How Much Does Auto Insurance Cost for Teenagers in South Carolina?

The vehicle requiring coverage is a significant factor when shopping for cheaper car insurance for teenagers. Vehicles with limited top-end speed, advanced safety features, or a low likelihood of having liability claims will cost significantly less to insure than adrenaline junky models.

The next lists features coverage rates for a selection of the most budget-friendly automobiles to insure in South Carolina.

Table data represents single female driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and South Carolina minimum liability limits. Discounts applied include safe-driver, and claim-free. Price information does not factor in specific location information which can impact auto insurance rates substantially.

Data based on single female driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and South Carolina minimum liability limits. Discounts applied include safe-driver, and claim-free. Rates do not factor in specific garaging location which can raise or lower price quotes significantly.

Data rating is based on single female driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and South Carolina minimum liability limits. Discounts applied include claim-free, and safe-driver. Price estimates do not factor in South Carolina location which can alter auto insurance rates substantially.

Deciphering which companies have the most affordable auto insurance rates for teenagers takes more time in order to find the most economical policy. Each insurer uses different criteria to set policy rates, so we’ll take a look at the most competitive auto insurance companies in South Carolina.

It’s a good idea to know that South Carolina auto insurance rates are impacted by many factors that will increase or decrease the price of your policy. Simply improving your credit, moving across town, or getting a reckless driving citation can trigger rate changes resulting in some rates now being cheaper than others.

Best Auto Insurance Prices for Teens

Start Your Free Quote

google.charts.setOnLoadCallback(drawSCT5qcibChart);function drawSCT5qcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }], [‘The Hartford’, 775, ‘#F05050’], [‘USAA’, 1025, ‘#C84242’], [‘State Auto’, 1105, ‘#A63737’], [‘Auto-Owners’, 1141, ‘#8A2D2D’], [‘SC Farm Bureau Mutual’, 1260, ‘#732525’]]);var options = {title: ‘Top Five Cheap Auto Insurance Companies in South Carolina’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1360,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibt5cic’));chart.draw(view, options);}

The Hartford may offer 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 rank well as some of the lowest-priced South Carolina insurance companies.

In the rate table above, if you buy coverage from Auto-Owners and switched to The Hartford, you may see a yearly savings of in the vicinity of $366. Policyholders with SC Farm Bureau Mutual may save as much as $485 a year, and Southern Farm Bureau insureds might cut rates by $485 a year.

Be aware that those policy prices are averaged across all ages of drivers and types of vehicles and do not take into consideration a price surcharge for teenagers. So the auto insurance company that is most affordable for your situation may not even be in the above list. That is why you need to get rate quotes using your own individual information.

One of the more important factors that determine the annual cost of car insurance is where you keep your car. Larger areas like North Charleston, Summerville, and Sumter tend to have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims generally pay lower insurance rates.

The table below illustrates the priciest cities in South Carolina for teenagers to buy car insurance in.

Annual rates are comparative as the specific zip code location can alter insurance rates greatly.

Get discounts on South Carolina insurance rates

Insurers that provide cheap auto insurance for teenagers in South Carolina may have rate discounts that could lower prices by 35% or more if you qualify for them. Larger auto insurance companies and their possible discounts are:

The diagram below compares car insurance rates with and without discounts applied to the premium. The premiums are based on a male driver, no accidents, no driving violations, South Carolina state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with vehicle safety, passive restraint, anti-theft, good student, paperless filing, and paid-in-full discounts applied. When discounts are factored in, the the average amount saved on auto insurance for teenagers is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 16’, 4987,3571],[‘Age 30’, 1605,1169],[‘Age 40’, 1581,1147],[‘Age 50’, 1439,1045],[‘Age 60’, 1391,1011]]);var options = {title: ‘Insurance Rate Comparison for Teenagers’,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);}

Rate difference between full and liability-only coverage

Finding cheap auto insurance for teenagers in South Carolina is probably important to the majority of people, and an easy way to find cheaper insurance is to buy only liability coverage. The chart below shows the difference between insurance rates with and without full coverage. The rate quotes are based on no claims, a clean driving record, $100 deductibles, marital status is single, and no discounts are applied.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $100 Deductibles’, ‘Liability Only’],[‘Age 20’, 3351,1035],[‘Age 30’, 1743,569],[‘Age 40’, 1727,529],[‘Age 50’, 1569,495],[‘Age 60’, 1515,487],[‘Age 70’, 1837,649]]);var options = {title: ‘Savings of Only Insuring for Liability’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in South Carolina’,minValue: 0,format: ‘$###,###’},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(‘qcibfcl’));chart.draw(data, options);}

Averaged for all age groups, physical damage coverage on your policy costs an additional $1,957 per year more than insuring for liability only. That touches on the question if buying full coverage is a good investment. There is no exact rule to exclude full coverage on your policy, but there is a general guideline you can use. If the annual cost of coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might want to consider buying only liability coverage.