Table of contents
How much is car insurance in Clover?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the South Carolina, coverage in Clover is about $7 a month cheaper.
On the flip side, drivers in Clover may pay higher rates than the rest of the country. The cost of auto coverage in Clover is about $16 more expensive than the national average.
Bear in mind that while these rates represent the expected monthly payments for drivers in Clover, it doesn't mean that's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.
We've broken down average rates for Clover to help you understand what your policy's monthly premium will cost. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
More time behind the wheel makes you a more experienced driver. When it comes to car insurance bills, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay twice as much as drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. That said, once you hit retirement, your rates may begin to increase again in Clover.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. In Clover, the difference is around $12 a month. Based on the chart above, you can see that male drivers pay $104 on average, while female drivers typically pay $92 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Clover, a driving record with one accident will usually get you a rate around $123 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $178 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$133|
|15 Years or Older||$96|
If you look at the first table above, the cheapest vehicles to insure in Clover are usually trucks and vans, at $86 per month.
Car owners can expect to pay an average of around $104 a month for their policy, while SUVs usually cost around $88 a month to insure.
Your vehicle's 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, once your car is a few years old, you might start to see your rates slide back down slightly. 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)||$106|
Generally speaking, those who are currently married will pay slightly less for car insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
The difference in rates based on relationship status in Clover can be as much as $22 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$120|
Your housing situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $27 a month more than homeowners in Clover. But if you live with your parents, your rates will be significantly higher.
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 Clover, SC
Recent trends in car insurance for Clover 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 rates for auto insurance in Clover dropped from 2017-2019, before leveling out in 2020. They finished up in 2022, at $108 per month
How does Clover compare to neighboring areas?
Why are car insurance rates in Clover different from other areas?
Car insurance companies will consider several factors when trying to decide 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:
- Off-street parking access
- General road safety (how many accidents each locality has)
- Area regulations
- Amount of drivers in the community
- Regional crime rates
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Clover?
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.
Don't worry, Compare.com will handle the heavy lifting for you. Just type in 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 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 driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Clover different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, parking situations, and crime rates -- which can vary from city to city -- can significantly affect your rate.
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 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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Clover or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?