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Average cost of car insurance in South Carolina for 2025
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
How much is car insurance in South Carolina?
South Carolina drivers pay an annual average of $640 for minimum coverage car insurance and $2,031 for full coverage, which typically includes collision and comprehensive insurance. These rates are below the national averages of $773 and $2,670, respectively. However, your own rate is based on data that is specific to you, including your ZIP code, driving record and credit history, so your rate is likely to differ.
Key takeaways
- In South Carolina, drivers pay an average of $169 per month for full coverage car insurance and $53 per month for minimum coverage.
- Young drivers tend to pay higher rates than older drivers, with 18-year-old males having the highest average premium at $6,408 per year for full coverage.
- A DUI conviction in South Carolina can nearly double full coverage premiums.
- Drivers with excellent credit pay around 20 percent less annually for full coverage than those with poor credit.
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South Carolina car insurance rates by city
South Carolina car insurance rates vary by city, too. Urban areas tend to have higher average rates since more vehicles on the road means a higher chance of getting into an accident. Additionally, the cost of living — and thus the cost of claims — tends to be higher in more populated cities.
Sorry, we don't have enough data yet on this city yet!
But these other cities in the state may give you some insight.
| City | Avg. annual full coverage premium | Avg. savings vs. state average |
|---|---|---|
| Charleston | $2,164 | +6% |
| Cordesville | $2,228 | +9% |
| Saint George | $2,241 | +10% |
| Summerville | $2,169 | +7% |
| Dillon | $2,235 | +10% |
| Gresham | $2,273 | +11% |
| Little River | $2,022 | -0% |
| Mc Coll | $2,222 | +9% |
| Myrtle Beach | $1,991 | -2% |
| Clemson | $1,775 | -13% |
| Greenwood | $1,842 | -10% |
| Hodges | $1,879 | -8% |
| Liberty | $1,832 | -10% |
| Pickens | $1,855 | -9% |
| Richland | $1,815 | -11% |
| Townville | $1,834 | -10% |
| West Union | $1,786 | -13% |
| Chesterfield | $2,055 | +1% |
| Lane | $2,272 | +11% |
| Latta | $2,252 | +10% |
| Longs | $2,076 | +2% |
| Marion | $2,201 | +8% |
| Wallace | $2,151 | +6% |
| Greenville | $1,925 | -5% |
| Anderson | $1,913 | -6% |
| Central | $1,755 | -15% |
| La France | $1,854 | -9% |
| Newry | $1,750 | -15% |
| Pelzer | $1,918 | -6% |
| Pendleton | $1,821 | -11% |
| Lancaster | $2,182 | +7% |
| Rock Hill | $1,916 | -6% |
| Ballentine | $2,110 | +4% |
| Cope | $2,198 | +8% |
| Eastover | $2,183 | +7% |
| Greeleyville | $2,289 | +12% |
| Kershaw | $2,145 | +5% |
| Lugoff | $2,099 | +3% |
| Lynchburg | $2,265 | +11% |
| Orangeburg | $2,169 | +7% |
| Pinewood | $2,264 | +11% |
| Rowesville | $2,280 | +12% |
| Saluda | $2,013 | -1% |
| Bamberg | $2,242 | +10% |
| Camden | $2,122 | +4% |
| Conestee | $1,943 | -4% |
| Murrells Inlet | $1,973 | -3% |
| Rains | $2,213 | +9% |
| Donalds | $1,953 | -4% |
