Buying cheap auto insurance for a Honda Pilot in South Carolina hinges on many different factors such as when you were born, if you have a tendency to file claims, and any prior driving citations you have received. Drivers pay on average $981 per year for Pilot insurance, but that cost is an estimate based upon a 40-year-old married male driver with full physical damage coverage and $250 deductibles.
If we were betting, you may not be 40 years old (or even male), single instead of married, or maybe you prefer to not insure for full coverage. Even a slight difference in rating factors or requested coverage amount could end up with a large change in the cost of insurance.
Having different needs demonstrates why the only way to find the most affordable coverage for your Honda is to put in the effort to do a thorough rate comparison.
The trim level of your vehicle has an effect on the insurance rate, so the price you will be charged to insure a Pilot LX 2WD trim level will be $102 less than the price to insure the more costly Pilot Touring 4WD version, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Pilot LX 2WD||$240||$336||$352||$20||$106||$1,054||$88|
|Pilot EX 2WD||$270||$336||$352||$20||$106||$1,084||$90|
|Pilot EX 4WD||$270||$336||$352||$20||$106||$1,084||$90|
|Pilot EX-L 2WD||$270||$408||$352||$20||$106||$1,156||$96|
|Pilot EX-L 4WD||$270||$408||$352||$20||$106||$1,156||$96|
|Pilot Touring 2WD||$270||$408||$352||$20||$106||$1,156||$96|
|Pilot Touring 4WD||$270||$408||$352||$20||$106||$1,156||$96|
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Data rating is based on married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and South Carolina minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Price estimates do not factor in specific location which can revise rates significantly.
Ending up with the highest-rated auto insurance provider can be difficult considering how many choices drivers have in South Carolina. The ranking data shown next can help you analyze which coverage providers you want to consider when comparing auto insurance rates for a Honda Pilot. The rankings below are for companies that insure vehicles nationwide, so smaller regional companies are not taken into consideration for the list.
Top 10 Large Auto Insurers in South Carolina Ranked by Customer Service
- AAA Insurance
- Safeco Insurance
- State Farm
- The Hartford
- The General
Top Companies for Honda Pilot Insurance in South Carolina
Should you buy full coverage?
Saving money on insurance is the goal of the majority of people, and one of the best ways to lower the cost of insurance for a Honda Pilot in South Carolina is to not insure for full coverage. The diagram below illustrates the difference between yearly insurance costs with full coverage compared to only the South Carolina minimum liability coverage. The data assumes no accidents, no driving violations, $500 deductibles, marital status is single, and no additional discounts are factored in.
Averaged out for all age groups, physical damage insurance costs an extra $1,939 per year more than just buying liability only. That is a big expense that brings up the question if paying for full coverage is worth it. There is no exact rule to eliminate physical damage coverage, but there is a general convention. If the annual cost of coverage is about 10% or more of the settlement you would receive from your company, then it might be time to consider dropping full coverage.
There are some cases where dropping full coverage is not a good plan. If you still have a lienholder on your title, you are required to maintain full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not eliminate full coverage.
Types of discounts on South Carolina car insurance
Insurers that provide policies for a Honda Pilot may additionally offer policy discounts that may potentially lower prices by as much as 40% or more if you meet the requirements. Large insurance companies and some of the discounts are detailed below.
- 21st Century discounts include early bird, homeowners, anti-lock brakes, good student, and air bags.
- Progressive offers discounts including online signing, good student, continuous coverage, multi-policy, multi-vehicle, online quote discount, and homeowner.
- State Farm may have discounts that include driver's education, defensive driving training, Steer Clear safe driver discount, good student, good driver, anti-theft, and accident-free.
- Nationwide may offer discounts for Farm Bureau membership, easy pay, good student, family plan, business or organization, multi-policy, and anti-theft.
- Esurance includes discounts for homeowner, Pac-12 alumni, claim free, online shopper, safety device, emergency road assistance, and DriveSense.
- The Hartford offers premium reductions for bundle, defensive driver, driver training, air bag, anti-theft, vehicle fuel type, and good student.
The information below shows the comparison of insurance premiums with and without discounts applied to the premium. The premium estimates are based on a male driver, no tickets, no at-fault accidents, South Carolina state minimum liability limits, full physical damage coverage, and $100 deductibles.
The first bar for each age group shows premium with no discounts. The second bar shows the rates with safe-driver, marriage, multiple vehicle, vehicle safety, accident-free, and multiple policy discounts applied. When drivers take advantage of discounts, theaverage amount saved on insurance for a Honda Pilot is 28% or $653.
Impact of speeding/accidents on South Carolina insurance rates
The obvious way to earn the cheapest insurance prices for a Pilot is to drive carefully and not receive tickets or have accidents. The illustration below illustrates how speeding tickets and accident claims increase insurance costs for different age categories. The price estimates are based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no other discounts are factored in.
The data in the chart shows the average cost of a car insurance policy in South Carolina per year with no accidents and a clean driving record is $1,674. Get one speeding ticket and the average cost hikes up to $1,947, an increase of $273 each year. Then include two accidents along with the one speeding ticket and the 12-month cost of insurance for a Honda Pilot in South Carolina goes up to an average of $4,281. That's an increase of $2,607, or $217 per month, just for not paying attention while driving!