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How much is car insurance in Hardeeville?
|Area||Average Monthly Car Insurance Premium|
As you can see, car insurance policies across the rest of South Carolina are about $6 a month cheaper than the rates drivers pay in Hardeeville.
Similarly, drivers in Hardeeville may pay higher rates than the rest of the country. It's about $29 more expensive for coverage in Hardeeville than the average rates for the U.S. as a whole.
These may be the average auto insurance rates for Hardeeville, but that doesn't mean it's exactly 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. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't sweat it however, we've broken down the average rate for Hardeeville 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 for your area, simply enter your ZIP below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. That experience can lead to some serious savings when it comes to car insurance rates. As you can see, 18-24-year-olds pay $107 more than someone who is retirement aged.
You can expect to see your monthly premium drop about once a decade or so. Drivers in Hardeeville may see their rates climb back up a bit once they hit retirement.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. In Hardeeville, however, the difference in monthly policy premiums is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. Drivers in Hardeeville with a single accident will pay around $176 a month. Similarly, drivers with one ticket will typically pay around $141 on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. Remember, the safer you are as a driver, the cheaper your car insurance will be.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$82|
|15 Years or Older||$120|
The most affordable vehicles to insure in Hardeeville are typically trucks and vans, which run about $88 per month.
Car owners can expect to pay an average of around $115 a month for their policy, while SUVs usually cost around $108 a month to insure.
Your vehicle's age also plays a role in your monthly payment. 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 rates drop back down a bit. In Hardeeville, the most expensive vehicles to insure are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$119|
Generally speaking, those who are currently married will pay slightly less for car insurance. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Hardeeville can be as much as $19 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$117|
Your housing status is another factor that affects your monthly rate. The average rates for both homeowners and renters in Hardeeville are around $111 per month.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Hardeeville, SC
Recent trends in car insurance for Hardeeville drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before shopping for coverage.
The cost of car insurance in Hardeeville went up from 2017-2020, before leveling out in 2021. Policy premiums finished up in 2022, at $138 a month
How does Hardeeville compare to neighboring areas?
Why are car insurance rates in Hardeeville different from other areas?
Car insurance companies will take into account numerous factors when they're choosing how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around where you live. These include things like:
- Road Safety (total number of local car accidents)
- Total number of drivers in the region
- Area crime rates
- Off-street parking availability
- Regional regulations
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. With the knowledge 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 particular neighborhood.
How can I find the cheapest car insurance in Hardeeville?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
But hold on! Compare.com has you covered. Enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies that offer auto coverage in Hardeeville in no time.
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Hardeeville Insurance FAQs
What factors affect car insurance quotes in Hardeeville?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your credit score, driving record, marital status, and address.
Why is the cost of car insurance in Hardeeville different from other neighboring cities?
Things like local laws, parking situations, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Hardeeville?
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 Hardeeville?
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. 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 Hardeeville 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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