| Six Mile | $1,846 | -10% |
| Westminster | $1,796 | -12% |
| Fort Lawn | $2,131 | +5% |
| Smyrna | $1,952 | -4% |
| York | $1,900 | -7% |
| New Ellenton | $1,861 | -9% |
| Barnwell | $2,187 | +7% |
| Bradley | $1,943 | -4% |
| Roebuck | $1,983 | -2% |
| Duncan | $1,947 | -4% |
| Bonneau | $2,221 | +9% |
| Mount Pleasant | $1,977 | -3% |
| Pinopolis | $2,188 | +7% |
| Wellford | $1,974 | -3% |
| Cottageville | $2,299 | +12% |
| Georgetown | $2,167 | +6% |
| Hollywood | $2,330 | +14% |
| Ladson | $2,219 | +9% |
| Saint Stephen | $2,299 | +12% |
| Williams | $2,327 | +14% |
| Clio | $2,189 | +7% |
| Woodruff | $1,935 | -5% |
| Hanahan | $2,182 | +7% |
| North Charleston | $2,256 | +10% |
| Goose Creek | $2,129 | +5% |
| Ruffin | $2,305 | +13% |
| Florence | $2,155 | +6% |
| Pauline | $1,990 | -2% |
| Waterloo | $1,881 | -8% |
| Edisto Island | $2,264 | +11% |
| Grover | $2,336 | +14% |
| Jacksonboro | $2,378 | +16% |
| Johns Island | $2,143 | +5% |
| Adams Run | $2,313 | +13% |
| Jamestown | $2,298 | +12% |
| Ridgeville | $2,267 | +11% |
| Russellville | $2,377 | +16% |
| Bennettsville | $2,142 | +5% |
| Bethera | $2,479 | +20% |
| Pineville | $2,346 | +14% |
| Reevesville | $2,226 | +9% |
| Smoaks | $2,404 | +17% |
| Walterboro | $2,263 | +11% |
| Blenheim | $2,204 | +8% |
| Conway | $2,099 | +3% |
| Darlington | $2,138 | +5% |
| Nesmith | $2,307 | +13% |
| Calhoun Falls | $1,929 | -5% |
| Due West | $1,950 | -4% |
| Easley | $1,853 | -9% |
| Coward | $2,268 | +11% |
| Hamer | $2,278 | +11% |
| Kingstree | $2,274 | +11% |
| North Myrtle Beach | $1,891 | -7% |
| Cross | $2,294 | +12% |
| Huger | $2,238 | +10% |
| Aynor | $2,160 | +6% |
| North Augusta | $1,935 | -5% |
| Hilton Head Island | $1,830 | -10% |
| Ridgeland | $2,276 | +11% |
| Columbia | $2,110 | +4% |
| Moore | $1,970 | -3% |
| Piedmont | $1,923 | -5% |
| Travelers Rest | $1,923 | -5% |
| Fort Mill | $1,929 | -5% |
| Sunset | $1,838 | -10% |
| Williamston | $1,951 | -4% |
| Lando | $2,404 | +17% |
| Aiken | $1,865 | -9% |
| Greer | $1,867 | -8% |
| Seneca | $1,762 | -14% |
| Starr | $2,013 | -1% |
| Tamassee | $1,831 | -10% |
| Walhalla | $1,772 | -14% |
| Jefferson | $2,050 | +1% |
| Graniteville | $1,885 | -7% |
| Mc Cormick | $2,018 | -1% |
| Honea Path | $1,992 | -2% |
| Simpsonville | $1,821 | -11% |
| Ware Shoals | $1,952 | -4% |
| Hickory Grove | $1,965 | -3% |
| Mc Connells | $1,937 | -5% |
| Fairfax | $2,475 | +20% |
| Gloverville | $1,897 | -7% |
| State Park | $2,183 | +7% |
| Wagener | $2,023 | -0% |
| West Columbia | $1,988 | -2% |
| Winnsboro | $2,292 | +12% |
| Spartanburg | $1,988 | -2% |
| Inman | $1,905 | -6% |
| Jonesville | $2,091 | +3% |
| Long Creek | $1,828 | -11% |
| Marietta | $1,921 | -6% |
| Mountain Rest | $1,825 | -11% |
| Bowling Green | $2,014 | -1% |
| Chester | $2,121 | +4% |
| Mount Croghan | $2,079 | +2% |
| Clarks Hill | $2,012 | -1% |
| Clifton | $2,027 | -0% |
| Kinards | $1,968 | -3% |
| Landrum | $1,912 | -6% |
| Fork | $2,221 | +9% |
| Pawleys Island | $1,958 | -4% |
| Una | $2,030 | -0% |
| Mc Clellanville | $2,125 | +5% |
| Moncks Corner | $2,217 | +9% |
