Table of contents
How much is car insurance in Clover?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in Clover is about $4 cheaper than it is in the rest of South Carolina.
That being said drivers in Clover may pay higher rates than the rest of the country. It's about $15 more expensive than the national average to insure your vehicle in Clover.
These rates may be the average amount Clover drivers pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. 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 policy payment.
Don't sweat it however, we've broken down average rates for Clover residents so that you can get a more accurate idea of what you might pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The longer you've been on the road, the more experienced of a driver you are. That experience can lead to some serious savings when it comes to car insurance premiums. In this case, 18-24-year-olds pay two times the price that someone who is at retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Clover drivers may see their rates creep back up once they hit retirement.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. This is true in Clover, where male drivers pay about $16 more a month. As you can see in the table above, male drivers in the area typically pay $105 on average, while female drivers typically pay $89 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Those with clean records will obviously pay significantly less than those with infractions. In Clover, drivers with one accident on their record will experience rates around $123 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $225.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$146|
|15 Years or Older||$92|
If you look at the first table above, you'll see that trucks and vans are usually the cheapest vehicles to insure in Clover, with drivers paying around $83 per month for auto insurance.
Car owners, on the other hand, by and large pay around $101 per month, while SUV drivers can expect to pay about $88 a month to insure their vehicle.
Vehicle age has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Clover, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$105|
On average, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Clover is no exception, with the difference totaling to around $20 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$123|
Your living situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $29 a month more than those who own their own home in Clover. But if you live with your parents, your rates will be significantly higher.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Clover, SC
Recent trends in car insurance for Clover 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.
The rates for auto insurance in Clover dropped from 2016-2019, before leveling out in 2020. They finished down in 2021, at $108 per month
How does Clover compare to neighboring areas?
Why are car insurance rates in Clover different from other areas?
There are numerous factors car insurance companies take into consideration when deciding how much to charge for a monthly rate. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live. These include things like:
- Regional crime rates
- Off-street parking access
- Number of drivers in the community
- Road Safety (total number of local car accidents)
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. With the knowledge 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 Clover?
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.
But hold on! Compare.com can handle all of this for you. Just punch in your ZIP Code below, answer a few questions on you and your vehicle, and you'll be quickly comparing the cheapest quotes from several of the car insurance companies offering plans in Clover.
Clover Insurance FAQs
What factors affect car insurance quotes in Clover?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Clover different from other neighboring cities?
Crime rates, parking situations, and local laws -- 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 Clover?
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 Clover?
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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Clover or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.