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How much is car insurance in Fountain Inn?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the South Carolina, coverage in Fountain Inn is about $11 a month cheaper.
Conversely, Fountain Inn residents should prepare to pay higher rates for coverage than the rest of the country. It's about $8 more expensive than the national average to insure your vehicle in Fountain Inn.
While these are the average monthly costs for auto insurance coverage in Fountain Inn, you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. 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 the bill you'll see each month.
But don't worry, we've broken down the average rates for Fountain Inn residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!
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 on the roads, right? That experience can lead to some serious savings when it comes to auto insurance bills. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement age, however, you may see your rates begin to go back up in Fountain Inn.
Average Car Insurance Rates by Gender
Although female drivers pay, on average, less than male drivers for insurance coverage, Fountain Inn actually bucks this trend. While female drivers pay $91 per month for auto insurance, males only pay about $84.
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. Drivers with clean records will pay lower rates than those with accidents or violations. In Fountain Inn, having a single accident on your record will usually get you rates around $135 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $151.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$75|
|15 Years or Older||$89|
In Fountain Inn, the cheapest vehicles to insure are by and large trucks and vans, with drivers paying around $71 per month for insurance coverage.
Car owners will see a monthly premium of about $89, while SUV owners typically pay around $94 a month.
The age of your vehicle has an impact on the cost of your policy as well. Newer vehicles are generally going to be the most expensive to insure. Once your car is close to 5 years old, however, you may see your rates begin to drop back down. The most expensive vehicles to insure in Fountain Inn are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$95|
Generally, people who are married will pay slightly less for car insurance coverage. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Fountain Inn is no exception, with the difference totaling to around $19 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$126|
Another factor that comes into play is your living situation. If you rent your home or apartment, expect to pay around $18 a month more than if you own your own home in Fountain Inn. Those who live with their parents, however, can expect to pay a lot 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 Fountain Inn, SC
Recent trends in car insurance for Fountain Inn drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
In Fountain Inn, car insurance rates declined from 2016-2018, but started to rise from 2019-2020, when they hit a high of $95. Policy premiums finished down in 2021, at $68 per month.
How does Fountain Inn compare to neighboring areas?
Why are car insurance rates in Fountain Inn different from other areas?
There are several factors car insurance companies take into consideration when deciding how much to charge for coverage. While we've discussed the ones that affect your personal policy, others are based around your home address. These include things like:
- Regional regulations
- Total number of drivers in the area
- Access to off-street parking
- Crime levels
- Road Safety (total number of local car accidents)
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. 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 to request a quote from a car insurance company.
Don't worry, Compare.com will handle the heavy lifting for you. Just enter your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering coverage in Fountain Inn.
Fountain Inn Insurance FAQs
What factors affect car insurance quotes in Fountain Inn?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Fountain Inn different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Fountain Inn?
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 Fountain Inn?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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 Fountain Inn 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.