| Andrews | $2,280 | +12% |
| Hartsville | $2,140 | +5% |
| Tatum | $2,215 | +9% |
| Cleveland | $1,897 | -7% |
| Johnsonville | $2,239 | +10% |
| Lake View | $2,217 | +9% |
| Little Rock | $2,265 | +11% |
| Green Sea | $2,155 | +6% |
| Lake City | $2,237 | +10% |
| Pamplico | $2,289 | +12% |
| Society Hill | $2,140 | +5% |
| Effingham | $2,206 | +8% |
| Nichols | $2,184 | +7% |
| Sumter | $2,142 | +5% |
| Turbeville | $2,252 | +10% |
| White Rock | $2,064 | +2% |
| Blythewood | $2,075 | +2% |
| Silverstreet | $1,985 | -2% |
| Springfield | $2,215 | +9% |
| Wedgefield | $2,169 | +7% |
| Whitmire | $2,042 | +1% |
| Mountville | $1,929 | -5% |
| Sellers | $2,219 | +9% |
| White Stone | $2,020 | -1% |
| Charleston Afb | $2,158 | +6% |
| Awendaw | $2,081 | +2% |
| Branchville | $2,324 | +13% |
| Folly Beach | $2,083 | +3% |
| Green Pond | $2,314 | +13% |
| Ravenel | $2,325 | +13% |
| Round O | $2,328 | +14% |
| Sullivans Island | $2,006 | -1% |
| Wadmalaw Island | $2,245 | +10% |
| Cheraw | $2,044 | +1% |
| Union | $2,108 | +4% |
| Canadys | $2,568 | +23% |
| Dorchester | $2,234 | +10% |
| Cades | $2,319 | +13% |
| Galivants Ferry | $2,163 | +6% |
| Hemingway | $2,273 | +11% |
| Patrick | $2,113 | +4% |
| Startex | $1,997 | -2% |
| Harleyville | $2,235 | +10% |
| Isle Of Palms | $2,002 | -1% |
| Loris | $2,183 | +7% |
| Mullins | $2,196 | +8% |
| Abbeville | $1,924 | -5% |
| Belton | $1,970 | -3% |
| Fair Play | $1,813 | -11% |
| Fountain Inn | $1,851 | -9% |
| Salters | $2,266 | +11% |
| Scranton | $2,224 | +9% |
| Gray Court | $1,881 | -8% |
| Pacolet Mills | $2,273 | +11% |
| Chesnee | $1,958 | -4% |
| Cowpens | $2,018 | -1% |
| Enoree | $1,945 | -4% |
| Mauldin | $1,833 | -10% |
| Sandy Springs | $1,854 | -9% |
| Ruby | $2,073 | +2% |
| Jackson | $2,004 | -1% |
| Lowndesville | $1,943 | -4% |
| Norris | $1,830 | -10% |
| Allendale | $2,481 | +20% |
| Saint Helena Island | $1,982 | -2% |
| Port Royal | $1,888 | -7% |
| Seabrook | $1,968 | -3% |
| Varnville | $2,448 | +19% |
| Hampton | $2,471 | +20% |
| Lobeco | $2,018 | -1% |
| Scotia | $2,460 | +19% |
| Troy | $1,918 | -6% |
| Ulmer | $2,345 | +14% |
| Brunson | $2,483 | +20% |
| Daufuskie Island | $1,923 | -5% |
| Early Branch | $2,403 | +17% |
| Blair | $2,272 | +11% |
| Carlisle | $2,109 | +4% |
| Jenkinsville | $2,231 | +9% |
| Lamar | $2,129 | +5% |
| Lexington | $1,970 | -3% |
| New Zion | $2,308 | +13% |
| Gaffney | $2,025 | -0% |
| Joanna | $1,909 | -6% |
| Lyman | $1,963 | -3% |
| Bethune | $2,103 | +3% |
| Beech Island | $1,967 | -3% |
| Beaufort | $1,932 | -5% |
| Vaucluse | $1,871 | -8% |
| Coosawhatchie | $2,279 | +12% |
| Garnett | $2,436 | +18% |
| Luray | $2,456 | +19% |
| Tillman | $2,257 | +11% |
| Ninety Six | $1,948 | -4% |
| Slater | $1,935 | -5% |
| Pageland | $2,107 | +4% |
| Elko | $2,118 | +4% |
| Laurens | $1,891 | -7% |
| Elloree | $2,174 | +7% |
| Little Mountain | $2,035 | +0% |
| Mayesville | $2,259 | +11% |
| Norway | $2,244 | +10% |
| Pelion | $2,089 | +3% |
| Blackville | $2,161 | +6% |
| Edgefield | $2,023 | -0% |
| Blackstock | $2,236 | +10% |
| Chappells | $1,982 | -2% |
| Gadsden | $2,220 | +9% |
