Table of contents
How much is car insurance in Beaufort?
|Area||Average Monthly Car Insurance Premium|
Coverage for your vehicle in Beaufort will typically run you about $10 a month more than in the rest of South Carolina.
Similarly, the expected monthly payments for an auto insurance policy in Beaufort are above the national average. It's around $29 more expensive for coverage in Beaufort than the average rates seen in the rest of the U.S.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining the bill you'll see each month.
Don't worry, we've done the work for you and broken down average rates for Beaufort to help you get a more accurate idea of what you'll be charged for your policy. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are the more experienced you are behind the wheel, right? That experience can lead to some serious savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay $120 more than someone who is retirement aged.
For every 10 years, you can expect to see a drop in your monthly premium. That said, once you hit retirement, your rates may begin to increase again in Beaufort.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. The difference in Beaufort is about $18 a month. As you can see in the table above, male drivers in the area typically pay $119 on average, while female drivers typically pay $101 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. The rate for drivers in Beaufort with a single accident on their record is about $111 a month. In addition, drivers with a single ticket on their record can expect to pay around $118 a month on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$166|
|15 Years or Older||$101|
According to the first table above, the cheapest vehicles to insure in Beaufort are typically trucks and vans, at $74 per month.
Car owners will see a monthly bill of about $117, while SUV owners by and large pay around $99 per month.
Your vehicle's age also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to decrease if your car is about 5 years old. In Beaufort, 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)||$116|
Generally speaking, married policyholders will pay slightly less to insure their vehicle. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
In Beaufort, the difference in rates based on relationship status can be as much as $24 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$97|
Another factor taken into consideration is your living situation. In Beaufort, homeowners can expect to pay around $23 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Beaufort, SC
Recent trends in car insurance for Beaufort 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 shopping for coverage.
In Beaufort, auto insurance rates increased steadily from 2016-2020. They finished down in 2021, at $129.
How does Beaufort compare to neighboring areas?
Why are car insurance rates in Beaufort different from other areas?
When considering how much to charge for coverage, car insurance companies will review a variety of factors. Where you live will also have a significant impact on your personal policy. This may include things like:
- Area regulations
- Amount of drivers
- Area crime rates
- Frequency of car accidents
- Off-street parking access
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. 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 Beaufort?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Luckily, Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering auto coverage in Beaufort.
Beaufort Insurance FAQs
What factors affect car insurance quotes in Beaufort?
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 credit score, driving record, address, and marital status.
Why is the cost of car insurance in Beaufort different from other neighboring cities?
Things like local laws, crime rates, and parking situations, 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 Beaufort?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Beaufort?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Beaufort or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.