charge in Florida every year in order to remain profitable. Higher than usual claims can cause higher priced premiums, while a better claims history may produce cheaper Civic insurance rates.
To help illustrate this point, the chart below shows rates for the cheapest car insurance in Miami, FL for a 40-year-old male driver with a clean driving record, no accidents, and a good credit history. When comparing rates based on his current situation, USAA might quote the cheapest car insurance rates in Miami at $1,846 per year. This is $602 less than the average rate paid by Florida drivers of $2,448. Amica, Electric, Progressive, and Travelers are the rest of the cheapest Miami, FL auto insurance companies.
Now let’s give the driver from the first set of rates a claim surcharge, a lower credit rating, and a blemish on his driving record. Since each auto insurer uses their own calculation for determining rates, analyzing rates may now result in a significantly different list of the cheapest car insurance companies in Miami as shown below.
USAA now has the best car insurance rate in Miami with Mercury, Esurance, Auto-Owners, and State Farm now rounding out the top five. This example demonstrates why consumers need to take the time to shop around to get the most economical insurance rates for a Honda Civic. Insurance prices consist of many things and can decrease or increase without notice, so the most economical option two years ago may now be costing you a lot of money.
The insurance agencies listed below can most likely aid you in deciding which coverage meets your needs best, since some drivers wish to have some professional guidance when buying car insurance for a Civic. It can be difficult to find coverage yourself, so a professional agent can bring comfort knowing your coverage gives you suitable coverage if you ever need to use it. To locate a Miami insurance agent close to you, click the button at the bottom of the list or click here to compare rates now.
- Sunshine Insurance Agency Inc
2595 SW 87th Ave – Miami, FL 33165 – (305) 559-7873 - Rick Burke – State Farm Insurance Agent
2250 S Dixie Hwy Ste. 2 – Miami, FL 33133 – (305) 860-0616 - Oliva Insurance Agency Inc
370 Miracle Mile – Miami, FL 33134 – (305) 270-1447 - Estrella Insurance #110
1201 SW 8th St – Miami, FL 33135 – (305) 859-8558
More Miami, FL insurance agents
How to find budget-friendly car insurance for a Honda Civic
It’s not impossible to find cheaper rates, and here are some of the better thrifty suggestions that can help Florida drivers locate cheaper coverage.
- Choose a safer vehicle and pay lower rates
- Improve your credit score
- Don’t waste money on full coverage for older vehicles
- Avoid preventable accidents
- You will pay more if you get tickets or have at-fault accidents
- Increase your policy deductibles
- Shop around for cheaper prices
That last piece of advice is extremely critical, as we hit on in the prior article. Prices fluctuate constantly, so don’t be afraid to change to a new company if you can save money. Many drivers have brand loyalty and that’s fine, but it isn’t a good idea if your bullheadedness ends up costing you hundreds of dollars year after year. It only take a few minutes to shop around to find cheaper insurance for a Honda Civic in Miami.