Orlando Harmon
The cost of auto insurance in South Carolina depends on a variety of factors, including age, gender, location, driving history, and credit score. The average cost of car insurance in South Carolina is $1,813 per year, which is 17% higher than the national average. However, the cost of auto insurance can vary significantly depending on individual factors. For example, young drivers tend to pay higher rates than older drivers, with 18-year-old males paying an average of $5,827 per year for full coverage. Additionally, drivers with a clean driving record can expect to pay lower premiums, while those with a DUI conviction may see their rates nearly double.
When it comes to specific insurance providers, USAA and Auto-Owners offer some of the most affordable rates in South Carolina. USAA is exclusive to military members, veterans, and their families, while Auto-Owners is available to all drivers. The average annual rate for Auto-Owners Insurance is $1,180, while USAA's average rate is $1,084. Other popular insurance companies in South Carolina include Geico, Progressive, and Nationwide, which also offer competitive rates.
| Characteristics | Values |
|---|---|
| Average cost of full coverage car insurance per year | $1,720 to $1,812 |
| Average cost of full coverage car insurance per month | $143 to $151 |
| Average cost of minimum coverage car insurance per year | $590 to $871 |
| Average cost of minimum coverage car insurance per month | $49 to $73 |
What You'll Learn
Average cost of car insurance in South Carolina
The cost of car insurance in South Carolina depends on various factors, including age, gender, location, driving history, and credit score. The average cost of car insurance in South Carolina is $1,361 per year, which is 4.6% less than the US average. However, the cost of car insurance can vary depending on the coverage level chosen.
The cost of minimum coverage car insurance in South Carolina is approximately $590 per year, while full coverage car insurance costs around $1,812 per year. This equates to monthly costs of $49 for minimum coverage and $151 for full coverage.
Age plays a significant role in determining car insurance rates, with younger drivers often paying higher premiums. In South Carolina, the average cost of car insurance for a 16-year-old driver is $6,372 per year, while drivers in their 50s pay an average of $1,246 per year.
Gender also influences car insurance rates, with males typically paying higher premiums than females. In South Carolina, the average annual cost of car insurance for a male driver is $1,813, while the average cost for a female driver is $1,656.
Car insurance rates can vary within the state, with urban areas often having higher average rates due to a higher risk of accidents and a higher cost of living. The city of Salem in upstate South Carolina has the cheapest car insurance rates in the state, with an average cost of $125 per month. In contrast, the cities of Crocketville and Miley in Hampton County have the highest rates, with an average cost of $185 per month for full coverage.
A clean driving record can help keep insurance costs low. In South Carolina, a single speeding ticket can increase insurance rates by around 18%, while a DUI conviction can nearly double the cost of full coverage.
Credit score is another factor that insurance companies consider when determining rates. In South Carolina, drivers with excellent credit pay around 16% less for car insurance than those with poor credit.
Cheapest Car Insurance Companies in South Carolina
When it comes to finding cheap car insurance in South Carolina, several companies offer competitive rates. Auto-Owners Insurance and American National P&C are consistently mentioned as having some of the lowest rates in the state. USAA also offers affordable rates, but their policies are exclusive to military members, veterans, and their families.
Tips for Saving on Car Insurance in South Carolina
To secure affordable car insurance in South Carolina, it is recommended to shop around and compare quotes from multiple insurance providers. Maintaining a clean driving record, choosing a higher deductible, and taking advantage of discounts can also help lower insurance premiums.
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Cheapest car insurance in South Carolina
The cost of car insurance in South Carolina depends on several factors, including age, gender, driving history, credit score, and vehicle type. The average cost of car insurance in South Carolina is $1,572 per year for full coverage and $590 per year for minimum coverage.
Cheapest Car Insurance Companies in South Carolina
According to various sources, the cheapest car insurance companies in South Carolina are:
- American National P&C
- Auto-Owners Insurance Co
- USAA
- Progressive
- Nationwide
Cheapest Car Insurance Coverage in South Carolina
The cheapest car insurance coverage in South Carolina is liability-only insurance, which costs an average of $49 per month or $591 per year.
Cheapest Car Insurance by Age and Gender in South Carolina
Age and gender also impact the cost of car insurance in South Carolina. Here are the average annual costs for male and female drivers across different age groups:
| Average Annual Full Coverage Premium | Average Annual Minimum Coverage Premium |
|---|---|
| $2,078 | $1,720 |
| $1,623 | $1,356 |
| $1,552 | $1,248 |
| $1,465 | $1,172 |
| $1,658 | $1,342 |
Cheapest Car Insurance for Teens in South Carolina
The average annual cost of adding a 16-year-old male to a family car insurance policy in South Carolina is $3,899. The average annual premium for an 18-year-old male driver is $6,524.