| Gaston | $2,180 | +7% |
| Gilbert | $1,997 | -2% |
| North | $2,205 | +8% |
| Cordova | $2,194 | +8% |
| Hopkins | $2,152 | +6% |
| Ehrhardt | $2,304 | +13% |
| Manning | $2,238 | +10% |
| Santee | $2,209 | +8% |
| Warrenville | $1,891 | -7% |
| Cayce | $1,997 | -2% |
| Davis Station | $2,355 | +15% |
| Eutawville | $2,255 | +10% |
| Liberty Hill | $2,188 | +7% |
| Olanta | $2,258 | +11% |
| Ridgeway | $2,247 | +10% |
| Cassatt | $2,097 | +3% |
| Dalzell | $2,173 | +7% |
| Horatio | $2,132 | +5% |
| Newberry | $1,954 | -4% |
| Rion | $2,485 | +20% |
| Boiling Springs | $1,949 | -4% |
| Arcadia | $2,000 | -2% |
| Glendale | $2,006 | -1% |
| Campobello | $1,945 | -4% |
| Converse | $2,012 | -1% |
| Pacolet | $1,999 | -2% |
| Westville | $2,141 | +5% |
| Bluffton | $1,903 | -6% |
| Crocketville | $2,640 | +26% |
| Yemassee | $2,340 | +14% |
| Summerton | $2,191 | +8% |
| Timmonsville | $2,214 | +9% |
| Vance | $2,221 | +9% |
| Drayton | $1,967 | -3% |
| Ward | $2,033 | +0% |
| Buffalo | $2,101 | +3% |
| Cross Hill | $1,925 | -5% |
| Shaw A F B | $2,128 | +5% |
| Swansea | $2,129 | +5% |
| Clinton | $1,924 | -5% |
| Cross Anchor | $2,007 | -1% |
| Montmorenci | $1,935 | -5% |
| Trenton | $2,018 | -1% |
| Sheldon | $1,997 | -2% |
| Mount Carmel | $1,960 | -4% |
| Williston | $2,123 | +4% |
| Dale | $2,340 | +14% |
| Islandton | $2,352 | +15% |
| Alcolu | $2,251 | +10% |
| Cameron | $2,226 | +9% |
| Elliott | $2,230 | +9% |
| Gable | $2,263 | +11% |
| Leesville | $1,973 | -3% |
| Prosperity | $1,989 | -2% |
| Sharon | $1,978 | -3% |
| Martin | $2,343 | +14% |
| Batesburg | $1,990 | -2% |
| Bishopville | $2,179 | +7% |
| Great Falls | $2,313 | +13% |
| Heath Springs | $2,195 | +8% |
| Lodge | $2,336 | +14% |
| Rembert | $2,138 | +5% |
| Ridge Spring | $2,012 | -1% |
| Chapin | $2,048 | +1% |
| Mc Bee | $2,072 | +2% |
| Monetta | $2,022 | -0% |
| Neeses | $2,227 | +9% |
| Peak | $2,280 | +12% |
| Pomaria | $2,075 | +2% |
| Saint Matthews | $2,203 | +8% |
| Olar | $2,184 | +7% |
| Plum Branch | $2,016 | -1% |
| Estill | $2,521 | +22% |
| Hardeeville | $2,062 | +1% |
| Windsor | $1,976 | -3% |
| Gifford | $2,433 | +18% |
| Miley | $2,628 | +26% |
| Iva | $2,015 | -1% |
| Salem | $1,789 | -13% |
| Taylors | $1,904 | -6% |
| Blacksburg | $2,039 | +0% |
| Catawba | $1,985 | -2% |
| Clover | $1,979 | -3% |
| Edgemoor | $2,135 | +5% |
| Richburg | $2,186 | +7% |
| Bath | $1,937 | -5% |
| Johnston | $2,002 | -1% |
| Modoc | $2,004 | -1% |
| Ladys Island | $1,912 | -6% |
| Okatie | $1,897 | -7% |
| Furman | $2,545 | +22% |
| Pineland | $2,419 | +17% |
| Holly Hill | $2,210 | +8% |
| Salley | $2,101 | +3% |
| Bowman | $2,226 | +9% |
| Denmark | $2,227 | +9% |
| Elgin | $2,067 | +2% |
| Irmo | $1,981 | -3% |
Average car insurance costs by age and gender in South Carolina
Age also plays a role in car insurance rates in SC, with younger, less experienced drivers paying the most. Drivers in their 50s and 60s pay the least per year, on average. Gender matters, too. Males tend to pay higher premiums than females due to their increased statistical likelihood of getting into an accident.
