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How much is car insurance in Gaffney?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the average cost of auto insurance in South Carolina is about $12 a month more expensive than it is in Gaffney.
The average cost of insuring your vehicle in Gaffney is above the national rate. It's about $7 more expensive for coverage in Gaffney than the average rates for the U.S. as a whole.
While these numbers are the average rates for auto insurance in Gaffney, that doesn't mean it's what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. 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 policy payment.
We've done the heavy lifting for you and broken down the average rate for Gaffney so that you can get a more accurate idea of what your policy will cost you. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
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 lead to some serious savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay two times the price that drivers of retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. That said, once you hit retirement, your rates may creep back up in Gaffney.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. The price to insure your car in Gaffney, however, is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Those with fewer accidents and tickets will pay less than those with multiple infractions, while those with clean driving records will obviously pay the least. In Gaffney, a driving record with one accident will usually get you a rate around $126 a month. In addition, drivers with one ticket can expect to pay around $149 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$62|
|15 Years or Older||$86|
According to the first table above, the cheapest vehicles to insure in Gaffney are typically trucks and vans, at $73 per month.
SUV drivers will see rates of about $91, while the rates for car owners average out to about $88 a month.
You can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, once your car is about 5 years old, you may start to see your monthly premium drop back down. In Gaffney, 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)||$91|
Generally speaking, people who are married will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something 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 $14 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$107|
Another factor taken into consideration is your housing situation. Drivers who own property in Gaffney can expect to pay around $17 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average premiums.
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 choosing an insurance provider.
In Gaffney, the rates for car insurance had been decreasing from 2016-2017, but began to increase in 2020. This trend has continued through 2021 when rates have most recently reached $107 per 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 will consider when choosing how much to charge for a monthly rate. While we already mentioned the ones that affect your personal policy, others are influenced by where you live and drive. These include things like:
- Amount of off-street parking
- Road Safety (frequency of car accidents)
- Area crime rates
- Regional regulations
- Total number of drivers in the region
An awareness of these factors is important 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 Gaffney?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Luckily, Compare.com will handle the heavy lifting for you. Put in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer policies in Gaffney.
Gaffney Insurance FAQs
What factors affect car insurance quotes in Gaffney?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Gaffney different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, parking situations, and crime rates -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Gaffney?
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 by using 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. 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 Gaffney 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?