Best Cheap Car Insurance Quotes for Government Employees in South Carolina

The make and model of vehicle you are insuring is one of the main factors when comparison shopping for the best cheap auto insurance for government employees in South Carolina. Vehicles with more horsepower, a lack of advanced safety features, or a history of substantial liability claims will cost more to insure than more modest models.

The next list estimates coverage prices for a number of the most budget-friendly vehicles to buy coverage for.

Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Table data does not factor in specific garaging location which can affect prices substantially.

Based upon the rates shown, we can expect models like the Honda Accord, Ford Escape, and Honda CR-V are most likely going to be the cheaper vehicles to insure for state and federal workers.

Finding dependable, cheap car insurance is not the easiest thing to do, and figuring out which company has the most affordable car insurance rates for government employees will involve even more perseverance. Each auto insurer has a proprietary method for setting rates, so let’s rank the lowest cost car insurance companies in South Carolina.

Best Insurance Companies in South Carolina

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The Hartford has some of the lowest car insurance rates in South Carolina at around $768 a year. USAA, Auto-Owners, State Auto, and Southern Farm Bureau also make the cut as some of the most economical South Carolina auto insurance companies.

As shown above, if you currently have coverage with State Auto and switched to USAA, you could see an annual premium reduction of in the vicinity of $143. Drivers with Southern Farm Bureau might save as much as $291 a year, and SC Farm Bureau Mutual customers might see rate reductions of $303 a year.

To get a quick, customized rate comparison, click here to get quotes or click several companies below for low rates.

These policy prices are averaged for all drivers and vehicles and do not factor in a price discount for government employees. So the car insurance company that can offer the best rates for your situation may not even be featured in the company chart above. That’s why you need to get car insurance quotes using your own specific driver and vehicle information.

One of the more important factors used to calculate rate quotes is where you keep your vehicle. Cities that have higher claim levels or more people like Summerville, North Charleston, and Goose Creek likely pay more, whereas cities that are not as densely populated tend to receive cheaper rates.

The table below illustrates the most expensive areas in South Carolina for government employees in which to purchase auto insurance.

Prices are approximated as the specific area where the vehicle is garaged can increase or decrease coverage rates noticeably.

Violations and accidents raise rates

The best way to enjoy the cheapest car insurance premiums for state and federal workers is to drive safely and avoid accidents and traffic violations. The chart below illustrates how violations and at-fault collisions drive up insurance premiums for different age groups. The information is based on a single male driver, comp and collision included, $500 deductibles, and no other discounts are factored in.

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The chart shows that the average cost of an auto insurance policy in South Carolina per year with no accidents or violations is $1,610. Receive two speeding tickets and the average cost jumps to $2,124, an increase of $515 each year. Then add one accident along with the two speeding tickets and the yearly cost of car insurance for government employees increases to an average of $2,643. That’s an increase of $1,033, or $86 per month, just for not keeping your driving record clean!

Which major car insurance company is best?

When it comes to car insurance for state and federal workers, the companies that insure more vehicles than anyone else are Progressive, State Farm, Allstate, and Geico. Each one has a distinct set of features and optional coverages that shoppers can choose from. The following table compares and contrasts pricing and service ratings, as well as optional policy coverages that are available.