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  4. 2001 Model Year

2001 Honda Civic Insurance Rates

Average insurance rates for a 2001 Honda Civic are $998 a year with full coverage. Comprehensive insurance costs around $126, collision costs $208, and liability costs around $494. Buying a liability-only policy costs as low as $548 a year, with high-risk insurance costing $2,162 or more. Teen drivers receive the highest rates at $4,140 a year or more.

Annual premium for full coverage: $998

Rate estimates for 2001 Honda Civic Insurance

Comprehensive $126
Collision $208
Liability $494

Rate data is compiled from all 50 U.S. states and averaged for all 2001 Honda Civic models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For the average driver, prices range go from as low as $548 for just liability coverage to a much higher rate of $2,162 for a driver that may need high-risk insurance.

Liability Only $548
Full Coverage $998
High Risk $2,162

View Chart as Image

2001 Honda Civic insurance rates compared
Column chart showing 2001 Honda Civic insurance prices range from $608 to $4,140 for full coverage

These differences demonstrate why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, instead of making a decision based on price averages.

Use the form below to get rates for your location.

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Recommended Companies for Cheap 2001 Honda Civic Insurance

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Searching for low-cost insurance for your Honda Civic can turn out to be a painful process, but you can learn a few tricks to find lower rates.

There are more efficient ways to shop for insurance so we’re going to tell you the quickest way to compare rates for a new or used Honda and find the lowest possible price from both online companies and local agents.

You need to compare rates every six months because prices fluctuate regularly. Just because you had the best price for Civic insurance two years ago the chances are good that you can find a lower rate today. There is a lot of wrong information about insurance on the web, but we’re going to give you some excellent ideas to reduce your insurance bill.

How to Get Insurance Comparison Quotes

Performing a rate comparison is a ton of work if you aren’t aware of the most efficient way. You can spend countless hours driving to insurance companies in your area, or you could use online quoting to accomplish the same thing much quicker.

Recommended Companies for the Best Insurance Rates

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All the larger companies take part in a program where prospective buyers only type in their quote data once, and at least one company then gives them pricing based on that information. This eliminates the need for quote forms for every insurance company.

To enter your information into the quoting system, click here (opens in new window).

The single downside to using this type of form is you don’t know exactly which companies you want pricing from. If you prefer to choose individual companies to compare rates, we have assembled a list of low cost insurance companies in your area. Click here to view list.

It doesn’t matter which method you choose, just make absolute certain that you use the exact same deductibles and coverage limits on every quote. If you compare different limits and deductibles on each one it’s not possible to find the best deal for your Honda Civic.

You are unique and your insurance coverage should be too

When it comes to buying adequate coverage for your personal vehicles, there really is not a cookie cutter policy. Every situation is different.

For example, these questions could help you determine whether or not you would benefit from an agent’s advice.

  • When should my teen driver be added to my policy?
  • Does my personal policy cover me when driving out-of-state?
  • Am I covered if hit by an uninsured driver?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Am I covered if my car is in a flood?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Am I covered when pulling a rental trailer?
  • Does medical payments coverage apply to all occupants?
  • Am I covered when driving a rental car?
  • Should I carry comprehensive and collision coverage?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and can help protect your family.

Auto insurance coverages 101

Learning about specific coverages of your auto insurance policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Uninsured and underinsured coverage

This gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Honda Civic.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these coverages are similar to your liability insurance amounts.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, hitting a bird, falling objects and hail damage. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision insurance

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as colliding with a tree, hitting a mailbox, colliding with another moving vehicle, scraping a guard rail and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.

Liability insurance

Liability insurance protects you from damages or injuries you inflict on people or other property in an accident. This coverage protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as structural damage, repair costs for stationary objects, emergency aid, legal defense fees and court costs. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for immediate expenses such as dental work, prosthetic devices, X-ray expenses, EMT expenses and chiropractic care. They are used in conjunction with a health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Find the Cheapest Quotes in Your Area

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Rates by U.S. City

2001 Honda Civic Insurance Rates by City
CityPremium
New York City, NY$1,947
Los Angeles, CA$1,683
Philadelphia, PA$1,574
Jacksonville, FL$1,561
Phoenix, AZ$1,400
Chicago, IL$1,332
Houston, TX$1,248
Seattle, WA$1,111
Columbus, OH$849
Indianapolis, IN$805

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Rates by Driver Age

2001 Honda Civic Insurance Rates by Driver Age
Driver AgePremium
16$4,140
20$2,310
30$1,010
40$998
50$918
60$900

Full coverage, $500 deductibles

Rates by Deductible

2001 Honda Civic Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,144
$250$1,076
$500$998
$1,000$922

Full coverage, driver age 40

Rates by Liability Limit

Honda Civic Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$998
50/100$1,097
100/300$1,220
250/500$1,541
100 CSL$1,146
300 CSL$1,418
500 CSL$1,616

Full coverage, driver age 40

Rates for High Risk Drivers

2001 Honda Civic Insurance Rates for High Risk Drivers
AgePremium
16$5,820
20$3,688
30$2,174
40$2,162
50$2,072
60$2,048

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $136

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

DiscountSavings
Multi-policy$50
Multi-vehicle$55
Homeowner$18
5-yr Accident Free$60
5-yr Claim Free$62
Paid in Full/EFT$35
Advance Quote$44
Online Quote$66
Total Discounts$390
Rate after discounts $608

Discounts are estimated and may not be available from every company or in every state.

2001 Honda Civic Insurance Rates by State
StatePremium
Alabama$960
Alaska$820
Arizona$1,000
Arkansas$1,012
California$1,122
Colorado$1,036
Connecticut$1,308
Delaware$1,218
Florida$1,346
Georgia$988
Hawaii$1,076
Idaho$694
Illinois$740
Indiana$712
Iowa$748
Kansas$916
Kentucky$1,294
Louisiana$1,618
Maine$682
Maryland$1,028
Massachusetts$882
Michigan$1,836
Minnesota$876
Mississippi$978
Missouri$852
Montana$904
Nebraska$822
Nevada$1,288
New Hampshire$814
New Jersey$994
New Mexico$924
New York$1,298
North Carolina$708
North Dakota$970
Ohio$702
Oklahoma$1,212
Oregon$932
Pennsylvania$1,124
Rhode Island$1,210
South Carolina$930
South Dakota$778
Tennessee$898
Texas$960
Utah$886
Vermont$712
Virginia$720
Washington$882
West Virginia$1,016
Wisconsin$1,018
Wyoming$1,104

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