Table of contents
How much is car insurance in Aiken?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the average cost of auto insurance in South Carolina is about $9 a month more expensive than it is in Aiken.
On the other hand, Aiken residents should prepare to pay higher rates for coverage than the rest of the country. It's about $10 more for coverage in Aiken than in the rest of the U.S.
Bear in mind that while these rates represent the expected monthly payments for drivers in Aiken, it doesn't mean that's what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.
Don't sweat it however, we've broken down average rates for Aiken residents so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
More time behind the wheel makes you a more experienced driver. When it comes to car insurance rates, that experience can really pay off. As you can see, 18-24-year-olds pay $49 more than drivers of retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. As you get closer to retirement, however, you may see your rates begin to increase again in Aiken.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. In Aiken, the difference is around $7 a month. As illustrated in the table above, female drivers in the area pay about $87 on average, while male drivers pay around $94 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. A clean driving record will obviously get you a lower rate than one with accidents or infractions. Drivers in Aiken with a single accident will pay around $116 a month. In addition, drivers with one ticket can expect to pay around $104 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$86|
|15 Years or Older||$86|
As you can see in the first table above, the cheapest vehicles to insure in Aiken are by and large trucks and vans, which run about $88 per month.
Car owners, on the other hand, usually pay around $90 per month, while SUV drivers can expect to pay about $92 a month for insurance coverage.
In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. In Aiken, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$95|
On average, people who are married will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
According to the table above, the difference in rates based on relationship status in Aiken can be as much as $15 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$106|
Your living accommodations is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $14 a month more than if you own your own home in Aiken. But if you live with your parents, you can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Aiken, SC
Recent trends in car insurance for Aiken drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before picking an insurance policy.
Car insurance rates in Aiken dropped from 2016-2017, but began to increase in 2020. This trend has continued through 2021 when rates have most recently reached $110.
How does Aiken compare to neighboring areas?
Why are car insurance rates in Aiken different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a lot of factors. While we've discussed the ones that affect your personal policy, others are based around where you call home. These include things like:
- Road safety
- Off-street parking accessibility
- Total amount of drivers in the community
- Local regulations
- Regional crime rates
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.
How can I find the cheapest car insurance in Aiken?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Luckily, Compare.com has you covered. Just put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering policies in Aiken in no time.
Aiken Insurance FAQs
What factors affect car insurance quotes in Aiken?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your address, driving record, credit score, and marital status.
Why is the cost of car insurance in Aiken different from other neighboring cities?
Things like parking situations, local laws, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Aiken?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Aiken?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Aiken or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.