How Much Does Auto Insurance Cost for Seniors in South Carolina?

Comparing quotes for cheap auto insurance is not easy, and figuring out which company offers the most affordable auto insurance rates for seniors involves a little more work. Coverage rates will more than likely be a little bit cheaper than the average policy in South Carolina due to the reduced risk related to selling coverage for senior citizens. Budget-friendly insurance should be possible from many preferred companies.
Every car insurance company has a proprietary formula for determining rates, so let’s take a look at the lowest cost auto insurance companies in South Carolina.

It’s important to know that South Carolina auto insurance rates are determined by lots of factors that may substantially change the policy price. Improving your credit score, becoming a homeowner, or having a fender bender can trigger rate changes resulting in some companies being affordable when they were higher priced.

Best Cheap Insurance Rates for Mature Drivers

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The Hartford may offer some of the cheapest car insurance rates in South Carolina at around $745 a year. USAA, State Auto, Auto-Owners, and Southern Farm Bureau are also some of the best South Carolina auto insurance companies.

In the above example, if you currently buy coverage from USAA and switched to The Hartford, you might achieve an annual savings of around $280. Drivers with State Auto might save as much as $349 a year, and Auto-Owners insureds might reduce rates by $408 a year.

These prices are averaged for all drivers and vehicles in South Carolina and are not factoring in a rate discount for seniors. So the auto insurance company that has the cheapest price for you may not even be in the chart above. That underscores the importance of why you need to get car insurance quotes using your own driver and vehicle profiles.

Everyone has different tastes in autos, and the style of vehicle needing coverage is probably the largest consideration when shopping around for low-cost coverage for seniors. Vehicles with high performance engines, a lack of advanced safety features, or a high likelihood of having liability claims will cost more to insure than more modest models.

The tables below presents auto insurance prices for a handful of the more afforable vehicles to buy coverage for.

Data rating is based on married female driver age 60, no speeding tickets, no at-fault accidents, $1000 deductibles, and South Carolina minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Price estimates do not factor in specific location which can modify premiums substantially.

Table data represents married female driver age 60, no speeding tickets, no at-fault accidents, $1000 deductibles, and South Carolina minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Rates do not factor in specific location which can revise auto insurance rates significantly.

Data based on married female driver age 60, no speeding tickets, no at-fault accidents, $1000 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Information does not factor in specific location information which can impact prices considerably.

When shopping for the cheapest insurance for senior citizens, one of the many considerations that is used to help calculate the price of your policy is your address in South Carolina. Cities that have higher claim levels or more people like North Charleston, Florence, and Sumter tend to have higher auto insurance costs, whereas areas with lower crime rates and fewer weather claims have the luxury of lower rates.

The information below shows the most expensive cities in South Carolina for seniors to purchase car insurance in.

Premium amounts are estimated as vehicle location can decrease or increase coverage prices considerably.

Cheapest car insurance: Geico, State Farm, Allstate, or Progressive

When comparing auto insurance for senior citizens in South Carolina, four companies to definitely compare rates with are Geico, State Farm, Allstate, and Progressive. Combined they insure almost 50% of the car insurance market in the United States. They all offer your standard coverages, but each one has a slightly different set of options and discounts that shoppers can choose from. The table below compares and contrasts some of the different options that are available.