How Much are Insurance Quotes for a Honda Civic in Florida?

The chances that you’ll find cheaper car insurance for a Honda Civic in Florida depends upon many different factors like age of the vehicle, if you have prior claims, and the deductible amount you use. Drivers on average will pay $1,450 every 12 months to buy insurance for a Honda Civic, but that amount is a projection using cost data for a 40-year-old married male that includes full physical damage coverage and $250 deductibles.

It’s highly likely you may not be 40 years old (or even male), possibly single instead of married, or possibly you just want cheap liability coverage. Everyone has unique insurance needs, and this illustrates why your best chance at finding the cheapest coverage for your Honda is to regularly compare rates at renewal. Quotes only take a few minutes and you will receive price comparisons from the best companies available.

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The trim level of your Civic will influence the cost of insurance, so the price you pay to insure a Civic DX 4-Dr Sedan trim level will be $488 cheaper than the price to insure the more expensive Civic SI 2-Dr Coupe model, as shown below.

Data variables include married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Premium amounts do not factor in specific location information which can decrease or increase rates greatly.

Establishing which companies quote the cheapest insurance rates for a Honda Civic will involve a tad more effort in order to find the most economical policy.

Every insurance company uses a different method to determine rates, so let’s look at the rankings for the overall cheapest insurance companies in Florida.

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USAA quotes some of the best car insurance rates in Florida at around $948 annually. Electric, Amica, Progressive, and Travelers are also some of the more affordable Florida insurance companies.

As depicted above, if you currently buy coverage from Progressive and switched to USAA, you might realize annual savings of in the vicinity of $827. Customers with Travelers might save as much as $940 a year, and Allied policyholders might lower prices by up to $997 a year.

To discover how much you can save, click here to begin a quote or click several companies below for low rates.

These policy rates are averaged for all types of insureds and vehicles and are not factoring in a specific rate factor for a Honda Civic. So the car insurance company that has the cheapest rates for you may not even be in the list of companies above. That emphasizes why you need to quote rates from many companies using your own personal information and vehicle type.

Get discounts on Florida auto insurance

Auto insurance companies that sell cheap insurance for a Honda Civic in Florida may also provide special discounts that may potentially lower prices by as much as 25% or more if you qualify. Larger insurance companies and some of the premium reductions they offer are detailed below.

• State Farm policyholders can earn discounts including multiple autos, driver’s education, Steer Clear safe driver discount, Drive Safe & Save, good student, accident-free, and anti-theft.
• Nationwide may have discounts that include good student, multi-policy, accident-free, family plan, defensive driving, anti-theft, and easy pay.
• GEICO may offer discounts for military active duty, membership and employees, anti-lock brakes, multi-vehicle, five-year accident-free, and driver training.
• AAA offers discounts for anti-theft, education and occupation, multi-car, multi-policy, and pay-in-full.
• 21st Century has savings for teen driver, student driver, automatic seat belts, homeowners, good student, anti-lock brakes, and early bird.
• The Hartford offers discounts including air bag, defensive driver, driver training, vehicle fuel type, and anti-theft.

The information below illustrates the difference between auto insurance rates with and without discounts applied to the policy rates. The data assumes a male driver, no claims, a clean driving record, Florida state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with accident-free, defensive driving course, multiple policy, anti-theft, passive restraint, and homeowner discounts applied. When these discounts are applied, the the average yearly reduction on insurance for a Honda Civic is 28% or $679.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 4187,3003],[‘Age 30’, 2135,1543],[‘Age 40’, 2117,1529],[‘Age 50’, 1931,1395],[‘Age 60’, 1873,1351],[‘Age 70’, 2313,1663]]);var options = {title: ‘Insurance Rate Comparison for a Honda Civic’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Honda Civic in Florida’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Bad driving habits will cost you more

The easiest method to get low insurance prices in Florida for a Civic is to drive safe and avoid accidents and keep your driving record clean. The diagram below shows how traffic citations and accidents can drive up insurance costs for different categories of driver ages. The data assumes a married male driver, full coverage, $250 deductibles, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and Two Accidents’],[‘Age 20’, 4183,4537,7533],[‘Age 30’, 2191,2549,5545],[‘Age 40’, 2105,2457,5453],[‘Age 50’, 1921,2279,5275],[‘Age 60’, 1887,2245,5241],[‘Age 70’, 2167,2525,5519]]);var options = {title: ‘Violations, Accidents, and Florida Honda Civic Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Honda Civic in Florida’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the previous chart, the average cost of an auto insurance policy in Florida per year with no violations or accidents is $2,409. Get one speeding ticket and the average cost jumps to $2,765, an increase of $356 each year. Next add two accidents along with the one speeding ticket and the annual cost of insurance for a Honda Civic goes up to an average of $5,761. That’s an increase of $3,352, or $279 per month, just for a couple of infractions!