Cheapest Car Insurance by Driving Record in South Carolina
The cost of car insurance in South Carolina also depends on your driving record. Here are the average annual costs for drivers with a clean record, a speeding ticket, an at-fault accident, and a DUI:
| Average Annual Premium | Average Monthly Premium |
|---|---|
| $1,720 | $143 |
| $2,202 | $184 |
| $2,491 | $208 |
| $2,381 | $198 |
Cheapest Car Insurance by Credit Score in South Carolina
The cost of car insurance in South Carolina also varies based on your credit score. Here are the average annual costs for drivers with excellent, good, fair, and poor credit:
| Average Annual Premium |
|---|
| $1,034 |
| $1,264 |
| $1,525 |
| $1,819 |
| $2,174 |
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Car insurance for teens in South Carolina
To save money, teens can be added to their parents' or guardians' policy, and then the family can look for discounts. For example, if the teen is a good student with a "B" average or above, they could save their family around $361. Taking a defensive driving course can also help lower rates. If the teen is away at school and not driving, their parents can ask about an "away" discount.
Teens can also lower their rates by choosing a safer car to drive. Sports cars like Mustangs tend to be more expensive to insure.
It's important to shop around and compare quotes from different insurance companies, as rates vary.
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Car insurance for adults in South Carolina
Car insurance rates in South Carolina vary depending on several factors, including age, gender, driving record, and credit score. Here is a detailed overview of car insurance costs for adults in the state:
Average Cost of Car Insurance in South Carolina
The average cost of car insurance in South Carolina varies depending on the coverage level. For full coverage, the yearly cost is around $1,720, while the monthly cost is approximately $143. For minimum coverage, the yearly cost is about $871, and the monthly cost is roughly $73. These rates are generally lower than the national average.
Cost of Car Insurance by Age
Age plays a significant role in determining car insurance rates in South Carolina. Younger drivers tend to pay higher premiums than older adults. For example, the average cost of car insurance for a 22-year-old in the state is around $1,070 per year for minimum coverage and up to $2,078 per year for full coverage. On the other hand, drivers aged 60 and older enjoy the lowest premiums, with an average yearly cost of approximately $1,623.
Cost of Car Insurance by Gender
Gender also influences car insurance rates in South Carolina. Male drivers typically pay higher premiums than female drivers due to their higher likelihood of being involved in accidents. For instance, the average cost of car insurance for a 35-year-old male driver in the state is around $1,093, while the average cost for a female driver of the same age is slightly lower at $994.
Cost of Car Insurance by Driving Record
Your driving record can significantly impact your car insurance rates in South Carolina. A clean driving record can help you obtain lower insurance costs. On the other hand, traffic violations, accidents, and DUIs can lead to substantial increases in your premiums. For example, a speeding ticket can increase your yearly insurance cost by around $3,102, while a DUI can raise it by approximately $3,519.
Cost of Car Insurance by Credit Score
Your credit score is another factor that influences car insurance rates in South Carolina. Drivers with good credit scores tend to pay lower premiums. For instance, a driver with excellent credit may pay around $1,034 per year for car insurance, while a driver with poor credit could pay as much as $5,045 per year.
Cheapest Car Insurance Companies in South Carolina
When it comes to finding affordable car insurance in South Carolina, several companies offer competitive rates. USAA, Auto-Owners Insurance, and American National are often mentioned as having some of the lowest average rates in the state. However, it's important to note that eligibility for USAA is restricted to military members, veterans, and their families.
In conclusion, car insurance rates for adults in South Carolina vary based on multiple factors, including age, gender, driving record, and credit score. By comparing rates from different insurance providers and considering factors such as coverage level and discounts, adults in South Carolina can find the most suitable and affordable car insurance plan for their needs.
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Car insurance for seniors in South Carolina
Car insurance rates in South Carolina vary depending on factors such as age, gender, driving record, and credit score. The average cost of car insurance in the state is $1,812 per year for full coverage and $590 per year for minimum coverage.
For seniors in South Carolina, the cheapest car insurance companies are USAA and Auto-Owners. USAA offers the lowest average rates for married 60-year-old drivers, at $927 for males and $931 for females per year. Auto-Owners Insurance offers the second-lowest average rates for senior drivers, at $1,003 per year.
USAA is also the cheapest option for married 35-year-old drivers, at $994 for females and $1,009 for males per year. Auto-Owners Insurance is the second-lowest, at $1,093 per year.
For single 25-year-old drivers, USAA again has the cheapest rates, at $1,316 for females and $1,329 for males per year. Auto-Owners Insurance is the next cheapest option, at $1,453 for females and $1,433 for males per year.
It is important to note that these rates may not be applicable to all drivers and that individual rates can vary widely. It is always a good idea to compare quotes from multiple insurance companies to find the best rate for your specific needs.
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Frequently asked questions
The average cost of car insurance in South Carolina is $590 annually for minimum coverage and $1,812 for full coverage.
The average annual cost for full coverage car insurance in South Carolina is $1,720 or $143 per month. State minimum coverage is typically around $871 per year or $73 per month.
The cheapest car insurance in South Carolina is $852 per year for full coverage and $239 per year for minimum coverage.
The average cost of car insurance in South Carolina is $67 per month for a minimum coverage policy. Full coverage costs an average of $151 per month.
The average cost of car insurance in Columbia is $157 per month for full coverage.
