It takes a few minutes, but the best way to find affordable quotes for auto insurance rates is to start comparing prices regularly from different companies in Orlando.
- Step 1: Try to learn a little about how insurance works and the things you can change to prevent high rates. Many risk factors that result in higher prices such as speeding tickets, accidents and poor credit history can be controlled by making minor changes to your lifestyle.
- Step 2: Request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give rate quotes from a single company like Progressive and State Farm, while independent agencies can provide prices from multiple companies.
- Step 3: Compare the new rate quotes to your existing rates to see if a cheaper price is available in Orlando. If you find a better price and buy the policy, make sure there is no lapse between the expiration of your current policy and the new one.
An important bit of advice to remember is to make sure you enter identical coverage information on each quote request and and to look at as many different companies as possible. This helps ensure an accurate price comparison and the best price selection.
It’s easy to assume that insurance companies want to keep your business as long as possible. Consumers who shop around for cheaper price quotes are likely to switch auto insurance companies because they have a good chance of finding a lower-priced company. Remarkably, a study showed that consumers who make a habit of shopping around saved an average of $3,400 over four years compared to other drivers who never shopped around for lower prices.
If finding the most affordable auto insurance is your objective, knowing how to quote prices and compare insurance can help make the process easier and more efficient.
Comparison shopping for the most affordable auto insurance in Orlando is not as hard as you may think. Practically every person who comparison shops for auto insurance will more than likely find a cheaper policy. Nevertheless, Florida drivers must understand the way companies calculate your auto insurance rates because it varies considerably.
The quickest method we recommend to compare car insurance rates for Honda Civic insurance in Orlando is to understand car insurance companies participate in online systems to compare rate quotes. To start a quote, the only thing you need to do is provide a small amount of information including if the car is leased, coverage limits, the year, make and model of vehicles, and how old drivers are. Your insurance information gets transmitted to many different companies and you will receive price estimates very quickly.
To get price quotes for your Honda Civic now, click here and see if a lower rate is available in Orlando.
The companies shown below are ready to provide price quotes in Florida. To find cheaper auto insurance in Orlando, we recommend you click on several of them to get the best price comparison.
Rates and other information
The price information below covers different insurance prices for Honda Civic models. Having knowledge of how auto insurance policy rates are determined is important for making decisions on the best policy coverages.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $242 | $532 | $438 | $26 | $132 | $1,370 | $114 |
| Civic VP 4-Dr Sedan | $242 | $628 | $438 | $26 | $132 | $1,466 | $122 |
| Civic LX 4-Dr Sedan | $242 | $628 | $438 | $26 | $132 | $1,466 | $122 |
| Civic DX 2-Dr Coupe | $242 | $628 | $548 | $32 | $164 | $1,614 | $135 |
| Civic EX 4-Dr Sedan | $242 | $628 | $438 | $26 | $132 | $1,466 | $122 |
| Civic LX-S 4-Dr Sedan | $242 | $628 | $438 | $26 | $132 | $1,466 | $122 |
| Civic LX 2-Dr Coupe | $242 | $722 | $548 | $32 | $164 | $1,708 | $142 |
| Civic EX-L 4-Dr Sedan | $278 | $722 | $438 | $26 | $132 | $1,596 | $133 |
| Civic SI 4-Dr Sedan | $278 | $722 | $438 | $26 | $132 | $1,596 | $133 |
| Civic EX 2-Dr Coupe | $278 | $722 | $548 | $32 | $164 | $1,744 | $145 |
| Civic GX 4-Dr Sedan | $278 | $722 | $438 | $26 | $132 | $1,596 | $133 |
| Civic EX-L 2-Dr Coupe | $278 | $722 | $548 | $32 | $164 | $1,744 | $145 |
| Civic Hybrid 4-Dr Sedan | $312 | $628 | $438 | $26 | $132 | $1,536 | $128 |
| Civic SI 2-Dr Coupe | $312 | $816 | $548 | $32 | $164 | $1,872 | $156 |
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Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Information does not factor in your specific Orlando location which can impact insurance rates substantially.
