The vehicle model on the policy is one of the main factors when comparing quotes for cheap auto insurance for high school students in South Carolina. Vehicles with higher performance, poor safety features, or a track record of large liability claims will cost more to insure than more modest models. The data below illustrates insurance prices for the more afforable vehicles to insure in South Carolina.
Vehicle Make and Model | Estimated Cost for Full Coverage |
---|---|
Hyundai Elantra GLS Touring Station Wagon | $2,987 |
Honda CR-V EX 4WD | $3,016 |
Ford Escape Limited 2WD | $3,025 |
Chevrolet Traverse LT AWD | $3,235 |
Toyota Prius | $3,241 |
Hyundai Tucson GLS 2WD | $3,326 |
Ford Explorer Eddie Bauer 2WD | $3,355 |
Ford F-150 XL Regular Cab 4WD | $3,363 |
Kia Forte EX 4-Dr Sedan | $3,355 |
Subaru Forester X Limited Edition W/Navigation AWD | $3,451 |
Hyundai Santa Fe GLS 2WD | $3,516 |
Nissan Altima 2.5 4-Dr Sedan | $3,545 |
Chevrolet Equinox LS 2WD | $3,552 |
Chevrolet Malibu LS | $3,545 |
Toyota Sienna XLE | $3,552 |
Toyota RAV4 2WD | $3,545 |
Subaru Outback 3.6R Premium | $3,574 |
Dodge Grand Caravan Crew | $3,583 |
Jeep Wrangler Unlimited Sport 2WD 4-Dr | $3,704 |
Honda Civic VP 4-Dr Sedan | $3,710 |
Ford Focus SES 4-Dr Sedan | $3,704 |
Toyota Corolla XLE | $3,733 |
Ford Edge Sport AWD | $3,738 |
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Data rating is based on single female driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and South Carolina minimum liability limits. Discounts applied include safe-driver, and claim-free. Price estimates do not factor in specific garaging location which can alter premiums noticeably.
Based upon these rates, cars like the Hyundai Elantra, Honda CR-V, Ford Escape, Chevrolet Traverse, and Toyota Prius should be a few of the most budget-friendly vehicles to insure for teenagers. Rates will tend to be more expensive anyway just because there is a higher risk for high school students, but generally speaking those particular vehicles will tend to have the best insurance prices that you’ll find.
For teenagers, one of the largest criteria that car insurance companies use to calculate the policy price is where you call home. Areas with increased crime or more people like North Charleston, Charleston, and Goose Creek are more likely to have higher rates, whereas areas with less people or fewer weather incidents tend to receive slightly lower rates.
The table below displays the most expensive places in South Carolina for high school students in which to buy car insurance.
Rank | City | Annual Premium |
---|---|---|
1 | North Charleston | $1,301 |
2 | Florence | $1,298 |
3 | Charleston | $1,273 |
4 | Summerville | $1,252 |
5 | Goose Creek | $1,246 |
6 | Socastee | $1,223 |
7 | Sumter | $1,215 |
8 | Columbia | $1,213 |
9 | Mount Pleasant | $1,189 |
10 | Saint Andrews | $1,184 |
11 | Myrtle Beach | $1,174 |
12 | Greenville | $1,144 |
13 | Hilton Head Island | $1,127 |
14 | Anderson | $1,127 |
15 | Spartanburg | $1,127 |
16 | Aiken | $1,119 |
17 | North Augusta | $1,106 |
18 | Greenwood | $1,099 |
19 | Taylors | $1,095 |
20 | Rock Hill | $1,091 |
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Premium amounts are approximated as specific South Carolina garaging address can impact insurance rates greatly.
Auto insurance companies that provide cheap auto insurance for high school students in South Carolina may also provide special discounts that may potentially lower prices by 35% or more if you qualify for them. Companies and some of the discounts are shown below.
Discount | Allstate | State Farm | Progressive | Geico |
---|---|---|---|---|
Multiple policies | Yes | Yes | Yes | Yes |
Multi-vehicle | No | Yes | Yes | Yes |
Anti-theft | Yes | Yes | Yes | Yes |
Safe vehicle | Yes | Yes | No | Yes |
Passive restraint | Yes | Yes | No | Yes |
Newer vehicle | Yes | Yes | No | No |
Eco-friendly vehicle | Yes | No | No | No |
No accidents | Yes | Yes | Yes | Yes |
Defensive driving course | Yes | Yes | Yes | Yes |
Active duty military | No | Yes | Yes | Yes |
Professional affiliation | No | No | No | Yes |
Pay in full | Yes | No | Yes | Yes |
Paperless billing | Yes | No | Yes | Yes |
Customer loyalty | No | Yes | Yes | No |
Early sign-up | Yes | No | No | No |
Smart student | Yes | Yes | Yes | Yes |
Student at college | Yes | Yes | Yes | No |
Own home | No | No | Yes | No |
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The illustration below illustrates the comparison of insurance costs with and without discounts applied to the policy premium. The rates are based on a female driver, no claims or driving violations, South Carolina state minimum liability limits, comp and collision included, and $250 deductibles.
The first bar for each age group shows premium with no discounts. The second bar shows the rates with vehicle safety, anti-theft, paid-in-full, passive restraint, good student, and continuous coverage discounts applied. When these discounts are applied, the average savings per year on auto insurance for high school students is 41% or $362.
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