How Much are Car Insurance Quotes for Drivers Under 21 in South Carolina?

Cost and performance of the vehicle you are buying coverage for is probably the biggest factor when shopping around for cheap car insurance for drivers under 21 in South Carolina. Vehicles with lower acceleration and performance, advanced safety features, or a track record of few liability claims will cost less to insure than higher performance models.

The information below showcases insurance premiums for a number of the most affordable automobiles to buy insurance for.

Cost estimates assume single female driver age 19, no speeding tickets, no at-fault accidents, $1000 deductibles, and South Carolina minimum liability limits. Discounts applied include safe-driver, and claim-free. Prices do not factor in specific South Carolina garaging location which can revise auto insurance rates noticeably.

Data based on single female driver age 19, no speeding tickets, no at-fault accidents, $1000 deductibles, and South Carolina minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate quotes do not factor in specific zip code location which can decrease or increase insurance rates greatly.

Price data assumes single female driver age 19, no speeding tickets, no at-fault accidents, $1000 deductibles, and South Carolina minimum liability limits. Discounts applied include safe-driver, and claim-free. Rates do not factor in specific location which can revise prices noticeably.

Comparing rates for budget auto insurance is hard enough, and determining which company quotes the cheapest car insurance rates for drivers under 21 requires additional perseverance. Insurance prices will most likely be quite a bit greater than the average rate in South Carolina due to the potentially higher risk that goes along with selling insurance for minors, but competitive coverage should be available with some perseverence. Every auto insurer has their own formula for determining rates in each state, so we’ll take a look at the car insurance companies with the overall best prices in South Carolina.

It’s important that you understand South Carolina car insurance rates are impacted by many things which can substantially decrease or increase the cost of a policy. This is why it is crucial to compare as many rates as possible when trying to get the cheapest auto insurance rates for drivers under 21. Insurance rates are calculated by many risk factors and change frequently, so the most economical company when you last compared rates may now cost much more than other companies.

Lowest Insurance Price Quotes for Minors

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The Hartford normally has some of the cheapest car insurance rates in South Carolina at around $745 per year. USAA, State Auto, Auto-Owners, and SC Farm Bureau Mutual would also make the list of some of the most economical South Carolina insurance companies.

As the example above demonstrates, if you currently have a policy with State Auto and switched to The Hartford, you may see a yearly price reduction of in the vicinity of $360. Drivers with Auto-Owners may save as much as $362 a year, and SC Farm Bureau Mutual customers might lower prices by $515 a year.

If you would like to find cheap car insurance for drivers under 21 in South Carolina, click here or visit any of the companies below.

Understand that those estimates are averaged across all drivers and vehicles in South Carolina and are not factoring in a rate increase for drivers under 21. So the car insurance company that fits you best may not even be shown in the list of companies shown earlier. That emphasizes why you need to quote rates from many companies using your own individual information.

For minors, one of the big considerations that control a rate quote is the neighborhood you call home in South Carolina. Areas that are more densely populated like North Charleston, Charleston, and Summerville are more likely to pay higher prices, whereas areas with less people or fewer weather incidents receive better rates.

The illustration below rates the higher priced cities in South Carolina for drivers under 21 in which to buy car insurance.

Information shown are estimated as the vehicle garaging location can modify auto insurance rates significantly.

Discount South Carolina car insurance rates

<img class="floatright" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/auto-insurance-drivers-under-21-sc.jpg" alt="Cheaper South Carolina car insurance for minors”/>Auto insurance companies that sell cheap car insurance for drivers under 21 in South Carolina may also offer policy discounts that could lower prices by 40% or more if you meet the requirements. Larger car insurance companies and some of their more popular discounts include:

The diagram below shows the comparison of insurance rates with and without discounts applied to the policy rates. The data assumes a male driver, no tickets, no at-fault accidents, South Carolina state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with passive restraint, defensive driving course, multiple vehicle, vehicle safety, accident-free, and anti-theft discounts applied. When discounts are factored in, the the amount saved on car insurance for drivers under 21 is 13% or $152.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 19’, 5637,4043],[‘Age 30’, 2303,1671],[‘Age 40’, 2301,1665],[‘Age 50’, 2089,1513],[‘Age 60’, 2023,1463]]);var options = {title: ‘Insurance Premium Comparison for Drivers Under 21’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Insuring your vehicle with a good quality insurance provider can be a challenge considering how many choices drivers have in South Carolina. The information in the lists below can help you decide which companies you want to consider when insurance shopping for drivers under 21.

These ratings are only comprised of companies with a national presence, so companies with more of a regional focus are not included in these rankings. If you’d like to compare prices from these top insurers and more, click this link.

Top 10 Large Car Insurance Companies in South Carolina Ranked by A.M. Best Rating

1. Travelers – A++
2. USAA – A++
3. GEICO – A++
4. State Farm – A++
5. Titan Insurance – A+
6. Esurance – A+
7. Progressive – A+
8. Nationwide – A+
9. The Hartford – A+
10. Allstate – A+

Top 10 Large Car Insurance Companies Overall in South Carolina

1. Travelers
2. USAA
3. AAA Insurance
4. Nationwide
5. Allstate
6. State Farm
7. The Hartford
8. Safeco Insurance
9. Progressive
10. American Family

Who has the cheapest insurance quotes for minors?

Drivers have a lot of different ways to compare cheaper car insurance rates in South Carolina, but the most frequently used methods are using a captive (or exclusive) agency like Auto-Owners or State Farm, an independent agent, or direct from companies such as Geico or Progressive. Each way has the same basic process, but car insurance buyers need to understand the differences in how they function.

Independent insurance agencies write for multiple companies and can compare rates with all of them. They do not sell for just one brand and can provide you with more rate quotes, which can help you get more bang for your buck. If your agent finds better pricing, it’s easy for the agent to move the policy and you won’t have to switch agencies.

An exclusive agent is only able to give rates for just one company, two examples are Liberty Mutual and Allstate agents. These agents are unable to provide prices from multiple companies, so always compare other rates.

If you want to buy car insurance direct, you bypass a local insurance agent and instead buy buying direct from a company like Esurance or Progressive. This car insurance option may be a decent choice families who do not have complex finances and know more than average about what coverages they need.

What is the best way to find cheap car insurance for drivers under 21 in South Carolina? It would be simple to say shopping direct results in the best prices because there are no middleman commissions, but unfortunately, it’s not that cut and dried. It could also be said buying car insurance from an independent agent guarantees the best prices since they have more companies to choose from, but again, it’s not a sure thing. And occasionally, the exclusive agents may have very competitive prices that are the lowest in South Carolina.

Because there is so much variation in car insurance prices, the only true way to ensure you are not overpaying is to get as many comparison quotes as possible. To cover all the bases, get prices from all three to give yourself the best selection. For a list of companies with some of the cheapest South Carolina car insurance rates, click here to view.