Who Has Cheap Car Insurance for Teachers in South Carolina?

Our editors have a joke that when writing about car insurance, the words cheap or affordable really should not be used as a descriptor for auto insurance rates. It’s a simple fact that cheap auto insurance for teachers can be difficult to find. We’ll try to make it up to you, because there may be ways you can still find and buy insurance that most people can afford.

Establishing which company quotes the best car insurance rates for teachers will take a bit more work than just comparing a company or two. Every insurance company has a proprietary formula to set premium rates, so let’s look at the rankings for the car insurance companies that tend to have lower prices in South Carolina.

It’s important that you understand South Carolina car insurance rates are calculated based on many things that may substantially change the cost of a policy. Turning one year older, moving to a new city, or getting a ticket for running a stop sign can trigger price changes resulting in some companies being more affordable than the competition.

Best Cheap Insurance Rates for Educators

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The Hartford may have some of the lowest car insurance rates in South Carolina at around $768 annually. USAA, State Auto, Auto-Owners, and Southern Farm Bureau also rank well as some of the most economical South Carolina auto insurance companies.

As shown above, if you are a policyholder with USAA and switched to The Hartford, you could earn annual savings of in the vicinity of $247. Insureds with State Auto could save as much as $326 a year, and Auto-Owners policyholders might realize rate reductions of up to $373 a year.

If you would like to find cheap auto insurance for teachers in South Carolina, click here to start a quote or click several companies below for low rates.

Understand that those estimates are averaged across all drivers and vehicles in South Carolina and and are not calculated with a price decrease for teachers. So the insurer that has the cheapest price for you may not even be shown in the rate chart shown above. That illustrates why you need to get auto insurance quotes using your own personalized driver profile and vehicle information.

When shopping for auto insurance for teachers and educators, one of the many considerations used to determine the policy price is where you keep your vehicle. Areas with more people or higher crime rates like North Charleston, Goose Creek, and Socastee tend to have more expensive car insurance rates, whereas areas with less congestion have the benefit of cheap auto insurance for teachers in South Carolina.

The following table displays the priciest cities in South Carolina for teachers to purchase car insurance in.

Information shown are comparative as specific South Carolina zip code can change prices noticeably.

The car, truck, or SUV needing coverage is one of the largest factors when looking for cheap auto insurance for teachers in South Carolina. Vehicles with high performance features, poor safety features, or an increased likelihood of liability claims will cost substantially more to insure than more modest models.

The table below estimates auto insurance rates for the most affordable automobiles to insure in South Carolina.

Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and South Carolina minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Premium costs do not factor in the specific area where the vehicle is garaged which can alter rates considerably.

Looking at the data, vehicles like the Ford Escape, Honda Accord, Subaru Forester, and Dodge Grand Caravan will definitely be a few of the most budget-friendly vehicles to insure for teachers and educators.

Types of discounts on South Carolina insurance

Insurance providers that sell cheap auto insurance for teachers in South Carolina may also offer discounts that could lower prices by 40% or more if you qualify. Popular car insurance companies and a partial list of their discounts are shown below.

The diagram below compares insurance premiums with and without discounts. The data is based on a male driver, a clean driving record, no at-fault accidents, South Carolina state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with defensive driving course, multiple policy, multiple vehicle, anti-theft, safe-driver, and marriage discounts applied. With discounts applied, the average savings per year on car insurance for teachers is % or $.

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