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How much is car insurance in Fort Mill?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, car insurance rates in Fort Mill are slightly less expensive than the rest of South Carolina.
On the other hand, the expected monthly payments for an auto insurance policy in Fort Mill are above the national average. The average monthly payment for the rest of the U.S. is about is about $21 cheaper than it is in Fort Mill.
Although these are the average car insurance rates in Fort Mill, 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 insure your vehicle. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't sweat it however, we've broken down average rates for Fort Mill residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are the more experienced you are behind the wheel, right? That experience can turn into some real savings when it comes to auto insurance rates. In this case, 18-24-year-olds pay $110 more than someone who is at retirement age.
You can expect to see your monthly premium drop every 10 years or so. Drivers in Fort Mill may see their rates start to rise again once they hit retirement age.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. In Fort Mill, the difference comes out to about $17 per month. As you can see in the table above, male drivers in the area typically pay $110 on average, while female drivers typically pay $93 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Drivers with clean records will pay lower rates than those with accidents or violations. Drivers in Fort Mill with a single accident on their record will usually see rates around $128 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $126.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$106|
|15 Years or Older||$102|
In terms of affordable coverage, the cheapest vehicles to insure in Fort Mill are by and large SUVs, at $99 per month.
Cars, trucks, and vans, however, usually cost about $103 to insure their vehicle.
Vehicle age also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to decrease if your car is close to 5 years old. In Fort Mill, vehicles four-to-five years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$116|
More often than not, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something many companies award special discounts for.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Fort Mill is no exception, with the difference totaling to around $37 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$161|
Another factor taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $26 a month more than drivers who own property in Fort Mill. But those who live at home with their parents can expect to pay significantly more.
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 Fort Mill, SC
Recent trends in car insurance for Fort Mill drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.
The cost of car insurance in Fort Mill had been increasing consistently from 2017-2021. It finished down in 2022, at $124.
How does Fort Mill compare to neighboring areas?
Why are car insurance rates in Fort Mill different from other areas?
When considering how much to charge for coverage, car insurance companies will review a lot of factors. Where you live will also have a significant impact on your personal policy. This may include things like:
- Road Safety (total number of local car accidents)
- Regional regulations
- Crime rates
- Off-street parking access
- Number of drivers in the region
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. 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?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Don't worry, Compare.com does all of that work for you. Put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering policies in Fort Mill.
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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 you can't control like your gender and age but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Fort Mill different from other neighboring cities?
Things like crime rates, local laws, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Fort Mill?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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 Fort Mill 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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