Table of contents
How much is car insurance in Chesnee?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see it's around $9 a month cheaper to insure your vehicle in Chesnee than it is in the rest of South Carolina.
On the other hand, Chesnee residents will likely pay higher rates for their insurance policy than the rest of the country. The cost of insuring a vehicle in Chesnee is about $10 more expensive than the average rate for the rest of the U.S.
Although these are the average monthly costs for an auto insurance policy in Chesnee, that doesn't mean it's exactly what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.
We've done the heavy lifting for you and broken down the average rate for Chesnee 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, simply enter your ZIP Code below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the more experience you have as a driver. When it comes to car insurance bills, that experience pays off. As you can see, 18-24-year-olds pay significantly more than someone who is retirement aged.
For every 10 years, you can expect to see a drop in your monthly premium. You may see your rates rise again once you hit retirement age in Chesnee.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for insurance coverage, this is not the case in Chesnee, where female drivers pay around $92 per month while male drivers pay about $88.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay much less than those with multiple infractions, while those with clean driving records will obviously pay the least. In Chesnee, a driving record with a single accident will usually get you a rate around $130 a month. In addition, drivers with one ticket can expect to pay around $108 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||Not Enough Data|
|15 Years or Older||$81|
As you can see in the first table above, the cheapest vehicles to insure in Chesnee are usually cars, which run about $87 per month.
Truck and van drivers will see rates of about $106, while the rates for SUV owners average out to about $93 per month.
Vehicle age has an impact on the cost of your policy as well. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to drop back down once your car is about 5 years old. The most expensive vehicles to insure in Chesnee are vehicles six-to-seven years old and four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$98|
More often than not, married policyholders will pay slightly less for auto insurance coverage. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Chesnee as well, where the difference is around $20 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$92|
One other element taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $11 a month more than homeowners in Chesnee. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Chesnee, SC
Recent trends in car insurance for Chesnee 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.
The cost of car insurance in Chesnee went up from 2016-2018, before steadying out in 2019. Car insurance rates finished down in 2021, at $69 a month
How does Chesnee compare to neighboring areas?
Why are car insurance rates in Chesnee different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate several factors. The specifics of where you live and drive will have an impact on your personal policy. This might include things like:
- General road safety (how many accidents each locality has)
- Amount of drivers in the region
- Prevalence of crime
- Off-street parking access
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 Chesnee?
Equipping 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 hold on! Compare.com does all of that work for you. Enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies that offer auto coverage in Chesnee.
Chesnee Insurance FAQs
What factors affect car insurance quotes in Chesnee?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, 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 Chesnee different from other neighboring cities?
Parking situations, local laws, and crime rates -- 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 Chesnee?
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 Chesnee?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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 Chesnee or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?