Best Cheap Car Insurance Quotes for Teenage Males in South Carolina

Best Cheap Car Insurance Quotes for Teenage Males in South Carolina

Finding out which insurers offer the cheapest insurance rates for teenage males will require more time than just picking a company at random. Each insurer has their own formula to set their prices, so let’s look at the rankings for the most competitive insurance companies in South Carolina.

It’s a good idea to be aware that South Carolina insurance rates are calculated based on many things that may substantially change the price you pay. Simply turning a year older, having a teen driver, or getting a DUI can cause premium changes resulting in some companies being cheaper than others.

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Cheapest auto insurance in South Carolina ranked by cost per year
Rank Company Cost Per Year
1 The Hartford $768
2 USAA $985
3 Auto-Owners $1,107
4 State Auto $1,127
5 SC Farm Bureau Mutual $1,248
6 Southern Farm Bureau $1,248
7 National Grange Mutual $1,321
8 Travelers $1,356
9 State Farm $1,422
10 Allstate $1,589
11 Progressive $1,611
12 Encompass $1,657
13 Nationwide $1,778
14 Safe Auto $1,907
15 GEICO $2,061
16 Bristol West $2,493
17 Liberty Mutual $2,513
18 Safeco $2,744
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The Hartford offers some of the lowest car insurance rates in South Carolina at around $768 annually. USAA, Auto-Owners, State Auto, and SC Farm Bureau Mutual would also be considered some of the more affordable South Carolina car insurance companies.

As the rates illustrate above, if you are insured with Auto-Owners and switched to The Hartford, you could realize annual savings of approxmiately $339. Customers with State Auto may save as much as $359 a year, and SC Farm Bureau Mutual customers might cut rates by $480 a year.

It’s important to note that these premium estimates are averages across all drivers and vehicles and do not take into consideration a price surcharge for teenage males. So the company that has the lowest price for you may not even be featured in the list of companies shown earlier. That points out the importance of why you need to get rate quotes using your own individual information.

Cost and performance of the vehicle you are seeking coverage for is a large factor that determines if you can find economical insurance for teenage males. Vehicles with lots of speed or power, poor passenger safety features, or an increased likelihood of liability claims will cost quite a bit more to insure than safer, lower-performance models. The lists below estimates auto insurance premiums for a handful of the cheapest vehicles to insure.

Car Insurance Rates for Popular Cars in South Carolina
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu Hybrid $4,268 $2,134 $356
Ford Focus SE 2-Dr Coupe $4,850 $2,425 $404
Ford Fusion SEL AWD 4-Dr Sedan $4,900 $2,450 $408
Honda Accord LX-S 2-Dr Coupe $4,850 $2,425 $404
Honda Civic DX 2-Dr Coupe $5,090 $2,545 $424
Kia Optima SX $4,894 $2,447 $408
Toyota Camry SE $4,540 $2,270 $378
Toyota Corolla LE $4,540 $2,270 $378
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Table data represents single male driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and South Carolina minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate quotes do not factor in vehicle garaging location which can change price quotes significantly.

Car Insurance Rates for Popular SUVs and Crossovers in South Carolina
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
BMW X5 M AWD $5,580 $2,790 $465
Chevrolet Suburban LS 2WD $4,312 $2,156 $359
Chevrolet Traverse LTZ 2WD $3,950 $1,975 $329
Ford Escape XLS 4WD $3,590 $1,795 $299
Ford Explorer XLT 4WD $3,998 $1,999 $333
GMC Acadia SLT AWD $4,312 $2,156 $359
Honda CR-V EX 4WD $3,636 $1,818 $303
Honda Pilot EX-L 2WD $4,312 $2,156 $359
Jeep Grand Cherokee Limited 4WD $4,584 $2,292 $382
Jeep Patriot Sport 2WD $3,952 $1,976 $329
Jeep Wrangler Unlimited Sahara 2WD 4-Dr $4,322 $2,161 $360
Subaru Forester X Limited Edition W/Navigation AWD $4,266 $2,133 $356
Toyota Highlander 2WD $3,998 $1,999 $333
Toyota RAV4 Sport 2WD $4,268 $2,134 $356
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Data assumes single male driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and South Carolina minimum liability limits. Discounts applied include claim-free, and safe-driver. Rates do not factor in the specific area where the vehicle is garaged which can influence premium rates substantially.

