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How much is car insurance in Conway?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies across the rest of South Carolina are about $6 a month cheaper than the rates drivers pay in Conway.
Similarly, Conway residents will likely pay higher rates to insure their vehicle than in the rest of the country. You can expect to pay about $29 more for your policy in Conway.
Although these are the average car insurance rates in Conway, you could end up paying something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
But don't worry, we've broken down the average rate for Conway residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experienced you are on the roads. That experience can snag you some serious savings when it comes to auto insurance. In this case, 18-24-year-olds pay two times as much as someone who is at retirement age.
You can expect to see your monthly premium drop every 10 years or so. Drivers in Conway may see their rates creep back up once they hit retirement.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. In Conway, the difference comes out to about $9 a month. Based on the chart above, you can see that male drivers pay $115 on average, while female drivers typically pay $106 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Those with fewer accidents and tickets will pay much less than those with multiple infractions. Drivers in Conway with a single accident will pay around $129 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $140.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$182|
|15 Years or Older||$106|
In Conway, the cheapest vehicles to insure are usually SUVs, trucks, and vans, with drivers paying around $102 per month to insure their vehicle.
The bill for car owners, on the other hand, is closer to $116 per month.
You may also see different rates based 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 a few years old. The most expensive vehicles to insure in Conway are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$118|
On average, people who are married will pay slightly less for car insurance. This can usually be attributed to their policies having multiple vehicles, a factor many companies offer special discounts for.
The difference in rates based on relationship status in Conway can be as much as $33 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||$136|
Your living situation is another component of how insurance companies calculate your monthly rate. In Conway, homeowners can expect to pay around $8 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average premiums.
Car Insurance Companies in Conway, SC
Recent trends in car insurance for Conway drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.
In Conway, car insurance rates increased from 2017-2018 -- where they reached a high of $98 -- before leveling out in 2019. Car insurance rates rose again in 2020, and finished down at $128 in 2022.
How does Conway compare to neighboring areas?
Why are car insurance rates in Conway different from other areas?
There are a number of factors car insurance companies take into consideration when figuring out how much to charge for coverage. Many factors affecting your policy are based around your home address. These factors include things like:
- Community regulations
- Road safety
- Total number of drivers in the community
- Off-street parking accessibility
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Conway?
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.
Fortunately, Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from the many car insurance companies offering coverage in Conway.
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Conway Insurance FAQs
What factors affect car insurance quotes in Conway?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your address, credit score, driving record, and marital status.
Why is the cost of car insurance in Conway different from other neighboring cities?
Local laws, crime rates, 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 Conway?
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 by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Conway?
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. 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 Conway 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?
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