For the last few years ago, I figured we were headed to a right-wing insurgency rather than an actual civil war. At some point Democrats will do well (nationally) in elections, and now that the right is of the mind that any Democrat win = fraud, they will see that as the final straw and will react via random attacks against the government (e.g., bombings, assassinations). I've even heard some right-wing talk radio shows say the same thing. Also, I think we're seeing the beginnings of that right now.
But I never saw it leading to a true civil war because I didn't see a path to it, where you have armies fighting armies. But then I read an article by a historian that changed my mind.
He basically explained that the Supreme Court turning things back to the states has created a situation where we have states with quite divergent laws on some very important issues, such as abortion access, voting, and civil rights. He then pointed out how it's inevitable that at some point Democrats will have firm control of Congress and the White House, which will allow them to codify some (or all) of those things into law. That, he said, may be enough for some states to try and secede from the US, which was the trigger for our last civil war. Or, some states may refuse to follow the law and if the feds decide to enforce the law via force, it could lead to an armed confrontation between the US military and state forces.
So IMO, I believe we're almost irreversibly going down a path of violent confrontations between the government and right-wingers who refuse to accept it as legitimate and accept being governed by it. The only questions are, just how violent they'll get and how many they convince to join them.