Finding cheap insurance for a Honda Civic in South Carolina relies on a lot of factors such as how long your commute is, if you have recent claims, and your choice of physical damage deductibles. South Carolina drivers pay on average $1,543 per year for Civic insurance, but that price is an estimate calculated based on a 30-year-old single male driver with full comprehensive and collision coverage and $100 deductibles.
The issue with using an average estimated rate is the likelihood you aren't exactly 30 years old or even a male, maybe you are married instead of single, or maybe you just want different deductibles. Having even a minor difference in rating criteria or coverage limits could end up in a significant change in how much coverage for a Honda Civic costs.
Not everyone needs the same coverages, so the way we recommend to find cheap car insurance rates for your Honda is to do your own rate comparisons. Get your free quotes now and you will receive prices from some of the most affordable companies around.
Vehicle trim level impacts the yearly cost, so the cost to insure a Civic DX 4-Dr Sedan will be $522 cheaper than the price to insure the fancier Civic SI 2-Dr Coupe version, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Civic DX 4-Dr Sedan||$292||$530||$448||$26||$134||$1,430||$119|
|Civic VP 4-Dr Sedan||$292||$624||$448||$26||$134||$1,524||$127|
|Civic LX 4-Dr Sedan||$292||$624||$448||$26||$134||$1,524||$127|
|Civic DX 2-Dr Coupe||$292||$624||$558||$34||$168||$1,676||$140|
|Civic EX 4-Dr Sedan||$292||$624||$448||$26||$134||$1,524||$127|
|Civic LX-S 4-Dr Sedan||$292||$624||$448||$26||$134||$1,524||$127|
|Civic LX 2-Dr Coupe||$292||$720||$558||$34||$168||$1,772||$148|
|Civic EX-L 4-Dr Sedan||$334||$720||$448||$26||$134||$1,662||$139|
|Civic SI 4-Dr Sedan||$334||$720||$448||$26||$134||$1,662||$139|
|Civic EX 2-Dr Coupe||$334||$720||$558||$34||$168||$1,814||$151|
|Civic GX 4-Dr Sedan||$334||$720||$448||$26||$134||$1,662||$139|
|Civic EX-L 2-Dr Coupe||$334||$720||$558||$34||$168||$1,814||$151|
|Civic Hybrid 4-Dr Sedan||$378||$624||$448||$26||$134||$1,610||$134|
|Civic SI 2-Dr Coupe||$378||$814||$558||$34||$168||$1,952||$163|
|Get Your Own Custom Quote Go|
Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and South Carolina minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Price estimates do not factor in specific zip code location which can raise or lower prices considerably.
Buying affordable insurance is not easy, and deciding which companies offer the most affordable insurance rates for a Honda Civic in South Carolina will require even more rate comparisons.
Each auto insurance company uses their own calculation for determining rates, so we need to take a look at the lowest cost insurance companies in South Carolina. Keep in mind that South Carolina insurance rates are impacted by many things which can substantially decrease or increase the cost of a policy. This price variation is why it is so important to compare lots of rates when trying to get cheap car insurance rates for a Honda Civic. Rates consist of many things and can change without notice, so the best price six months ago may now be costing you a lot of money.
Cheapest Insurance Rates for Your Honda
The Hartford generally has some of the best car insurance rates in South Carolina at around $752 annually. This is $857 less than the average policy premium paid by South Carolina drivers of $1,609. USAA, State Auto, Auto-Owners, and SC Farm Bureau Mutual also qualify as some of the best South Carolina car insurance companies.
As the rates illustrate above, if you buy coverage from Auto-Owners and switched to The Hartford, you might realize a yearly price reduction of roughly $389. Drivers with SC Farm Bureau Mutual could save as much as $496 a year, and Southern Farm Bureau customers might reduce rates by $546 a year.
It's important to note that these premiums are averages across all drivers and vehicles and are not factoring in a specific rate factor for a Honda Civic. So the auto insurance company that fits your age and vehicle best may not even be in the top 18 companies shown above. That helps illustrate why you need to get quotes using your own personalized driver profile and vehicle information.
Get discount South Carolina insurance
Car insurance companies that provide coverage for a Honda Civic may also provide rate discounts that could reduce prices by as much as 25% or more if you are eligible. Larger insurance companies and their possible discounts are included below.
- State Farm may offer discounts for Drive Safe & Save, anti-theft, multiple autos, good student, good driver, and Steer Clear safe driver discount.
- GEICO has savings for emergency military deployment, federal employee, good student, anti-theft, multi-policy, and five-year accident-free.
- SAFECO offers discounts including accident prevention training, teen safe driver, multi-car, bundle discounts, safe driver, and teen safety rewards.
- Farmers Insurance policyholders can earn discounts including early shopping, mature driver, bundle discounts, alternative fuel, and business and professional.
- AAA includes discounts for good driver, anti-theft, multi-policy, AAA membership discount, education and occupation, and pay-in-full.
- USAA offers discounts for military installation, family discount, good student, annual mileage, multi-policy, loyalty savings, and multi-vehicle.
The illustration below visualizes the comparison of auto insurance costs with and without policy discounts. The rates are based on a male driver, no accidents, no driving violations, South Carolina state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with anti-theft, safe-driver, multiple vehicle, marriage, defensive driving course, and multiple policy discounts applied. In this example, the average savings per year on insurance for a Honda Civic is 28% or $660.
Irresponsible driving raises your rates
The easiest method to score the most affordable insurance prices for a Civic is to pay attention while driving and avoid getting tickets or having accidents. The information below illustrates how violations and accidents can raise annual premium costs for different age groups. The rate quotes are based on a single female driver, full physical damage coverage, $100 deductibles, and no discounts are factored in.
In the prior example, the average cost of car insurance in South Carolina per year with no accidents or violations is $2,753. Receive two speeding tickets and the average cost swells to $3,709, an increase of $956 each year. Then include one accident along with the two speeding tickets and the yearly cost of insurance for a Honda Civic in South Carolina goes up to an average of $4,703. That's an increase of $1,950, or $163 per month, just for not keeping your driving record clean!
Full coverage or liability only
Paying less for insurance is probably important to the majority of people, and a great way to pay lower rates for insurance for a Honda Civic in South Carolina is to not buy full coverage. The illustration below shows the comparison of auto insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in South Carolina. The rates are based on no tickets, no at-fault accidents, $100 deductibles, drivers are single, and no policy discounts are applied.
As an overall average, physical damage insurance costs an additional $2,672 per year more than buying just liability insurance. Lot's of drivers question if paying for full coverage is worth it. There is no clear-cut formula of when to drop full coverage, but there is a general school of thought. If the yearly cost for physical damage coverage is more than about 10% of the replacement cost minus the deductible, then you might want to think about dropping full coverage.
For example, let's say your vehicle's settlement value is $12,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $11,000 after the policy deductible has been paid. If it's costing in excess of $1,100 a year for physical damage coverage, then you might want to think about dropping full coverage.