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How much is car insurance in Anderson?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Anderson typically costs about $14 a month less than it does in the rest of South Carolina.
The average cost of insuring your vehicle in Anderson is above the national rate. It's about $9 more expensive for coverage in Anderson than the average rates for the U.S. as a whole.
Keep in mind that these are the average auto insurance rates for Anderson, and that the rate you get could end up being something different. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've analyzed the average rate for Anderson and broken down the different factors to help you understand what your policy's monthly premium will be. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The longer you've been on the road, the more experienced of a driver you are. When it comes to auto insurance premiums, that experience pays off. In this case, 18-24-year-olds pay significantly more than someone who is at retirement age.
You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement age, however, your rates may begin to go back up in Anderson.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. The price for auto insurance in Anderson, however, is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Anderson, having a single accident on your record will usually get you rates around $118 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $119.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$103|
|15 Years or Older||$87|
According to the first table above, trucks and vans are by and large the cheapest vehicles to insure in Anderson, with drivers paying around $72 per month for auto insurance coverage.
SUV drivers will see rates of about $87, while the rates for car owners average out to about $95 per month.
Vehicle age can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Anderson, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$96|
Generally speaking, people who are married will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Anderson, with married couples paying about $25 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$112|
One other element taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $10 a month more than homeowners in Anderson. But if you live with your parents, your rates will be significantly higher.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance costs.
Car Insurance Companies in Anderson, SC
Recent trends in car insurance for Anderson drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance policy.
In Anderson, the rates for auto insurance had been increasing from 2017-2018, before steadying out in 2019. Policy premiums began rising again in 2020, and finished down in 2022, at $107 a month.
How does Anderson compare to neighboring areas?
Why are car insurance rates in Anderson different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider several factors. The price of your insurance policy will depend largely on your home address and will be influenced by things such as:
- Number of drivers in the area
- Road Safety (frequency of local car accidents)
- Local crime rates
- Availability of off-street parking
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Anderson?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Fortunately, Compare.com has you covered. Enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies providing policies in Anderson in no time.
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Anderson Insurance FAQs
What factors affect car insurance quotes in Anderson?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Anderson different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, crime rates, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Anderson?
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 by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Anderson?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Anderson or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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