Table of contents
How much is car insurance in Hardeeville?
|Area||Average Monthly Car Insurance Premium|
You can see in the chart above that it's around $9 a month more expensive to insure your vehicle in Hardeeville than it is in the rest of South Carolina.
If you're considering relocating to Hardeeville from out of state, you may want to budget a little extra for your insurance. It's around $28 more expensive to insure your vehicle in Hardeeville compared to the average rate for the rest of the U.S.
These rates may be the average amount residents of Hardeeville pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.
Don't worry, we've done the work for you and broken down average rates for Hardeeville to help you get a more accurate idea of what you'll be charged for your policy. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. That experience pays off when it comes to auto insurance. As you can see, 18-24-year-olds pay twice as much as 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 age, your rates may climb back up in Hardeeville.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. In Hardeeville, although women do pay slightly less on their monthly auto insurance coverage, the cost is about the same for either group.
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 much lower rates than those with infractions. In Hardeeville, drivers with one accident on their record will experience rates around $184 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $239.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$82|
|15 Years or Older||$116|
According to the first table above, trucks and vans are by and large the cheapest vehicles to insure in Hardeeville, with drivers paying around $71 per month for insurance coverage.
Car owners can expect to pay an average of around $112 a month for their policy, while SUVs usually cost around $107 a month to insure.
You may also see different rates based on how old your vehicle is. Generally, newer vehicles are going to cost the most 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 Hardeeville are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$117|
Overall, car insurance is slightly cheaper for married policyholders. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Hardeeville is no exception, with the difference totaling to around $22 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$117|
Your housing status is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $3 less than homeowners in Hardeeville. But if you live with your parents, you can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Hardeeville, SC
Recent trends in car insurance for Hardeeville 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.
The rates for auto insurance in Hardeeville went up consistently from 2016-2020. Rates finished down in 2021, at $120.
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 a lot of factors when they're figuring out how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around your home address. These include things like:
- Community regulations
- Crime rates
- Amount of drivers in the area
- Availability of off-street parking
- Frequency of car accidents
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Hardeeville?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But wait! Compare.com will handle the heavy lifting for you. Put 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 Hardeeville.
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 gender and age, as well as your driving record, address, credit score, and marital status.
Why is the cost of car insurance in Hardeeville different from other neighboring cities?
Crime rates, parking situations, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Hardeeville?
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 Hardeeville?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
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 Hardeeville 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.