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How much is car insurance in Beaufort?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies across the rest of South Carolina are about $6 a month cheaper than the rates drivers pay in Beaufort.
Similarly, Beaufort residents will likely pay higher rates for their insurance policy than the rest of the country. The average monthly payment in Beaufort is about $29 more expensive than the rate for the rest of the U.S.
Bear in mind that while these are the average car insurance rates for Beaufort, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.
But don't worry, we've broken down the average rate for Beaufort residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. That experience can lead to some serious savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay two times as much as drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. That said, once you hit retirement, your rates may creep back up in Beaufort.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. The difference in average rates in Beaufort totals about $15 a month. As illustrated in the table above, female drivers in the area pay about $103 on average, while male drivers pay around $118 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers with clean records can expect to pay a lot less than those with accidents or violations. In Beaufort, a driving record with one accident will usually get you a rate around $109 a month. In addition, drivers with one ticket can expect to pay around $153 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$157|
|15 Years or Older||$104|
The cheapest vehicles to insure in Beaufort are typically trucks and vans, with each type typically costing about $77 per month.
SUV drivers will see rates of about $101, while the rates for car owners average out to about $120 per month.
In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. Once your car is close to 5 years old, however, your monthly bill may start to dip back down. In Beaufort, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$116|
More often than not, married policyholders will pay slightly less for auto insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Beaufort is no exception, with the difference totaling to around $22 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$97|
Your housing status is another factor that affects your monthly rate. In Beaufort, homeowners can expect to pay around $24 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
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
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding on where to shop.
In Beaufort, car insurance rates went up from 2017-2020, before leveling out in 2021. Rates finished down in 2022, at $117 a month
How does Beaufort compare to neighboring areas?
Why are car insurance rates in Beaufort different from other areas?
Car insurance companies take in a lot of factors when choosing how much individual insurance policies will cost. While we already mentioned the ones that affect your personal policy, others are influenced by where you live. These include things like:
- Road Safety (total number of local car accidents)
- Off-street parking access
- Total drivers
- Crime levels
- Community regulations
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Beaufort?
While getting familiar with 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.
But hold on! Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies providing auto coverage in Beaufort.
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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, address, marital status and driving record.
Why is the cost of car insurance in Beaufort different from other neighboring cities?
Things like crime rates, local laws, 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?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Beaufort?
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?
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.
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