Table of contents
How much is car insurance in Camden?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in Camden is about $6 cheaper than it is in the rest of South Carolina.
Compared to the national average cost of auto coverage, Camden has higher rates. It's around $13 more expensive for coverage in Camden than the average rates seen in the rest of the U.S.
Keep in mind that while these are the average car insurance rates for Camden, it isn't guaranteed that it's what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you to get auto 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 premium.
We've done the heavy lifting for you and broken down the average rate for Camden so that you can get a more accurate idea of what your policy will cost you. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that the older you are, the more experience you have driving, right? When it comes to your monthly premium, that experience can really pay off. As you can see, 18-24-year-olds pay two times the price that someone who is retirement aged.
As you get older, you can expect to see a drop in your monthly premium every 10 years. That said, once you hit retirement age, your rates may creep back up a bit in Camden.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance, this is not the case in Camden, where female drivers pay around $16 more per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Those with clean records will obviously pay a lot less than those with infractions. In Camden, a driving record with one accident will usually get you a rate around $104 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $118.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$64|
|15 Years or Older||$99|
According to the first table above, the cheapest vehicles to insure in Camden are usually cars, at $85 per month.
SUV owners can expect to pay an average of around $118 a month for their policy, while truck and van drivers are usually around $99 to insure each month.
Your rates can also vary depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is around 5 years old. In Camden, the most expensive vehicles to insure are vehicles four-to-five 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 can usually be attributed to their policies having multiple vehicles, a factor many companies offer special discounts for.
In Camden, the difference in rates based on relationship status can be as much as $21 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$87|
Your housing situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $2 a month more than those who own their own home in Camden. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
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 car insurance premiums.
Car Insurance Companies in Camden, SC
Recent trends in car insurance for Camden 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 picking an insurance policy.
The cost of car insurance in Camden declined from 2016-2017, but began to rise in 2020. This pattern has continued through 2021 when rates have most recently hit $206.
How does Camden compare to neighboring areas?
Why are car insurance rates in Camden different from other areas?
Car insurance companies look at several factors when they're figuring out how much to charge for a policy. Your insurance policy will depend largely on your home address and will be influenced by things such as:
- Local crime rates
- Total amount of drivers in the area
- Access to off-street parking
- Road Safety (frequency of car accidents)
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 Camden?
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.
But hold on! Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer plans in Camden.
Camden Insurance FAQs
What factors affect car insurance quotes in Camden?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Camden different from other neighboring cities?
Crime rates, local laws, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Camden?
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 Camden?
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?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Camden or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.