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How much is car insurance in Fountain Inn?
|Area||Average Monthly Car Insurance Premium|
The cost of coverage in Fountain Inn is about $15 a month cheaper than it is for the rest of South Carolina.
On the flip side, Fountain Inn residents will likely pay higher rates for their insurance policy than the rest of the country. The average monthly payment in Fountain Inn is about $8 more expensive than the rate for the rest of the U.S.
While these numbers represent the average monthly payments for coverage in Fountain Inn, that doesn't mean it's what you'll pay. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. 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.
We've analyzed the average rate for Fountain Inn and broken down the different factors to help you understand what exactly you might be asked to pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. When it comes to auto insurance rates, that experience pays off. According to the table above, you can see that 18-24-year-olds pay $55 more than drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Fountain Inn drivers may see their rates begin to increase again once they hit retirement.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. While male drivers actually pay a bit less than female drivers on their monthly insurance rates, the difference in Fountain Inn is only about $3 a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Fountain Inn, a driving record with a single accident will usually get you a rate around $131 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $116 on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$75|
|15 Years or Older||$89|
According to the first table above, the cheapest vehicles to insure in Fountain Inn are by and large trucks and vans, at $83 per month.
SUV drivers will see rates of about $92 for car insurance, while car owners typically pay around $89 per month.
Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. Once your car is close to 5 years old, however, you may see your bill start to shrink a bit. In Fountain Inn, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$96|
Generally speaking, those who are currently married will pay slightly less to insure their vehicle. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies extend special discounts for.
At a national level, single drivers usually pay more than married couples do for auto insurance. Fountain Inn follows that pattern, with the difference totaling to around $22 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$126|
One other element taken into consideration is your housing situation. Homeowners in Fountain Inn can expect to pay around $18 a month less than those who rent. But if you live with your parents, you can expect to pay a lot 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 Fountain Inn, SC
Recent trends in car insurance for Fountain Inn drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.
In Fountain Inn, auto insurance rates had been increasing from 2017-2018, when they reached a low of $81. This leveled out in 2019, when insurance rates began to increase. They hit a high of $95 in 2020, and finished up in 2022, at $93 a month.
How does Fountain Inn compare to neighboring areas?
Why are car insurance rates in Fountain Inn different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate several factors. Many factors affecting your policy are based around where you live. These factors include things like:
- Community regulations
- Amount of drivers in the area
- Road Safety (total number of local car accidents)
- Off-street parking accessibility
- Regional crime rates
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Fountain Inn?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
But hold on! Compare.com will handle the heavy lifting for you. Just punch in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies providing coverage in Fountain Inn.
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Fountain Inn Insurance FAQs
What factors affect car insurance quotes in Fountain Inn?
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 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 Fountain Inn different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, crime rates, and local laws when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Fountain Inn?
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 Fountain Inn?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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 time, regardless of how long is left on your current policy. So, if you've recently moved to Fountain Inn or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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