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How much is car insurance in Bluffton?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that the average monthly price in Bluffton is in line with pricing for the rest of South Carolina.
Conversely, Bluffton residents should prepare to pay higher rates for coverage than the rest of the country. The cost of insuring a vehicle in Bluffton is about $20 more expensive than the average rate for the rest of the U.S.
Although these are the average rates for auto insurance in Bluffton, that doesn't mean it's exactly what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've done the heavy lifting for you and broken down the average rate for Bluffton so that you can get a more accurate idea of what your monthly bill might be. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving, right? When it comes to car insurance premiums, that experience can really pay off. As you can see, 18-24-year-olds pay two times the price that drivers of retirement age.
You can expect to see your monthly premium drop about once a decade or so. As you get closer to retirement, however, you may see your rates start to rise again in Bluffton.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. The difference in Bluffton is around $18 a month. As illustrated in the table above, female drivers in the area pay about $92 on average, while male drivers pay around $110 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Bluffton, having a single accident on your record will usually get you rates around $106 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $110.
Accidents, tickets, and other driving infractions can cost you some serious cash. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$117|
|15 Years or Older||$87|
According to the first table above, the cheapest vehicles to insure in Bluffton are usually SUVs, trucks, and vans, at $90 per month.
On the other hand, car owners, can expect to pay about $110 per month for auto insurance.
Depending on the age of your vehicle, you can also expect to see slightly different rates. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to decrease if your car is about 5 years old. In Bluffton, 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)||$111|
Generally, those who have settled down into marriage will pay slightly less to insure their vehicle. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.
The difference in rates based on relationship status in Bluffton is about $17 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$174|
Another factor that comes into play is your living situation. If you rent your home or apartment, expect to pay around $27 a month more than homeowners in Bluffton. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Bluffton, SC
Recent trends in car insurance for Bluffton drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
Auto insurance rates in Bluffton decreased from 2017-2019, before increasing from 2020-2021. They finished down in 2022 at $106.
How does Bluffton compare to neighboring areas?
Why are car insurance rates in Bluffton different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by where you call home. These include things like:
- Access to off-street parking
- Road Safety (how many accidents each locality has)
- Number of drivers
- Local laws
- Crime levels
Having an awareness of these factors is critical 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 Bluffton?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Fortunately, Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies offering policies in Bluffton.
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Bluffton Insurance FAQs
What factors affect car insurance quotes in Bluffton?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Bluffton 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 Bluffton?
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 Bluffton?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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 time, regardless of how long is left on your current policy. So, if you've recently moved to Bluffton or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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