Table of contents
How much is car insurance in Goose Creek?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies across the rest of South Carolina are about $28 a month cheaper than the rates drivers pay in Goose Creek.
Likewise, residents of Goose Creek might expect to pay higher rates for coverage than the rest of the country. Coverage in Goose Creek is about $47 more expensive than it is for the rest of the U.S.
Although these are the average monthly costs for an auto insurance policy in Goose Creek, that doesn't mean it's exactly what you'll pay. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. 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 Goose Creek so that you can get a more accurate idea of what your monthly bill might be. 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|
It's pretty safe to assume that the older you are, the longer you've been driving. It also makes sense that the more experienced of a driver you are, the safer you are. As you can see, 18-24-year-olds pay two times as much as drivers of retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. Goose Creek drivers may see their rates climb back up once they hit retirement age.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. The difference in average rates in Goose Creek totals about $19 per month. Based on the chart above, you can see that female drivers pay around $119 on average, while male drivers typically pay $138 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Drivers with clean records can expect to pay less than those with accidents or violations. In Goose Creek, a driving record with a single accident will usually get you a rate around $185 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $217.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$175|
|15 Years or Older||$129|
According to the first table above, trucks and vans are by and large the cheapest vehicles to insure in Goose Creek, with drivers paying around $108 per month to insure their vehicle.
Car owners, on the other hand, usually pay around $130 a month, while SUV drivers can expect to pay about $125 per month for insurance coverage.
Your rates can also vary depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is around 5 years old. In Goose Creek, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$136|
Generally speaking, married policyholders will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something many companies award special discounts for.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Goose Creek as well, where the difference is around $27 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$170|
Another factor taken into consideration is your housing situation. If you rent your home or apartment in Goose Creek, expect to pay around $17 a month more than if you own your home. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Goose Creek, SC
Recent trends in car insurance for Goose Creek drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before picking an insurance policy.
Auto insurance rates in Goose Creek have been steadily increasing, reaching a high of $179 in 2021.
How does Goose Creek compare to neighboring areas?
Why are car insurance rates in Goose Creek different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. The specifics of where you live and drive will have an impact on your personal policy. This might include things like:
- Regional laws
- Road safety
- Amount of off-street parking
- Total amount of drivers in the community
- Regional crime rates
An awareness of these factors is important 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 Goose Creek?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
But hold on! Compare.com will handle the heavy lifting for you. Just type in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering auto coverage in Goose Creek.
Goose Creek Insurance FAQs
What factors affect car insurance quotes in Goose Creek?
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 year, make and model, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Goose Creek 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, crime rates, 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 Goose Creek?
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 Goose Creek?
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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Goose Creek or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.