How Much are Car Insurance Quotes for Drivers Under 21 in South Carolina?

How Much are Car Insurance Quotes for Drivers Under 21 in South Carolina?

Cost and performance of the vehicle you are buying coverage for is probably the biggest factor when shopping around for cheap car insurance for drivers under 21 in South Carolina. Vehicles with lower acceleration and performance, advanced safety features, or a track record of few liability claims will cost less to insure than higher performance models.

The information below showcases insurance premiums for a number of the most affordable automobiles to buy insurance for.

Insurance Rates for Popular Cars in South Carolina
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu LS $2,798 $1,399 $233
Ford Focus SES 2-Dr Coupe $3,178 $1,589 $265
Ford Fusion S 4-Dr Sedan $2,798 $1,399 $233
Honda Civic EX 2-Dr Coupe $3,542 $1,771 $295
Hyundai Elantra SE Touring Station Wagon $2,550 $1,275 $213
Hyundai Sonata GLS 4-Dr Sedan $3,012 $1,506 $251
Kia Optima SX $3,206 $1,603 $267
Nissan Altima Hybrid 4-Dr Sedan $2,992 $1,496 $249
Toyota Camry XLE $2,964 $1,482 $247
Toyota Corolla S $2,964 $1,482 $247
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Cost estimates assume single female driver age 19, no speeding tickets, no at-fault accidents, $1000 deductibles, and South Carolina minimum liability limits. Discounts applied include safe-driver, and claim-free. Prices do not factor in specific South Carolina garaging location which can revise auto insurance rates noticeably.

Car Insurance Rates for Popular SUVs and Crossovers in South Carolina
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Acura MDX Advance/Entertainment 4WD $3,020 $1,510 $252
Acura RDX Technology Package 2WD $2,744 $1,372 $229
BMW X5 3.5D AWD $3,216 $1,608 $268
Chevrolet Traverse LT 2WD $2,412 $1,206 $201
Ford Escape XLS 4WD $2,356 $1,178 $196
Ford Expedition Eddie Bauer 4WD $2,744 $1,372 $229
Ford Explorer Limited AWD $2,826 $1,413 $236
GMC Acadia SLT 2WD $2,798 $1,399 $233
Honda CR-V EX-L 2WD $2,384 $1,192 $199
Honda Pilot Touring 4WD $2,826 $1,413 $236
Jeep Grand Cherokee Limited 4WD $2,992 $1,496 $249
Jeep Patriot Sport 2WD $2,604 $1,302 $217
Lexus RX 350 4WD $3,400 $1,700 $283
Toyota Highlander Hybrid Limited 4WD $3,020 $1,510 $252
Toyota RAV4 Limited 4WD $2,798 $1,399 $233
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Data based on single female driver age 19, no speeding tickets, no at-fault accidents, $1000 deductibles, and South Carolina minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate quotes do not factor in specific zip code location which can decrease or increase insurance rates greatly.

Car Insurance Rates for Popular Pickup Trucks in South Carolina
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Silverado 3500HD LT Crew Cab 4WD $3,598 $1,799 $300
Chevrolet Silverado LS Regular Cab 4WD $2,604 $1,302 $217
Dodge Ram 2500 Crew Cab SLT 2WD $3,400 $1,700 $283
Dodge Ram Quad Cab ST 4WD $3,040 $1,520 $253
Ford F-150 XL Crew Cab 4WD $2,660 $1,330 $222
Ford F-250 XL Harley Turbo Diesel 2WD $3,400 $1,700 $283
GMC Canyon SLE Crew Cab Z71 2WD $2,798 $1,399 $233
GMC Sierra 3500HD SLT Extended Cab 2WD $3,020 $1,510 $252
GMC Sierra SLT Crew Cab 2WD $2,992 $1,496 $249
Toyota Tundra Limited Crew MAX 4WD $3,234 $1,617 $270
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Price data assumes single female driver age 19, no speeding tickets, no at-fault accidents, $1000 deductibles, and South Carolina minimum liability limits. Discounts applied include safe-driver, and claim-free. Rates do not factor in specific location which can revise prices noticeably.