Physical damage deductible comparison
One frequently asked question is how high should the physical damage coverage deductibles be. The rates below sum up how much more you’ll pay when you select higher and lower insurance deductibles. The first set of rates uses a $100 comprehensive and collision deductible and the second price chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $312 | $648 | $418 | $24 | $124 | $1,551 | $129 |
| Civic VP 4-Dr Sedan | $312 | $764 | $418 | $24 | $124 | $1,667 | $139 |
| Civic LX 4-Dr Sedan | $312 | $764 | $418 | $24 | $124 | $1,667 | $139 |
| Civic DX 2-Dr Coupe | $312 | $764 | $522 | $30 | $156 | $1,809 | $151 |
| Civic EX 4-Dr Sedan | $312 | $764 | $418 | $24 | $124 | $1,667 | $139 |
| Civic LX-S 4-Dr Sedan | $312 | $764 | $418 | $24 | $124 | $1,667 | $139 |
| Civic LX 2-Dr Coupe | $312 | $880 | $522 | $30 | $156 | $1,925 | $160 |
| Civic EX-L 4-Dr Sedan | $358 | $880 | $418 | $24 | $124 | $1,829 | $152 |
| Civic SI 4-Dr Sedan | $358 | $880 | $418 | $24 | $124 | $1,829 | $152 |
| Civic EX 2-Dr Coupe | $358 | $880 | $522 | $30 | $156 | $1,971 | $164 |
| Civic GX 4-Dr Sedan | $358 | $880 | $418 | $24 | $124 | $1,829 | $152 |
| Civic EX-L 2-Dr Coupe | $358 | $880 | $522 | $30 | $156 | $1,971 | $164 |
| Civic Hybrid 4-Dr Sedan | $406 | $764 | $418 | $24 | $124 | $1,761 | $147 |
| Civic SI 2-Dr Coupe | $406 | $994 | $522 | $30 | $156 | $2,133 | $178 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $174 | $342 | $418 | $24 | $124 | $1,082 | $90 |
| Civic VP 4-Dr Sedan | $174 | $402 | $418 | $24 | $124 | $1,142 | $95 |
| Civic LX 4-Dr Sedan | $174 | $402 | $418 | $24 | $124 | $1,142 | $95 |
| Civic DX 2-Dr Coupe | $174 | $402 | $522 | $30 | $156 | $1,284 | $107 |
| Civic EX 4-Dr Sedan | $174 | $402 | $418 | $24 | $124 | $1,142 | $95 |
| Civic LX-S 4-Dr Sedan | $174 | $402 | $418 | $24 | $124 | $1,142 | $95 |
| Civic LX 2-Dr Coupe | $174 | $464 | $522 | $30 | $156 | $1,346 | $112 |
| Civic EX-L 4-Dr Sedan | $200 | $464 | $418 | $24 | $124 | $1,230 | $103 |
| Civic SI 4-Dr Sedan | $200 | $464 | $418 | $24 | $124 | $1,230 | $103 |
| Civic EX 2-Dr Coupe | $200 | $464 | $522 | $30 | $156 | $1,372 | $114 |
| Civic GX 4-Dr Sedan | $200 | $464 | $418 | $24 | $124 | $1,230 | $103 |
| Civic EX-L 2-Dr Coupe | $200 | $464 | $522 | $30 | $156 | $1,372 | $114 |
| Civic Hybrid 4-Dr Sedan | $224 | $402 | $418 | $24 | $124 | $1,192 | $99 |
| Civic SI 2-Dr Coupe | $224 | $524 | $522 | $30 | $156 | $1,456 | $121 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Price estimates do not factor in specific zip code location which can revise auto insurance rates considerably.
Based on this data, using a $100 deductible costs about $47 more each month or $564 each year across all Honda Civic models than choosing the higher $1,000 deductible. Since you would pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to average at a minimum 19 months between claims, you would probably save some money going with the higher deductible.
How to determine if higher deductibles are a good idea
| Average monthly premium for $100 deductibles: | $150 |
| Average monthly premium for $1,000 deductibles (subtract): | – $103 |
| Monthly savings from raising deductible: | $47 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $47 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 19 months |
One thing to note is that raising deductibles to get cheaper rates means you pay more out-of-pocket when you have a comprehensive or collision claim. It will be required that you have some available funds in the event you need to pay more to get your vehicle repaired.
The information below illustrates how choosing a deductible and can change Honda Civic insurance costs for different age groups of insureds. The costs are based on a married male driver, comprehensive and collision coverage, and no other discounts are factored in.
How careless driving impacts auto insurance rates
The example below demonstrates how citations and accidents impact Honda Civic auto insurance rates for different age groups of insureds. The prices are based on a single female driver, comp and collision included, $250 deductibles, and no discounts are factored in.
Comparison of auto insurance rates by gender and age
The diagram below shows the comparison of Honda Civic insurance costs for male and female drivers. The prices are based on no claims or violations, comprehensive and collision coverage, $100 deductibles, drivers are single, and no discounts are factored in.
Situations that may require an agent’s advice
When choosing the right insurance coverage, there really is not a single plan that fits everyone. Every insured’s situation is different.
For instance, these questions might point out if you could use an agent’s help.
- Is my trailer covered?
- Am I covered if I back into my garage door?
- Why does it cost so much to insure a teen driver in Orlando?
- Is my nanny covered when driving my vehicle?
- What if a claim settlement is too low?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- Should I buy full coverage?
- Will filing a claim cost me more?
If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and complete this form.
Insurance agent or online?
Some consumers prefer to talk to a local agent and we recommend doing that The biggest benefit of getting free rate quotes online is the fact that drivers can get cheap auto insurance quotes but still work with a licensed agent. And providing support for neighborhood agents is important particularly in Orlando.
To help locate an agent, after submitting this form (opens in new window), your information is submitted to local insurance agents in Orlando who want to provide quotes for your business. You won’t even need to leave your computer because prices are sent instantly to you. You’ll get the best rates without requiring a lot of work. In the event you want to compare rates from one company in particular, feel free to jump over to their website and fill out the quote form the provide.
Finding a good provider requires you to look at more than just a cheap price quote. Agents should be asked these questions:
- Are they involved in claim handling?
- Is assistance available after office hours?
- Is working in the agency their full-time job?
- Do they see any coverage gaps in your plan?
- Is the agency active in community causes in Orlando?
Once you have good feedback to any questions you have as well as an affordable premium quote, you’ve probably found an insurer that meets the criteria to properly service your auto insurance policy. Just understand that once you purchase a policy you can cancel your policy when you choose so never feel that you are obligated to any specific company with no way out.
What is the best car insurance company in Orlando?
Ending up with the right insurance company can be difficult considering how many choices drivers have in Orlando. The company information shown next may help you select which auto insurance companies you want to consider when shopping your coverage around.
Top 10 Orlando Car Insurance Companies Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Mercury Insurance – 89%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
Top 10 Orlando Car Insurance Companies by A.M. Best Rank
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Titan Insurance – A+
- Esurance – A+
- Progressive – A+
- The Hartford – A+
- Allstate – A+
- Nationwide – A+