Best Cheap Insurance for a Honda Civic in South Carolina

Buying cheap insurance for a Honda Civic in South Carolina hinges on lots of different rating factors like the amount of driving experience you have, if you have recent claims, and deductible levels for physical damage coverage. Drivers in South Carolina pay an average rate of $1,540 annually for Civic insurance, but that cost is a valuation rating a 30-year-old single male who purchased both comprehensive and collision coverage and $100 physical damage deductibles.

There is a really good chance that you are not a 30-year-old male, possibly married instead of single, or you need different deductibles. Not every driver requires the same auto insurance coverages, so the most reliable method for finding cheap insurance prices for your Honda is to quote often and with as many companies as possible.

Insure Your Honda for Less

The specific trim level has an effect on the annual cost of coverage, so the rate you will pay to insure a Civic DX 4-Dr Sedan will be $522 less expensive the insurance cost for the higher-priced Civic SI 2-Dr Coupe trim level, as shown in the prices below.

Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Prices do not factor in specific South Carolina garaging location which can revise premium rates greatly.

Determining which companies offer the cheapest auto insurance rates for a Honda Civic calls for more work than just quoting one company’s rates. Every auto insurer uses a slightly different approach for setting rates, so we’ll take a look at the auto insurance companies that tend to have lower prices in South Carolina.

Lowest Insurance Price Quotes for Your Honda

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The Hartford may have some of the most affordable car insurance rates in South Carolina at around $745 each year. USAA, Auto-Owners, State Auto, and SC Farm Bureau Mutual are also some of the cheaper South Carolina car insurance companies.

As the example above demonstrates, if you are currently insured with SC Farm Bureau Mutual and switched to USAA, you may realize a yearly savings of in the neighborhood of $223. Policyholders with Southern Farm Bureau could save as much as $235 a year, and National Grange Mutual customers might lower prices by up to $336 a year.

These prices are averaged for all insureds and vehicles and do not take into consideration a specific rating modification for a Honda Civic. So the insurer that has the cheapest rates for you may not even be shown in the list of companies shown earlier. That emphasizes why you need to get quotes using your own driver data and vehicle information.

Poor driving habits will raise your auto insurance rates

The common sense way to earn the best cheap insurance for a Honda Civic in South Carolina is to drive safely and avoid at-fault accidents and violations. The example below shows how speeding tickets and accidents can increase insurance prices for different ages of insureds. The data is based on a married male driver, full coverage, $250 deductibles, and no policy discounts are applied.

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In the chart above, the average cost of auto insurance per year with no accidents or violations is $1,898. Get written up for two speeding tickets and the average cost jumps to $2,626, an increase of $728 each year. Now throw in two accidents along with the two speeding tickets and the 12-month cost of auto insurance for a Honda Civic increases to an average of $5,294. That’s an increase of $3,395, or $283 per month, just for not driving attentively!

Full coverage rates compared to liability-only

Finding the best cheap insurance for a Honda Civic in South Carolina is the goal of the majority of drivers, and one great way to pay less for insurance is to only pay for liability coverage. The information below shows the difference between annual premium costs with and without physical damage coverage. The price estimates are based on no violations or accidents, $250 deductibles, single status, and no discounts are applied.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $250 Deductibles’, ‘Liability Only’],[‘Age 20’, 3861,1213],[‘Age 30’, 1955,665],[‘Age 40’, 1955,617],[‘Age 50’, 1777,577],[‘Age 60’, 1725,569],[‘Age 70’, 2109,759]]);var options = {title: ‘Full Versus Liability Only Rates’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Honda Civic in South Carolina’,minValue: 0,format: ‘$###,###’},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(‘qcibfcl’));chart.draw(data, options);}

If averaged for all ages, comp and collision coverage costs an additional $2,230 per year over having just liability coverage. That proposes the question if buying full coverage is a good investment. There isn’t a steadfast formula of when to drop comp and collision coverage, but there is a guideline you can use. If the annual cost of your full coverage insurance is about 10% or more of replacement cost minus your deductible, then you might want to think about dropping full coverage.

There are some cases where only buying liability is not in your best interest. If you still have a loan on your vehicle, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not eliminate full coverage.

Who is cheaper: State Farm, Geico, Allstate, or Progressive?

If you want the best insurance for a Civic in South Carolina, probably the best companies to start with are State Farm, Geico, Allstate, and Progressive. The next table illustrates price, claims, and customer service ratings, as well as some optional coverages you can buy with each company.