Table of contents
How much is car insurance in Camden?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Camden typically costs about $6 a month less than it does in the rest of South Carolina.
On the flip side, Camden residents should prepare to pay higher rates for coverage than the rest of the country. Coverage in Camden is about $17 more expensive than it is for the rest of the U.S.
While these are the average car insurance rates for Camden, keep in mind that you could end up paying a different amount. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
But don't worry, we've broken down the average rate for Camden residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||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 auto insurance premiums. According to the table above, you can see that 18-24-year-olds pay two times the price that someone who is at retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement age, however, you may see your rates creep back up in Camden.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for insurance coverage, this is not the case in Camden, where female drivers pay around $102 per month while male drivers pay about $88.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Drivers with clean records will pay lower rates than those with accidents or violations. Drivers in Camden with one accident will pay around $110 a month. In addition, drivers with a single ticket on their record can expect to pay around $120 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$116|
|15 Years or Older||$100|
According to the first table above, cars are typically the cheapest vehicles to insure in Camden, with drivers paying around $89 per month for auto insurance.
Truck and van drivers will see rates of about $90 for car insurance, while SUV owners by and large pay around $122 per month.
Vehicle age can also affect your monthly bill. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old, however, your monthly bill may start to dip back down. In Camden, 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)||$104|
Overall, those who are currently married will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Camden is no exception, with the difference totaling to around $27 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$91|
Another factor that comes into play is your living situation. Those who own their own home in Camden can expect to pay around $7 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Camden, SC
Recent trends in car insurance for Camden drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
In Camden, the rates for auto insurance increased from 2020-2021, before steadying out in 2022. Rates finished down in 2022, at $101 a month
How does Camden compare to neighboring areas?
Why are car insurance rates in Camden different from other areas?
Car insurance companies will take into account a variety of factors when choosing how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around your home address. These include things like:
- Availability of off-street parking
- Total amount of drivers in the area
- Local regulations
- Frequency of car accidents
- Rate of crime
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Knowing 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 particular neighborhood.
How can I find the cheapest car insurance in Camden?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
But wait! Compare.com can handle all of this for you. Just put in your ZIP below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from numerous car insurance companies that offer coverage in Camden.
Camden Insurance FAQs
What factors affect car insurance quotes in Camden?
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 driving record, credit score, address, and marital status.
Why is the cost of car insurance in Camden different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, crime rates, and parking situations when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Camden?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Camden?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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.