Cheapest Auto Insurance for Young Drivers in South Carolina

The make and model of vehicle that needs insurance is probably the biggest factor when consumers are trying to find the cheapest car insurance for young drivers in South Carolina. Vehicles with higher performance, a lack of safety features, or an increased likelihood of liability claims will cost substantially more to insure than more modest models. The next list features auto insurance rates for a number of the most budget-friendly vehicles to buy insurance for.

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 claim-free, and safe-driver. Estimates do not factor in vehicle garaging location which can change coverage rates substantially.

By looking at the data, vehicles like the Honda CR-V, Ford Escape, Toyota Prius, Subaru Forester, and Chevrolet Traverse will be the cheapest vehicles to insure for youthful drivers. Auto insurance rates will tend to be higher because there is more exposure for young drivers, but generally speaking those makes and models will most likely have the cheapest rates that you are likely to find.

For youthful drivers, one of the more important things that determine rate quotes is where your home is located. Cities with larger populations or higher claim trends like Goose Creek, Charleston, and North Charleston tend to pay higher rates, whereas more rural areas get the luxury of paying less.

The next table rates the most costly cities in South Carolina for young drivers to buy auto insurance in.

Rates are approximated as the specific South Carolina residence address can lower or raise auto insurance rates substantially.

Finding good, cost effective insurance is hard enough, and determining which company has the best car insurance rates for young drivers requires even more rate comparisons. Policy prices will probably be quite a bit pricier than the average price in South Carolina, with the higher price attributed to the potential for higher claims related to offering insurance for youthful drivers, but affordable coverage should be available with some perseverence. Each insurance company uses different criteria for filing rates in each state, so let’s begin by examining the car insurance companies with the overall best prices in South Carolina.

We do need to point out that South Carolina car insurance rates are calculated based on many things that can increase the price you have to pay for coverage. That is why South Carolina drivers need to take the time to shop around when trying to find cheap insurance quotes for young drivers. Prices are made up of many things and change frequently, so the cheapest option when you last compared rates may now cost much more than other companies.

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The Hartford may offer some of the best car insurance rates in South Carolina at around $768 per year. USAA, State Auto, Auto-Owners, and SC Farm Bureau Mutual also make the cut as some of the cheaper South Carolina insurance companies.

In the above example, if you buy coverage from Auto-Owners and switched to The Hartford, you might see savings of around $373. South Carolina drivers with SC Farm Bureau Mutual might save as much as $518 a year, and Southern Farm Bureau policyholders might realize rate reductions of up to $518 a year.

It’s important to note that these rates are averaged across all ages of drivers and types of vehicles and and are not figured with a rate surcharge for young drivers. So the auto insurance company that can offer you the best price may not even be shown in the list above. That’s why you need to get rate quotes from many companies using your own driver and vehicle profiles.

Careless driving habits raise South Carolina car insurance rates

A great way to earn the cheapest car insurance for young drivers in South Carolina is to drive safe and not receive tickets or have accidents. The chart below illustrates how speeding tickets and at-fault accidents raise insurance prices for different age groups of insureds. The data is based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are taken into consideration.

In the chart above, the average cost of an auto insurance policy per year with no violations or accidents is $1,435. Get written up for one speeding ticket and the average cost jumps to $1,618, an increase of $184 each year. Now include one accident along with the one speeding ticket and the yearly cost of car insurance for young drivers increases to an average of $2,126. That’s an increase of $691, or $58 per month, just for not paying attention while driving!

What is the best car insurance company in South Carolina?

Insuring your vehicle with the top car insurance company is difficult considering how many choices drivers have in South Carolina. The ranking information listed below could help you choose which auto insurers to look at shopping your coverage with. The ratings below are for the largest auto insurers in America, so companies without a large exposure are not included in these rankings.

Top 10 Major Auto Insurers 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 Major Auto Insurers in South Carolina Ranked by Value

1. Travelers
2. American Family
3. AAA Insurance
4. Safeco Insurance
5. Progressive
6. The Hartford
7. The General
8. 21st Century
9. Esurance
10. Titan Insurance

Ideas to find cheaper auto insurance for young drivers

Here are some of the better penny-pinching solutions that can help drivers quote more affordable coverage.

• Violations like speeding or DUI increase rates
• Raise your deductibles
• Higher credit scores can equal lower rates
• Staying accident-free helps keep rates low
• The safer your car, the less it costs to insure
• Shop around and save

The last idea is extraordinarily necessary, as we discussed in this piece. Coverage prices can be adjusted at any time, so don’t be hesitant to buy a policy from a new company if you can save money.

Brand loyalty is not necessarily bad, but we do not recommend it if it’s costing you a wad of cash every year. It takes less than five minutes to compare rates to find cheaper auto insurance for young drivers.