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How much is car insurance in Gaffney?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see it's around $9 a month cheaper to insure your vehicle in Gaffney than it is in the rest of South Carolina.
Conversely, drivers in Gaffney may pay higher rates than the rest of the country. The cost of insuring a vehicle in Gaffney is about $15 more expensive than the average rate for the rest of the U.S.
While these are the average costs to insure your vehicle in Gaffney, keep in mind that you could end up paying a different amount. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car 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 the bill you'll see each month.
We've broken down average rates for Gaffney to help you understand what your policy's monthly premium will cost. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
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Gaffney 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. It also makes sense that the more experienced of a driver you are, the safer you are. In this case, 18-24-year-olds pay twice as much as someone who is at retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Having said that, once you approach retirement age your rates may creep back up in Gaffney.
Gaffney Car Insurance Rates by Gender
Despite the national trend of women paying less than men to insure their vehicle, in Gaffney men actually pay $92 per month for coverage while women pay $96.
Gaffney Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. Drivers in Gaffney with a single accident on their record will usually see rates around $134 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $112.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Gaffney Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$62|
|15 Years or Older||$92|
In Gaffney, the cheapest vehicles to insure are typically trucks and vans, with drivers paying around $84 per month to insure their vehicle.
SUV drivers will see rates of about $91 for car insurance coverage, while car owners by and large pay around $99 per month.
In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. The most expensive vehicles to insure in Gaffney are vehicles six-to-seven years old.
Gaffney Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$100|
Overall, those who are currently married will pay slightly less for insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor many companies offer special discounts for.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Gaffney is no exception, with the difference totaling to around $21 a month.
Gaffney Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$108|
Another factor taken into consideration is your living situation. In Gaffney, homeowners can expect to pay around $13 a month less than those who rent. 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 car insurance costs.
Car Insurance Companies in Gaffney, SC
Recent trends in car insurance for Gaffney 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 Gaffney, the rates for car insurance had been increasing from 2017-2018, before steadying out in 2019. Rates began rising again in 2020, and finished down in 2022, at $110 a month.
How does Gaffney compare to neighboring areas?
Why are car insurance rates in Gaffney different from other areas?
There are numerous factors car insurance companies take into consideration when deciding how much to charge for coverage. While we mentioned the factors that affect your personal policy, others are based around where you live and drive. These include things like:
- Road Safety (frequency of local car accidents)
- Total amount of drivers in the area
- Off-street parking access
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Realizing 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 corner of the world.
How can I find the cheapest car insurance in Gaffney?
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.
Fortunately, Compare.com can handle all of this for you. Just put in your ZIP below, answer a few questions on you and your vehicle, and you'll be quickly comparing the cheapest quotes from loads of the car insurance companies providing plans in Gaffney.
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Gaffney Auto Insurance FAQs
What factors affect car insurance quotes in Gaffney?
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 vehicle's make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Gaffney different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, parking situations, 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 Gaffney?
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 Gaffney?
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. 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 Gaffney or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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