The table below shows the average costs for male and female drivers across a range of ages. Note that 16-year-old driver rates reflect adding a teen driver to their married parents’ policy since minors can’t enter into binding contracts.
|
|
|
|
|---|---|---|
|
Age 16*
|
Average annual full coverage premium in SC
$4,696
|
Average minimum coverage premium in SC
$1,623
|
|
Age 18
|
Average annual full coverage premium in SC
$6,408
|
Average minimum coverage premium in SC
$2,014
|
|
Age 20
|
Average annual full coverage premium in SC
$4,626
|
Average minimum coverage premium in SC
$1,414
|
|
Age 25
|
Average annual full coverage premium in SC
$2,660
|
Average minimum coverage premium in SC
$794
|
|
Age 30
|
Average annual full coverage premium in SC
$2,191
|
Average minimum coverage premium in SC
$666
|
|
Age 40
|
Average annual full coverage premium in SC
$2,061
|
Average minimum coverage premium in SC
$637
|
|
Age 50
|
Average annual full coverage premium in SC
$1,890
|
Average minimum coverage premium in SC
$610
|
|
Age 60
|
Average annual full coverage premium in SC
$1,835
|
Average minimum coverage premium in SC
$598
|
|
Age 70
|
Average annual full coverage premium in SC
$1,976
|
Average minimum coverage premium in SC
$683
|
|
|
|
|
|---|---|---|
|
Age 16*
|
Average annual full coverage premium in SC
$4,223
|
Average minimum coverage premium in SC
$1,504
|
|
Age 18
|
Average annual full coverage premium in SC
$5,446
|
Average minimum coverage premium in SC
$1,792
|
|
Age 20
|
Average annual full coverage premium in SC
$3,842
|
Average minimum coverage premium in SC
$1,254
|
|
Age 25
|
Average annual full coverage premium in SC
$2,421
|
Average minimum coverage premium in SC
$777
|
|
Age 30
|
Average annual full coverage premium in SC
$2,120
|
Average minimum coverage premium in SC
$671
|
|
Age 40
|
Average annual full coverage premium in SC
$2,001
|
Average minimum coverage premium in SC
$642
|
|
Age 50
|
Average annual full coverage premium in SC
$1,870
|
Average minimum coverage premium in SC
$614
|
|
Age 60
|
Average annual full coverage premium in SC
$1,798
|
Average minimum coverage premium in SC
$595
|
|
Age 70
|
Average annual full coverage premium in SC
$1,902
|
Average minimum coverage premium in SC
$659
|
Bankrate’s take: Insurance companies often consider gender when determining car insurance rates. Statistically, certain age groups — particularly younger male drivers — have higher incidences of speeding, accidents and DUIs, which insurers perceive as a heightened risk. These statistics can lead to men typically receiving higher quotes than women. However, as drivers age and their driving records start to outweigh gender-based trends, this gap in rates usually decreases.
Cost considerations for young drivers in South Carolina
If you’re under the age of 18, you’re not legally an adult and can’t buy your own car insurance in most cases. You’ll likely have to be added to your parents’ or guardians’ policy. Older teens and young adults can buy their own policy, but if they’re still members of their parents’ households, it usually makes more financial sense to stay on the family policy (if able). Doing so generally results in a cheaper car insurance premium than if the young driver were to buy their own coverage.
|
|
|
|---|---|
|
Age 16*
|
Avg. annual premium for drivers in SC
$4,459
|
|
Age 17
|
Avg. annual premium for drivers in SC
$4,003
|
|
Age 18
|
Avg. annual premium for drivers in SC
$3,667
|
|
Age 19
|
Avg. annual premium for drivers in SC
$3,253
|
|
Age 20
|
Avg. annual premium for drivers in SC
$3,045
|
|
|
|
|---|---|
|
Age 18
|
Avg. annual premium for drivers in SC
$5,927
|
|
Age 19
|
Avg. annual premium for drivers in SC
$4,659
|
|
Age 20
|
Avg. annual premium for drivers in SC
$4,234
|
| Age | Avg. annual premium difference for drivers on their own policy |
|---|---|
| Age 18 | 62 percent more |
| Age 19 | 43 percent more |
| Age 20 | 39 percent more |
*18- and 20-year-old are renters on their own policies with no discounts applied
How does driving record impact the cost of car insurance in South Carolina?
How much car insurance is in South Carolina can vary, especially for those with a less-than-perfect driving history. Your record has one of the biggest impacts on your car insurance premiums. A single speeding ticket could increase your full coverage rate by an average of 20 percent more in SC. A DUI conviction — one of the most severe infractions you can have — could nearly double your premium. Maintaining a clean driving record is one of the best ways to keep your rates steady over time.
