Who Has Cheap Insurance for a Honda Pilot in South Carolina?

Who Has Cheap Insurance for a Honda Pilot in South Carolina?

We always joke that when we write about car insurance, the words “cheap” or “affordable” should not be used anywhere in the article to describe car insurance prices. Please forgive the oxymoron, but cheap auto insurance for a Honda Pilot can seem impossible to find. Don’t let that spoil your day, because we will show you how you can get insurance that is easier on your budget.

Your chances of finding affordable coverage for a Honda Pilot in South Carolina relies on a very complex rating algorithm that uses multiple factors like whether you are a homeower, your credit status, and if you have a history of accidents. Drivers in South Carolina pay around $1,050 annually for Pilot insurance, but that rate is a ballpark figure based on a 50-year-old single male who needs comprehensive and collision coverage and $250 physical damage deductibles.

There is a very good chance that you are not 50 and possibly not even male, you might be married instead of single, or maybe you just want to insure for liability only. Insurance prices are based on the driver profile the only way to find cheap auto insurance rates for your Honda is to compare as many rates as possible. In just a couple of minutes you will be able to compare rates from the best companies that insure Honda vehicles in South Carolina.

Compare Honda Pilot Insurance Rates

Your vehicle’s trim level will likely have an effect on the annual cost of coverage, so the price you pay to insure a Pilot LX 2WD will be $112 cheaper than the insurance cost for the higher-end Pilot Touring 4WD trim level, as shown below.

Honda Pilot Insurance Rates in South Carolina
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $226 $376 $386 $22 $116 $1,126 $94
Pilot EX 2WD $256 $376 $386 $22 $116 $1,156 $96
Pilot EX 4WD $256 $376 $386 $22 $116 $1,156 $96
Pilot EX-L 2WD $256 $458 $386 $22 $116 $1,238 $103
Pilot EX-L 4WD $256 $458 $386 $22 $116 $1,238 $103
Pilot Touring 2WD $256 $458 $386 $22 $116 $1,238 $103
Pilot Touring 4WD $256 $458 $386 $22 $116 $1,238 $103
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Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Price information does not factor in vehicle garaging location which can raise or lower prices noticeably.

Figuring out which company has the best insurance rates for a Honda Pilot will require a bit more work than just comparing rates from one or two companies. Each auto insurer has their own formula for setting prices, so let’s take a look at the most competitive insurance companies in South Carolina.

It’s important to know that South Carolina insurance rates are influenced by many factors which can substantially change the price of coverage. Improving your credit score, increasing deductibles, or having an accident can trigger rate changes resulting in some companies being cheaper in comparison to the competition.

Lowest Insurance Price Quotes for Your Pilot

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The Hartford normally has some of the lowest car insurance rates in South Carolina at around $775 annually. USAA, State Auto, Auto-Owners, and SC Farm Bureau Mutual also are some of the more affordable South Carolina auto insurance companies.

In the above rates, if you currently have a policy with State Auto and switched to The Hartford, you may realize annual savings of approxmiately $319. Drivers with Auto-Owners might save as much as $344 a year, and SC Farm Bureau Mutual customers might realize rate reductions of up to $485 a year.

It’s important to note that these policy prices are averages across all drivers and vehicles and and are not figured with a specific rating modification for a Honda Pilot. So the auto insurance company that is best suited for you may not even be in the list above. That underscores the importance of why you need to compare rates from multiple companies using your own driver information and specific vehicle type.

Difference between liability only and full coverage rates

Finding cheap insurance for a Honda Pilot in South Carolina should be important to the majority of drivers, and a good way to save on the cost of insurance is to not insure for full coverage. The information below shows the difference between yearly insurance costs with full phyical damage coverage and with liability coverage only. The rates are based on no accidents or driving violations, $500 deductibles, marital status is single, and no other discounts are factored in.

If averaged for all ages, full coverage on your policy costs $1,939 per year more than just buying liability only. That is a significant amount which raises the question if buying full coverage is worth the expense. There is no exact formula to eliminate full coverage on your policy, but there is a broad guideline. If the annual cost of having full coverage is more than about 10% of the settlement you would receive from your company, then it’s probably a good time to buy liability coverage only.

For example, let’s pretend your vehicle’s book value is $7,500 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company would pay you is $6,500 after the policy deductible has been paid. If premiums are more than $650 annually for full coverage, then it may be the right time to buy liability only.

How careless driving impacts South Carolina insurance rates

The common sense way to obtain low insurance premiums in South Carolina for a Pilot is to be a good driver and avoid traffic citations and accidents. The example below highlights how speeding tickets and at-fault fender-benders can drive up insurance prices for different age groups. The rate quotes are based on a single female driver, full coverage, $1,000 deductibles, and no other discounts are factored in.

The data above shows the average cost of car insurance in South Carolina per year with no accidents or violations is $1,643. Receive one speeding ticket and the average cost swells to $1,865, an increase of $222 each year. Then add one accident along with the one speeding ticket and the yearly cost of insurance for a Honda Pilot increases to an average of $2,472. That’s an increase of $829, or $69 per month, just for not keeping your driving record clean!

How to find the cheapest insurance for a Honda Pilot

The list below summarizes many thrifty ideas that can help South Carolina drivers buy more affordable auto insurance.

  • Do not get tickets
  • Accident-free drivers may qualify for discounts
  • The safer your car, the less it costs to insure
  • Pay cheaper rates with good credit scores
  • Increase the comprehensive and collision deductibles on your policy
  • Shop around for lower rates once a year

The final tip is particularly valuable, as was pointed out in this write-up. Prices charged by companies can change considerably in a year, so you should be ready to switch carriers if a better deal can be had.

We understand brand loyalty, but it’s not a great idea if that devotedness results in you overpaying a wad of cash every year. In just a few minutes you could shop around and find cheaper insurance for a Honda Pilot.