Table of contents
How much is car insurance in Boiling Springs?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that it's about $10 a month cheaper to insure your vehicle in Boiling Springs than it is in the rest of South Carolina.
If you're considering relocating to Boiling Springs from out of state, you may want to budget a little extra for your insurance. The average monthly payment for the rest of the U.S. is about is about $9 cheaper than it is in Boiling Springs.
Although these are the average car insurance rates in Boiling Springs, you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you for your 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 your monthly payment amount.
We've analyzed the average rate for Boiling Springs and broken down the different factors to help you understand what your policy's monthly premium will be. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
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 on the roads, right? That experience can really work in your favor when factored into your car insurance rates. According to the table above, you can see that 18-24-year-olds pay $83 more than drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Boiling Springs drivers may see their rates start to rise again once they hit retirement.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. This is true in Boiling Springs, where women pay around $6 less a month. As illustrated in the table above, male drivers in the area pay about $92 on average, while female drivers pay around $86 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions. The rate for drivers in Boiling Springs with a single accident on their record is about $138 a month. Likewise, drivers with one ticket will be looking at a rate of around $125 a month on average.
Accidents, tickets, and other driving infractions can really hurt your wallet. 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||$133|
|15 Years or Older||$79|
The most affordable vehicles to insure in Boiling Springs are usually trucks and vans, which run about $73 per month.
SUV drivers will see rates of about $97, while the rates for car owners average out to about $86 per month.
In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is around 5 years old, you can expect to see your rates start dropping back down. In Boiling Springs, the most expensive vehicles to insure are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$99|
On average, those who are currently married will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
According to the table above, the difference in rates based on relationship status in Boiling Springs can be as much as $31 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$151|
One other element taken into consideration is your housing situation. Those who own their own home in Boiling Springs can expect to pay around $18 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Boiling Springs, SC
Recent trends in car insurance for Boiling Springs 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.
The rates for car insurance in Boiling Springs dropped from 2016-2017, but began to increase in 2020. This trend has continued through 2021 when rates have most recently reached $177.
How does Boiling Springs compare to neighboring areas?
Why are car insurance rates in Boiling Springs different from other areas?
When considering how much to charge for coverage, car insurance companies will review a lot of factors. While we already talked about the ones that affect your personal policy, others are based around where you park your car. These include things like:
- Number of car accidents
- Regional crime rates
- Off-street parking accessibility
- Number of drivers in the area
- Local laws
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Boiling Springs?
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 will handle the heavy lifting for you. Enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering plans in Boiling Springs.
Boiling Springs Insurance FAQs
What factors affect car insurance quotes in Boiling Springs?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Boiling Springs 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 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 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?
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?
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 Boiling Springs or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?