The table here shows the average car insurance cost in South Carolina for several different types of driving incidents.
|
|
|
|
|---|---|---|
|
Clean driving record
|
Avg. annual premium* in SC
$2,031
|
Percentage increase from SC avg. annual premium*
0%
|
|
Avg. annual premium* in SC
$2,438
|
Percentage increase from SC avg. annual premium*
20%
|
|
|
Avg. annual premium* in SC
$2,916
|
Percentage increase from SC avg. annual premium*
44%
|
|
|
Avg. annual premium* in SC
$3,449
|
Percentage increase from SC avg. annual premium*
70%
|
Bankrate’s take: In South Carolina, an SR-22 is a certificate of financial responsibility that proves a driver carries the minimum required liability insurance. It is not an insurance policy itself but rather a form filed by your insurance company with the Department of Motor Vehicles (DMV) to confirm that you have the necessary coverage to drive legally in the state. It might be required if you have a DUI or other serious infraction or infractions on your driving record. Note that some insurers will not write policies for individuals with a DUI, and if this is the case for you, you will need to shop around for another insurer to cover you.
Car insurance rates in South Carolina by credit score
Like most states, South Carolina allows insurers to use your credit rating to help determine your car insurance premiums. Statistically, drivers with lower credit ratings tend to file more claims, which makes them a higher risk for insurers and results in higher premiums. For example, drivers with poor credit pay 104 percent more than drivers with good credit, while drivers with excellent credit pay 20 percent less.
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|---|---|---|
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Avg. annual premium* in SC
$4,153
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Percentage change from SC average annual premium*
104%
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Average
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Avg. annual premium* in SC
$2,248
|
Percentage change from SC average annual premium*
11%
|
|
Avg. annual premium* in SC
$2,031
|
Percentage change from SC average annual premium*
0%
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Excellent
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Avg. annual premium* in SC
$1,629
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Percentage change from SC average annual premium*
-20%
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South Carolina car insurance rates by vehicle type
Your vehicle make and model also has a large impact on your car insurance rates in South Carolina. Vehicles that cost less to repair or replace are less likely to get into accidents or have safety features that help mitigate the likelihood or severity of accidents may cost less to insure. On the other hand, vehicles that cost more to repair or replace generally have higher car insurance costs.
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|---|---|
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Avg. annual premium* in SC
$2,031
|
|
|
Avg. annual premium* in SC
$2,033
|
|
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Avg. annual premium* in SC
$1,845
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BMW 330i
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Avg. annual premium* in SC
$2,591
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Toyota Prius
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Avg. annual premium* in SC
$2,153
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Estimate your car insurance cost in South Carolina
Understanding the potential cost of car insurance in South Carolina can be challenging given the variety of influencing factors. To simplify this process, Bankrate offers a convenient calculator tool. By providing some fundamental details, you'll receive an estimated insurance premium. While it's not a precise quote, it can serve as a valuable reference to aid in your financial planning.
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How to save on car insurance in South Carolina
When shopping for car insurance in South Carolina, there are a few ways you may be able to save on costs. Finding affordable auto insurance rates may be harder if you have a ticket, accident or DUI on your record, but using these tips may help you get cheaper coverage:
- Do an annual review: If you have not reviewed your car insurance policy within the last year, you could be leaving valuable savings on the table. Review your policy with your insurance agent to make sure your coverage still fits your needs and budget.
- Get multiple quotes: If you do not want to change coverage but want more affordable car insurance rates, shopping around for quotes and switching carriers may be the way to go. Compare the same coverage types and limits to know which car insurance company offers the best rates for the coverage you need.
- Increase one or both of your deductibles: Full coverage car insurance has two deductibles: one for comprehensive and one for collision. The higher your deductibles are, the lower your car insurance rate will likely be — but that does not mean it is the best option for everyone. If you choose to go with a higher deductible, make sure you can pay the full amount out of pocket in case you have to file a claim.
- Know rates before you buy a car: One mistake people can make when purchasing a new (or new-to-them) car is focusing only on the monthly car loan payment and not factoring in the cost of car insurance. When shopping for cars, get quotes to compare different makes and models to determine what you can truly afford.
- Take advantage of discounts: Most car insurance discounts are stackable so the savings can really add up if you qualify for several. By bundling auto and home, allowing the insurance company to track your driving habits with a telematics program or paying your premium up front and in full, you may be able to reduce your car insurance rates.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze February 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500Other profiles
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.
