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How much is car insurance in Fort Mill?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that auto insurance rates in Fort Mill are in line with rates across the rest of South Carolina.
Compared to the national average cost of auto coverage, Fort Mill has higher rates. The cost of insuring a vehicle in Fort Mill is about $17 more expensive than the average rate for the rest of the U.S.
While these are the average monthly costs for auto insurance coverage in Fort Mill, you could end up paying something different. There are a number of factors that determine how much insurance companies might 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 the final dollar amount you'll be asked to pay each month.
We've analyzed the average rate for Fort Mill and broken down the different factors to help you understand what your policy's monthly premium will be. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!
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. That experience can really work in your favor 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.
For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement, however, you may see your rates rise again in Fort Mill.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. This is true in Fort Mill, where women pay around $24 less a month. Based on the chart above, you can see that male drivers pay $108 on average, while female drivers typically pay $84 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. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Fort Mill, drivers with one accident on their record will experience rates around $112 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $147.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$122|
|15 Years or Older||$94|
In terms of affordable coverage, the cheapest vehicles to insure in Fort Mill are usually trucks and vans, at $90 per month.
Car owners, on the other hand, by and large pay around $99 per month, while SUV drivers can expect to pay about $95 a month for auto insurance coverage.
In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to decrease if your car is a few years old. The most expensive vehicles to insure in Fort Mill are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$111|
On average, married policyholders will pay slightly less for car insurance. This can usually be attributed to their policies having multiple vehicles, a factor many companies extend special discounts for.
The cost of auto insurance in Fort Mill reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $32 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$152|
Your living accommodations is another factor that affects your monthly rate. If you rent your home or apartment in Fort Mill, expect to pay around $22 a month more than if you own your home. But those who live at home with their parents can expect to pay significantly more.
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 Fort Mill, SC
Recent trends in car insurance for Fort Mill drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an insurance provider.
In Fort Mill, auto insurance rates decreased from 2016-2017, but began to increase in 2018. This trend has continued through 2021 when rates have most recently reached $180 per month.
How does Fort Mill compare to neighboring areas?
Why are car insurance rates in Fort Mill different from other areas?
There are several factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. Your insurance policy will depend largely on where you live and drive and will be influenced by things such as:
- Off-street parking access
- Area laws
- Total number of drivers in the community
- General road safety (how many accidents each locality has)
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 Fort Mill?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Don't worry, Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from numerous car insurance companies offering plans in Fort Mill.
Fort Mill Insurance FAQs
What factors affect car insurance quotes in Fort Mill?
Car insurance companies calculate quotes based on a wide array of factors. These include things 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 Fort Mill different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Fort Mill?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Fort Mill?
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?
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 Fort Mill or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?