Insurance Rates for Popular Pickup Trucks in South Carolina
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Silverado 2500HD LT Crew Cab Diesel 2WD $5,210 $2,605 $434
Chevrolet Silverado 3500HD LTZ Crew Cab Diesel 2WD $4,946 $2,473 $412
Chevrolet Silverado LT Regular Cab 2WD $4,578 $2,289 $382
Dodge Ram Quad Cab Laramie 2WD $4,938 $2,469 $412
Ford F-150 XLT Super Cab 2WD $3,998 $1,999 $333
Ford F-250 King Ranch Crew Cab 4WD $5,224 $2,612 $435
GMC Canyon SLT Ext Cab 4WD $4,312 $2,156 $359
GMC Sierra 3500HD SLT Crew Cab 4WD $5,496 $2,748 $458
GMC Sierra SL Crew Cab 4WD $4,584 $2,292 $382
Toyota Tundra Regular Cab 2WD $4,262 $2,131 $355
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Price data assumes single male driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and South Carolina minimum liability limits. Discounts applied include safe-driver, and claim-free. Information does not factor in South Carolina location which can increase or decrease premiums noticeably.

When shopping for cheaper auto insurance for teen boys, one of the many criteria that aid in calculating insurance cost is where your car is garaged. Regions with more people or even just more weather-related claims like Goose Creek, North Charleston, and Summerville are more likely to have higher rates, whereas areas that tend to be more rural benefit from lower prices.

The next table ranks the highest-priced places in South Carolina for teenage males to purchase a policy in.

Car insurance prices in South Carolina
Rank City Annual Rate
1 Goose Creek $1,296
2 Florence $1,272
3 North Charleston $1,262
4 Sumter $1,252
5 Summerville $1,252
6 Charleston $1,247
7 Socastee $1,199
8 Columbia $1,189
9 Mount Pleasant $1,189
10 Myrtle Beach $1,186
11 Saint Andrews $1,184
12 Rock Hill $1,135
13 Aiken $1,130
14 Hilton Head Island $1,127
15 Anderson $1,116
16 Spartanburg $1,116
17 Greenville $1,100
18 Greenwood $1,099
19 North Augusta $1,095
20 Taylors $1,095
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Rate information is comparative as the garaging address in South Carolina can increase or decrease coverage rates considerably.

The diagram below demonstrates how deductible levels can raise or lower insurance premiums when researching cheap insurance for teenage males. The costs are based on a single female driver, comprehensive and collision coverage, and no discounts are applied.

In the chart above, a 50-year-old driver could cut expenses by $376 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $568 by choosing a $1,000 deductible. Even younger insureds, like the age 20 example, could drop their prices up to $962 or more just by choosing higher deductibles when buying full coverage. When insureds make the decision to increase the deductibles on their policy, it will be important to have enough savings set aside to pay the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.

How accidents and violations affect rates in South Carolina

In a perfect world, the ideal way to score the best insurance prices in South Carolina for teen boys is to drive cautiously and have a clean driving record. The diagram below demonstrates how speeding tickets and at-fault accidents raise car insurance costs for different insured age categories. The premiums assume a single female driver, full physical damage coverage, $1,000 deductibles, and no discounts are taken into consideration.

In the prior example, the average cost of auto insurance in South Carolina per year with no accidents or violations is $1,480. Get two speeding tickets and the average cost surges to $1,974, an increase of $494 each year. Now throw in two accidents along with the two speeding tickets and the annual cost of insurance for teenage males increases to an average of $3,955. That’s an increase of $2,476, or $206 per month, just for not being more responsible behind the wheel!

How to get the best cheap car insurance for teenage males in South Carolina

It is possible to find better rates, and here are many thrifty ideas that can help you find the cheapest car insurance.

  • Avoid price increases by not filing claims
  • Having at-fault accidents will increase rates
  • You will pay more if you get tickets or have at-fault accidents
  • Safer vehicles cost less to insure
  • Do not pay for comprehensive and collision coverage on older vehicles
  • Buying car and homeowners insurance together can save money
  • Keep rates low by shopping around frequently

The last item on the list is incredibly valuable, as was discussed in the prior information. Coverage prices fluctuate constantly, so drivers shouldn’t be resistant to switch to a new company if a lower-cost policy is available. Many drivers have brand loyalty and that’s fine, but it’s not a good idea if that loyalty results in overpaying thousands of dollars over the life of your policy. Now is a great time to compare rates to find cheaper insurance for teenage males.