Comparing rates for budget auto insurance is hard enough, and determining which company quotes the cheapest car insurance rates for drivers under 21 requires additional perseverance. Insurance prices will most likely be quite a bit greater than the average rate in South Carolina due to the potentially higher risk that goes along with selling insurance for minors, but competitive coverage should be available with some perseverence. Every auto insurer has their own formula for determining rates in each state, so we’ll take a look at the car insurance companies with the overall best prices in South Carolina.

It’s important that you understand South Carolina car insurance rates are impacted by many things which can substantially decrease or increase the cost of a policy. This is why it is crucial to compare as many rates as possible when trying to get the cheapest auto insurance rates for drivers under 21. Insurance rates are calculated by many risk factors and change frequently, so the most economical company when you last compared rates may now cost much more than other companies.

Lowest Insurance Price Quotes for Minors

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Cheapest South Carolina auto insurance companies
Rank Company Cost Per Year
1 The Hartford $745
2 USAA $995
3 State Auto $1,105
4 Auto-Owners $1,107
5 SC Farm Bureau Mutual $1,260
6 Southern Farm Bureau $1,286
7 Travelers $1,356
8 State Farm $1,366
9 National Grange Mutual $1,375
10 Progressive $1,611
11 Allstate $1,621
12 Encompass $1,691
13 Nationwide $1,760
14 Safe Auto $1,965
15 GEICO $2,041
16 Bristol West $2,395
17 Liberty Mutual $2,489
18 Safeco $2,744
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The Hartford normally has some of the cheapest car insurance rates in South Carolina at around $745 per year. USAA, State Auto, Auto-Owners, and SC Farm Bureau Mutual would also make the list of some of the most economical South Carolina insurance companies.

As the example above demonstrates, if you currently have a policy with State Auto and switched to The Hartford, you may see a yearly price reduction of in the vicinity of $360. Drivers with Auto-Owners may save as much as $362 a year, and SC Farm Bureau Mutual customers might lower prices by $515 a year.

If you would like to find cheap car insurance for drivers under 21 in South Carolina, click here or visit any of the companies below.

Understand that those estimates are averaged across all drivers and vehicles in South Carolina and are not factoring in a rate increase for drivers under 21. So the car insurance company that fits you best may not even be shown in the list of companies shown earlier. That emphasizes why you need to quote rates from many companies using your own individual information.

For minors, one of the big considerations that control a rate quote is the neighborhood you call home in South Carolina. Areas that are more densely populated like North Charleston, Charleston, and Summerville are more likely to pay higher prices, whereas areas with less people or fewer weather incidents receive better rates.

The illustration below rates the higher priced cities in South Carolina for drivers under 21 in which to buy car insurance.

Most expensive South Carolina cities for auto insurance
Rank City Average Per Year
1 North Charleston $1,301
2 Goose Creek $1,296
3 Charleston $1,273
4 Florence $1,272
5 Summerville $1,252
6 Columbia $1,213
7 Myrtle Beach $1,210
8 Sumter $1,202
9 Socastee $1,199
10 Mount Pleasant $1,189
11 Saint Andrews $1,184
12 Greenwood $1,143
13 North Augusta $1,139
14 Hilton Head Island $1,139
15 Rock Hill $1,135
16 Anderson $1,127
17 Greenville $1,100
18 Aiken $1,097
19 Greer $1,087
20 Taylors $1,085
21 Spartanburg $1,083
22 Wade Hampton $1,058
23 Mauldin $1,029
24 Easley $1,024
25 Simpsonville $1,019
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Information shown are estimated as the vehicle garaging location can modify auto insurance rates significantly.

