Cheapest Insurance for a Honda Civic in South Dakota

Our editors always tell us that when writing about car insurance, the words “cheap” or “affordable” really shouldn’t be used as a descriptor for car insurance rates. It’s just reality that cheap car insurance for a Honda Civic may be a thing of the past. Don’t let that spoil your day, because we can show you some ways you can still get coverage that you can fit into your budget.

The likelihood of finding cheap insurance for a Honda Civic in South Dakota hinges on a lot of things such as whether or not you are married, if you have recent claims, and blemishes on your driving record. Drivers pay around $920 every 12 months to buy Honda Civic insurance, but that price is an estimate assuming a 50-year-old married female driver that purchased comprehensive and collision coverage and $250 policy deductibles.

There’s a high likelihood you are not exactly 50 years old and possibly not even female, single instead of married, or maybe your Civic is a different trim level than the example. Making minor changes in policy rating factors may result in significant differences in the price of a policy.

Auto insurance is unique to every driver, so the best method for finding the cheapest rates for your Honda is to comparison shop your policy at every renewal or at least every couple of years.

Vehicle trim level will be a contributing factor to the coverage cost, so the price you pay to insure a Civic DX 4-Dr Sedan will be $310 cheaper than the price to insure the fancier Civic SI 2-Dr Coupe trim level, as shown by the rates below.

Table data represents married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and South Dakota minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Rates do not factor in the specific area where the vehicle is garaged which can change rates substantially.

Trying to find cheap car insurance is not most people’s favorite thing to do, and determining which companies offer the most affordable insurance rates for a Honda Civic involves even more shopping around. Each auto insurer has a proprietary method for determining rates, so we’ll go over the insurance companies that tend to have lower prices in South Dakota.

It’s important to know that South Dakota insurance rates are based on many factors which can significantly increase or decrease the policy premium. Getting older, buying a different home, or getting a ticket for running a stop sign can trigger changes in premium that can now make some companies more expensive than others.

USAA normally has some of the cheapest car insurance rates in South Dakota at around $657 a year. Auto-Owners, Farmers Mutual of Nebraska, State Farm, and Western National also qualify as some of the cheapest South Dakota car insurance companies.

In this example, if you currently have coverage with State Farm and switched to USAA, you could earn an annual savings of in the vicinity of $350. Insureds with Western National might save as much as $389 a year, and Unitrin policyholders might cut rates by $408 a year.

To find out how your current rates compare, click here to get quotes or quote prices from the following companies.

It’s important to note that these policy prices are averages for all ages of drivers and types of vehicles and are not factoring in a specific rate factor for a Honda Civic. So the insurer that can offer you the best rate may not even be featured in the chart above. That points out the importance of why you need to get rate quotes using your own driver information and specific vehicle type.

Types of discounts on South Dakota insurance rates

Insurance providers that provide the cheapest insurance for a Honda Civic in South Dakota could also offer discounts that can lower rates by as much as 35% if you meet eligibility requirements. Popular insurance companies and some of the premium reductions they offer include:

The chart below visualizes the comparison of car insurance rates with and without discounts applied to the policy premium. The rates are based on a male driver, no claims or driving violations, South Dakota 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 marriage, anti-theft, vehicle safety, homeowner, defensive driving course, and passive restraint discounts applied. When discounts are factored in, the average amount saved each year on insurance for a Honda Civic is % or $.

Liability rates compared to full coverage

Finding the cheapest insurance for a Honda Civic in South Dakota should be important to the majority of people, and one of the best ways to pay less for insurance is to not buy comprehensive and collision coverage. The illustration below compares auto insurance costs with full physical damage coverage and with liability coverage only. The rate quotes are based on no violations or accidents, $100 deductibles, single status, and no discounts are taken into consideration.

As an overall average, comp and collision coverage costs $2,120 per year over and above liability only. At some point, every insured wonders when is it a good idea to stop buying full coverage. There is no clear-cut formula of when to exclude physical damage insurance, but there is a broad guideline. If the yearly cost of full coverage is about 10% or more of the settlement you would receive from your company, then it could be time to drop full coverage.

For example, let’s assume your vehicle’s settlement value is $9,000 and you have $1,000 policy deductibles. If your vehicle is totaled, you would only receive $8,000 after paying your deductible. If you are paying over $800 annually for comprehensive and collision coverage, then it might be time to buy liability only.

There are some cases where only buying liability is not recommended. If you still owe money on your vehicle, you have to carry full coverage in order to keep the loan. Also, if you can’t afford to buy a different vehicle in case of an accident, you should keep full coverage.

The example below illustrates how choosing a deductible can raise or lower insurance rates when researching cheap insurance for a Honda Civic. The prices are based on a married male driver, full coverage, and no additional discounts are factored in.

In the chart above, a 30-year-old driver could pocket $296 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $444 by using a $1,000 deductible. Younger drivers, such as the Age 20 example, could roll back prices up to $908 each year just by choosing higher deductibles when buying full coverage. When choosing a higher deductible, it’s a good idea to have plenty of savings on hand to satisfy the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.

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