You say not to "top off" and I get your point about why that isn't good, but my question is what if the pump always overfills your tank? I never had this problem with other vehicles, but no matter what gas station I go to, if I let the pump click off, it overfills my tank every single time. I have to watch the pump every time, and when I know it's getting close to being full, I squeeze the handle numerous times until I see the gas starting to splash out.
Like @MountainManJoe said, have your evap system looked at. If it happens all the time regardless of which gas station. Your evap canister may already be fubar.
That can still ruin your EVAP canister. Go to a different gas station, the pump is supposed to shut off, if it doesn't, there's a problem with the pump, not necessarily the car. Figure out the fuel capacity of your tank and make a habit of filling up around a quarter of a tank. If it's a 16 gallon tank, put 12 gallons in at a quarter tank. Pumping gas until it comes out of the tank is highly dangerous, horrible for the environment and wastes resources.
As I said, it doesn't matter what gas station I go to, it happens at all of them. I know I have an 18 gallon tank, and when I know it is getting close to being full, I stop the pump. As soon as I see it starting to splash out, I stop, If I let the pump click off, it spills all over the ground.
have your evap system looked at