Discount South Carolina car insurance rates

<img class="floatright" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/auto-insurance-drivers-under-21-sc.jpg" alt="Cheaper South Carolina car insurance for minors”/>Auto insurance companies that sell cheap car insurance for drivers under 21 in South Carolina may also offer policy discounts that could lower prices by 40% or more if you meet the requirements. Larger car insurance companies and some of their more popular discounts include:

Car Insurance Discounts Available by Company
Discount Allstate Geico State Farm Progressive Farmers
Multiple policies Yes Yes Yes Yes Yes
Multi-vehicle No Yes Yes Yes Yes
Theft prevention Yes Yes Yes Yes Yes
Anti-lock brakes Yes Yes Yes No No
Air bags Yes Yes Yes No Yes
Running lights No Yes Yes No Yes
Newer vehicle Yes No Yes No Yes
Eco-friendly vehicle Yes No No No Yes
No accidents Yes Yes Yes Yes Yes
Defensive driver Yes Yes Yes Yes Yes
Low miles Yes No Yes Yes No
Armed forces No Yes Yes Yes Yes
Employment No Yes No No Yes
Pay in full Yes Yes No Yes Yes
Automatic payment Yes Yes No Yes Yes
Loyalty No No Yes Yes Yes
Sign early Yes No No No Yes
Smart student Yes Yes Yes Yes Yes
Student away from home Yes No Yes Yes Yes
Homeowner No No No Yes Yes
Seat belt use No Yes No No No
Quote online No No No Yes No
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The diagram below shows the comparison of insurance rates with and without discounts applied to the policy rates. The data assumes a male driver, no tickets, no at-fault accidents, South Carolina state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with passive restraint, defensive driving course, multiple vehicle, vehicle safety, accident-free, and anti-theft discounts applied. When discounts are factored in, the the amount saved on car insurance for drivers under 21 is 13% or $152.

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Insuring your vehicle with a good quality insurance provider can be a challenge considering how many choices drivers have in South Carolina. The information in the lists below can help you decide which companies you want to consider when insurance shopping for drivers under 21.

These ratings are only comprised of companies with a national presence, so companies with more of a regional focus are not included in these rankings. If you’d like to compare prices from these top insurers and more, click this link.

Top 10 Large Car Insurance Companies 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 Large Car Insurance Companies Overall in South Carolina

  1. Travelers
  2. USAA
  3. AAA Insurance
  4. Nationwide
  5. Allstate
  6. State Farm
  7. The Hartford
  8. Safeco Insurance
  9. Progressive
  10. American Family

Who has the cheapest insurance quotes for minors?

Drivers have a lot of different ways to compare cheaper car insurance rates in South Carolina, but the most frequently used methods are using a captive (or exclusive) agency like Auto-Owners or State Farm, an independent agent, or direct from companies such as Geico or Progressive. Each way has the same basic process, but car insurance buyers need to understand the differences in how they function.

Independent insurance agencies write for multiple companies and can compare rates with all of them. They do not sell for just one brand and can provide you with more rate quotes, which can help you get more bang for your buck. If your agent finds better pricing, it’s easy for the agent to move the policy and you won’t have to switch agencies.

An exclusive agent is only able to give rates for just one company, two examples are Liberty Mutual and Allstate agents. These agents are unable to provide prices from multiple companies, so always compare other rates.

If you want to buy car insurance direct, you bypass a local insurance agent and instead buy buying direct from a company like Esurance or Progressive. This car insurance option may be a decent choice families who do not have complex finances and know more than average about what coverages they need.

What is the best way to find cheap car insurance for drivers under 21 in South Carolina? It would be simple to say shopping direct results in the best prices because there are no middleman commissions, but unfortunately, it’s not that cut and dried. It could also be said buying car insurance from an independent agent guarantees the best prices since they have more companies to choose from, but again, it’s not a sure thing. And occasionally, the exclusive agents may have very competitive prices that are the lowest in South Carolina.

Because there is so much variation in car insurance prices, the only true way to ensure you are not overpaying is to get as many comparison quotes as possible. To cover all the bases, get prices from all three to give yourself the best selection. For a list of companies with some of the cheapest South Carolina car insurance rates, click here to view.