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How much is car insurance in Boiling Springs?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Boiling Springs are about $11 a month cheaper than in the rest of South Carolina.
That being said Boiling Springs residents will likely pay higher rates to insure their vehicle than in the rest of the country. It's about $12 more for coverage in Boiling Springs than in the rest of the U.S.
Bear in mind that while these are the average car insurance rates for Boiling Springs, you could end up paying something different. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've analyzed the average rate for Boiling Springs and broken down the different factors to help you understand what your monthly bill might look like. 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|
Generally, the older you are, the more experienced you are on the roads, right? That experience can really work in your favor when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay $80 more than someone who is at retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. That said, once you hit retirement age, your rates may creep back up in Boiling Springs.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. This is true in Boiling Springs, where women pay around $7 less per month. As you can see in the chart above, car insurance for women in the area typically costs around $89 each month, while men pay $96 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. In Boiling Springs, having a single accident on your record will usually get you rates around $144 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $96 on average.
Accidents, tickets, and other driving infractions can cost you some serious cash. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$132|
|15 Years or Older||$83|
If you look at the first table above, the cheapest vehicles to insure in Boiling Springs are usually SUVs and cars, at $92 per month.
SUV owners, on the other hand, by and large pay around $92 a month, while truck and van drivers can expect to pay about $94 per month for insurance coverage.
The age of your vehicle can also affect your monthly bill. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to drop back down once your car is close to 5 years old. In Boiling Springs, vehicles four-to-five years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$100|
Generally speaking, those who are currently married will pay slightly less for auto insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Boiling Springs is no exception, with the difference totaling to around $19 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$153|
Your living situation is another factor that affects your monthly rate. Renters can expect to pay around $16 a month more than homeowners in Boiling Springs. But if you live with your parents, your rates will be significantly higher.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average premiums.
Car Insurance Companies in Boiling Springs, SC
Recent trends in car insurance for Boiling Springs 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 Boiling Springs went up from 2017-2018, where they hit a high of $98, before steadying out in 2019. Car insurance rates had been increasing again in 2020, and finished down at $102 in 2022.
How does Boiling Springs compare to neighboring areas?
Why are car insurance rates in Boiling Springs 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 park your car. These include things like:
- Area laws
- Crime rates
- Off-street parking access
- Amount of drivers in the community
- Road Safety (how many accidents each locality has)
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. 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 Boiling Springs?
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.
Luckily, Compare.com can handle all of this for you. Just put in your ZIP below, answer a few questions on you and your vehicle, and you'll be quickly comparing the cheapest quotes from a number of the car insurance companies that offer auto coverage in Boiling Springs.
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Boiling Springs Insurance FAQs
What factors affect car insurance quotes in Boiling Springs?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your credit score, driving record, marital status, and address.
Why is the cost of car insurance in Boiling Springs different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, parking situations, and crime rates 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 Boiling Springs?
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 Boiling Springs?
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 Boiling Springs 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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