Best Cheap Auto Insurance Quotes for Felons in South Carolina

The words “affordable” and “insurance” really shouldn’t be used in the same sentence, specifically when you are shopping around for the cheapest auto insurance for felons. Because of the high cost, let’s start off by going over some things that influence insurance premiums, and find a way to slash the price of the next policy you buy.

For felons, one of the largest criteria that control the policy price is where you live in South Carolina. Areas that are more densely populated like North Charleston, Goose Creek, and Sumter are more likely to have higher rates, whereas areas with less people or fewer weather incidents generally pay lower insurance rates.

The information below displays the highest-priced places in South Carolina for felons to purchase auto insurance in.

Rates are approximated as the specific zip code location can decrease or increase premium rates substantially.

Locating affordable insurance is easier said than done, and figuring out which companies quote the cheapest insurance rates for felons will involve even more work. Each insurance company has a unique approach to set their prices, so let’s begin by examining the insurance companies with the overall best prices in South Carolina.

It’s a good idea to know that South Carolina insurance rates are influenced by many factors that control the policy price. This price variability is why South Carolina drivers need to compare as many rates as possible to get the most affordable auto insurance rates for felons. Auto insurance prices consist of many factors and can decrease or increase without notice, so the best company when you bought your policy may now be wasting a lot of money.

Find Cheaper Auto Insurance for Felons

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The Hartford normally has some of the cheapest car insurance rates in South Carolina at around $752 a year. USAA, State Auto, Auto-Owners, and Southern Farm Bureau also rank well as some of the most economical South Carolina auto insurance companies.

As depicted above, if you currently have coverage with State Auto and switched to The Hartford, you might achieve an annual savings of upwards of $342. Insureds with Auto-Owners might save as much as $355 a year, and Southern Farm Bureau insureds might reduce prices by as much as $496 a year.

To discover how much you can save, click here to begin a quote or quote prices from the following companies.

It’s important to note that these rates are averaged across all insureds and vehicles and do not factor in a price decrease for felons. So the company that fits you best may not even be included in the list of companies shown earlier. That points out the importance of why you need to compare rates from as many companies as possible using your own specific driver information and vehicle.

Rate difference between full and liability-only coverage

Finding the best cheap auto insurance for felons in South Carolina is the goal of the majority of drivers, and one of the best ways to buy cheaper insurance is to buy only liability coverage. The example below shows the comparison of auto insurance rates with full coverage and liability only. The premiums are based on no accidents or driving violations, $250 deductibles, drivers are not married, and no policy discounts are applied.

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Averaged for all ages 20 through 70, comprehensive and collision coverage on your policy costs $1,794 per year over and above liability coverage. That brings up the question when is the right time to remove full coverage. There is no set guideline to eliminate physical damage insurance, but there is a general guideline. If the annual cost of your full coverage insurance is more than about 10% of the replacement cost minus the deductible, then it might be time to buy liability only.

There are some circumstances where buying only liability insurance is not financially feasible. If you haven’t paid off your loan, you are required to maintain full coverage to satisfy the loan requirements. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should keep full coverage on your policy.

Selecting a good quality insurance company can be challenging considering how many different companies sell coverage in South Carolina. The company ratings listed below could help you pick which coverage providers you want to consider comparing price quotes from.

The ratings below only include large insurance companies, so smaller companies that only insure vehicles in South Carolina will not be included in the list. To view rates from many more South Carolina auto insurance companies, follow this link.

Geico, State Farm, Progressive, and Allstate: Who is best?

If you are looking for the best auto insurance for felons, some of the largest companies to start with are Geico, State Farm, Progressive, and Allstate. Combined they have about half of all auto insurance written. The following table ranks ratings and policy coverage options that you can purchase from each one.

Best cheap insurance quotes for felons

Thanks to technology, drivers have a lot of ways to comparison shop for insurance in South Carolina, but the most preferred methods are from an exclusive insurance agency like State Farm or Liberty Mutual, an independent or non-exclusive agent, or from a direct company like Progressive or Geico.

Each way is similar, but it’s good to know the differences in how they provide price quotes.

Independent agencies can place your business with multiple companies and can provide price quotes from every one. Agents of this type do not work for one specific company and can compare multiple rates, which can help you get the best idea of how your rates compare. If prices rise, an independent agent can move your coverage and you don’t have to switch agencies.

Exclusive agents are only able to quote rates from just one company, two of the more popular are a State Farm or Liberty Mutual agent. These agents are unable to place coverage with different providers, so if the price isn’t competitive there isn’t much they can do.

When you buy insurance direct, you forego local agents and buy direct online or over the phone from a company like Progressive or Geico. Buying insurance direct can be a good choice for people who do not have a complex risk profile and have a good understanding of what insurance covers.

Which method is best to find the best cheap auto insurance for felons in South Carolina? It would be easy to say buying from a direct car insurance company saves money since that eliminates agent commissions, but in reality, that argument does not hold true. We could also say that buying from an independent agent is the best way to save since they can provide multiple quotes, but that assumption is not true either. And occasionally, the exclusive agents have very competitive rates that independents and direct companies can’t touch.

Since insurance rates vary so much, the best method to not overpay for insurance is to do a thorough rate comparison. We recommend you get rate quotes from independent agents, exclusive agents, and direct companies to have the best rate selection. For a list of companies offering online discounts in South Carolina, click here to view.