Car Insurance For Honda Civic

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Rachel Bodine graduated from college with a BA in English. She works as an associate editor and writer for for over a year and enjoys creating content that offers expert advice on car insurance topics.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs...

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Reviewed byLeslie Kasperowicz
Former Farmers Insurance CSR

UPDATED: Mar 13, 2020

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The following is an exported forum post from our discontinued forum. If you would like to reply to this old forum post, please post a comment below.

Whats the insurance for a 17 year old in Florida buying a 2009 honda civic 2-door coupe?

Please help! just need an estimate

Our Answer

The Honda Civic has been one of the best-selling cars in the United States since the 1990s. Every week, we get thousands of quote requests from insurance shoppers looking for the best car insurance for their Honda Civic.

honda civic insuranceSo what is the best car insurance for a Honda Civic? That depends on your unique demographic needs, the year of your Honda Civic, the mileage of the vehicle, and your location.

You say you’re a 17-year old in Florida buying a 2009 Honda Civic 2-Door Coupe. A 17-year old is always going to pay higher insurance prices than an older, more experienced driver. Even if you’re the world’s best driver, the insurance company has only 1 or 2 years of driving history to verify your safe driving habits. Studies also show that teenagers get into significantly more car accidents than drivers in any other age bracket. Teenage males have a particularly high claims rate, while teenage females have slightly lower claims rates.

Fortunately, there are certain things working in your favor. You’re buying a 2009 Honda Civic. Presumably, most 2009 Honda Civics will have at least 100,000 to 150,000 miles at this point in their lifespan, assuming they’ve been driven regularly. This lowers the value of the vehicle, which means your insurance company will pay less in the event of an accident. That means lower car insurance premiums.

One of the smartest things you can do to reduce car insurance premiums as a teenage driver is to buy an older vehicle – which is what you did. Good job!

On an older vehicle, you can reduce car insurance costs even further by dropping comprehensive coverage and collision coverage. This can cut car insurance prices by 50% or more. By dropping collision and comprehensive coverage from your policy, you’re telling your insurance company that you will pay for damage to your own vehicle out of pocket. Without comprehensive and collision coverage, your car insurance policy will not cover damage to your own vehicle; it only covers damage to other people and properties (through liability coverage, which is legally required in Florida).

Now, let’s talk about your state. Drivers in Florida pay some of the highest premiums in America for car insurance. However, Florida also has different minimum liability requirements than other states. Florida is one of the few states that is considered no-fault, for example, which is why drivers are required to have personal injury protection (PIP) coverage. As a Florida driver, you are required to hold $10,000 in personal injury protection coverage at all times.

Ultimately, it’s up to you to decide how much car insurance you need to carry on your 2009 Honda Civic in Florida. Some Florida drivers are more cautious, choosing to carry $300,000 to $1 million of liability coverage at all times. Others are okay with absorbing more risk, choosing to carry the bare minimum level of car insurance coverage.

Honda Civic Car Insurance Discounts

As a 17-year old driver in Florida, you might be eligible for something like a good grades discount. If you maintain a grade average of B+ or higher, then you might get a discount of 10% to 15% off your car insurance.

Many insurance companies in Florida also offer a discount to drivers who have taken a driver’s education class or a defensive driving course. This can reduce car insurance premiums by 10% to 15%.

As you get older, you might eventually become eligible for a safe driving discount. If you have never been in an accident, then you might qualify for a safe driving discount in as little as 3 to 5 years of safe driving. Some insurance companies also offer a claims-free discount for drivers who have never made a claim.

As you get older, you might have multiple insurance policies – like an insurance policy for a separate car or a renter’s insurance policy for your possessions in a rental property. In this case, you can bundle multiple insurance policies together with the same company to enjoy steep insurance discounts.

As a 17-year old driver in Florida, you will inevitably pay higher rates than most drivers in the country. However, with a relatively old vehicle like a 2009 Honda Civic, you will likely pay lower insurance premiums than many other drivers in your situation. Compare car insurance quotes today to find the best Honda Civic insurance in Florida.

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Other Answers

Answer 1

Hi Don,
Glad you found us.
To answer your question, you have to first understand that each company has their own set of metrics that they use to determine insurance rates. For you, you are a new driver and a male, so you are deemed to be “high risk.” Your insurance rates will naturally be higher than say a 42 year old man who has been driving for 20+ years and has never had an accident.

Lucky for you, the 2009 Honda Civic has great safety ratings. Unfortunately, you will be driving a 2 door coupe, which is often times seen as a “sports car”. Your liability rates will most likely be higher for this car than if you bought just a normal Toyota Camry, or something similar. Try and get as many safety features installed in your vehicle as possible in order to get the most discounts.

As for the “estimate” you wanted, nobody can tell you for sure. Your best bet is to search online for quotes. Use the form at the top of this page to begin.

Answer 2

If you need insurance policy then there are lots of insurance companies in the market but there are lots of conditions that can be fulfill by you as your car is very old.

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