Table of contents
How much is car insurance in Hartsville?
|Area||Average Monthly Car Insurance Premium|
As you can tell from the chart above, the cost of coverage in Hartsville is about $5 a month more expensive than the rest of South Carolina.
Similarly, Hartsville residents will likely pay higher rates to insure their vehicle than in the rest of the country. It's about $24 more for coverage in Hartsville than in the rest of the U.S.
While these are the average car insurance rates for Hartsville, you could end up paying something different. There are a variety of factors that car insurance companies assess when determining 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 even your credit score depending on the circumstances.
We've analyzed the average rate for Hartsville and broken down the different factors to help you understand what your policy's monthly premium will be. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel, right? When it comes to auto insurance rates, that experience pays off. According to the table above, you can see that 18-24-year-olds pay two times as much as drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. As you get closer to retirement, however, you may see your rates creep back up a bit in Hartsville.
Average Car Insurance Rates by Gender
Although women typically pay less than men do to insure their vehicle, this is not the case in Hartsville, where female drivers pay around $107 per month while male drivers pay about $98.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Hartsville, a driving record with a single accident will usually get you a rate around $117 a month. In addition, drivers with one ticket can expect to pay around $114 a month on average.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$78|
|15 Years or Older||$91|
The most affordable vehicles to insure in Hartsville are typically trucks and vans, which run about $82 per month.
Car owners will see a monthly bill of about $104, while SUV owners by and large pay around $112 a month.
Your vehicle's age can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. Once your car is close to 5 years old, however, you may see your bill start to shrink a bit. The most expensive vehicles to insure in Hartsville are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$108|
Overall, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Hartsville is no exception, with the difference totaling to around $24 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$137|
Your housing situation is another factor that affects your monthly rate. If you rent your home or apartment in Hartsville, expect to pay around $13 a month more than if you own property. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Hartsville, SC
Recent trends in car insurance for Hartsville drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.
The cost of insurance in Hartsville have been mixed as of late, it declined in 2016, increased in 2018, and decreased again in 2020, before finishing at $111 in 2021.
How does Hartsville compare to neighboring areas?
Why are car insurance rates in Hartsville different from other areas?
Car insurance companies will consider several factors when trying to decide 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:
- Total number of drivers in the area
- General road safety (how many accidents each locality has)
- Regional laws
- Local crime rates
- Off-street parking access
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. 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 Hartsville?
Equipping 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 can handle all of this for you. Just put in your ZIP Code below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from dozens of car insurance companies offering plans in Hartsville.
Hartsville Insurance FAQs
What factors affect car insurance quotes in Hartsville?
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, address, credit score, and marital status.
Why is the cost of car insurance in Hartsville different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Hartsville?
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 Hartsville?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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. 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 Hartsville 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?