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How much is car insurance in Hartsville?
|Area||Average Monthly Car Insurance Premium|
As you can tell by looking at the chart above, auto insurance rates in Hartsville are about the same as the rest of South Carolina.
Similarly, residents of Hartsville might expect to pay higher rates for coverage than the rest of the country. The cost of insuring a vehicle in Hartsville is about $26 more expensive than the average rate for the rest of the U.S.
Bear in mind that while these rates are the average costs for residents of Hartsville, it doesn't mean that's what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. 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 premium.
Don't sweat it however, we've broken down average rates for Hartsville residents so that you can get a more accurate idea of what you might pay. And if you're not sure that you're paying the lowest option, 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|
It makes sense that older drivers would have more experience behind the wheel. That experience can snag you some serious savings when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay $94 more than someone who is at retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. That said, once you hit retirement, your rates may start to rise again in Hartsville.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for car insurance coverage, this is not the case in Hartsville, where female drivers pay around $111 per month while male drivers pay about $100.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Those with clean records can expect to pay much less than those with infractions. The rate for drivers in Hartsville with a single accident on their record is about $132 a month. Likewise, drivers with one ticket will be looking at a rate of around $108 a month on average.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$78|
|15 Years or Older||$98|
If you look at the first table above, you'll see that trucks and vans are usually the cheapest vehicles to insure in Hartsville, with drivers paying around $93 per month for auto insurance coverage.
Car owners can expect to pay an average of around $107 a month for their policy, while SUVs usually cost around $113 a month to insure.
Your vehicle's age has an impact on the cost of your policy as well. Newer vehicles are generally going to be the most expensive to insure. Once your car is around 5 years old, however, your monthly bill may start to dip back down. In Hartsville, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old and eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$110|
Generally, married policyholders will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
In Hartsville, the difference in rates based on relationship status can be as much as $22 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$132|
One other element taken into consideration is your housing status. Those who own their own home in Hartsville can expect to pay around $11 a month less than those who rent. 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 premiums, depending on your insurance company.
Car Insurance Companies in Hartsville, SC
Recent trends in car insurance for Hartsville drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
The rates for auto insurance in Hartsville had been increasing from 2017-2019, before taking a downward turn from 2020-2021. They finished up in 2022 at $131 a month.
How does Hartsville compare to neighboring areas?
Why are car insurance rates in Hartsville different from other areas?
Car insurance companies will take into account several factors when deciding how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by where you call home. These include things like:
- Amount of off-street parking
- Total drivers
- Regional crime rates
- General road safety (how many accidents each locality has)
- Local laws
Having an awareness of these factors is critical 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 Hartsville?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Don't worry, Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering policies in Hartsville.
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Hartsville Insurance FAQs
What factors affect car insurance quotes in Hartsville?
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 driving record, credit score, address, and marital status.
Why is the cost of car insurance in Hartsville different from other neighboring cities?
Parking situations, local laws, and crime rates -- 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 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 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, 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 Hartsville 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.
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