Table of contents
How much is car insurance in Cowpens?
|Area||Average Monthly Car Insurance Premium|
As you can see, car insurance policies across the rest of South Carolina are about $28 a month cheaper than the rates drivers pay in Cowpens.
Compared to the national average cost of auto coverage, Cowpens has higher rates. You can expect to pay about $51 more for your policy in Cowpens.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. The monthly rate that insurance companies end up charging you is determined by a variety of factors. 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 payment amount.
Don't worry, we've done the work for you and broken down the average rates for Cowpens to help you understand what your monthly premium might be. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
More time behind the wheel makes you a more experienced driver. When it comes to car insurance premiums, that experience can really pay off. In this case, 18-24-year-olds pay a lot more than 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, your rates may begin to go back up in Cowpens.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. The difference in average rates in Cowpens totals about $87 per month. As illustrated in the table above, male drivers in the area pay about $177 on average, while female drivers pay around $90 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Cowpens, having a single accident on your record will usually get you rates around $113 a month. In addition, drivers with one ticket can expect to pay around $99 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$76|
|15 Years or Older||$154|
The most affordable vehicles to insure in Cowpens are typically trucks and vans, which run about $86 per month.
Car owners will see a monthly bill of about $160, while SUV owners by and large pay around $97 a month.
Vehicle age can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. In Cowpens, vehicles fifteen years and older are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$149|
Generally speaking, people who are married will pay slightly less to insure their vehicle. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Cowpens is no exception, with the difference totaling to around $67 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$103|
One other element taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $85 less than drivers who own property in Cowpens. 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 average costs, depending on your insurance company.
Car Insurance Companies in Cowpens, SC
Recent trends in car insurance for Cowpens drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding on where to shop.
In Cowpens, auto insurance rates have been mixed over the past few years. They fell in 2017, rose in 2019, and declined again in 2021, before finishing at $99 in 2022.
How does Cowpens compare to neighboring areas?
Why are car insurance rates in Cowpens different from other areas?
Car insurance companies will take into account several factors when choosing how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by your home address. These include things like:
- Road Safety (frequency of local car accidents)
- Access to off-street parking
- Total amount of drivers in the area
- Community regulations
- Area crime rates
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. 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 Cowpens?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Fortunately, Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from numerous car insurance companies offering policies in Cowpens.
Cowpens Insurance FAQs
What factors affect car insurance quotes in Cowpens?
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 year, make and model, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Cowpens different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Cowpens?
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 Cowpens?
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, 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 Cowpens 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.