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How much is car insurance in Hilton Head Island?
|Area||Average Monthly Car Insurance Premium|
|Hilton Head Island||$84|
Compared to the rest of the South Carolina, coverage in Hilton Head Island is about $20 a month cheaper.
Conversely, residents of Hilton Head Island might expect to pay higher rates for coverage than the rest of the country. It's around $3 more expensive to insure your vehicle in Hilton Head Island compared to the average rate for the rest of the U.S.
While these are the average monthly costs for auto insurance coverage in Hilton Head Island, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.
We've broken down the average rates for Hilton Head Island to help you understand what exactly you might be asked to pay. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally speaking, the older you are, the more experience you have driving, right? That experience can lead to some serious savings when it comes to car insurance premiums. According to the table above, you can see that 18-24-year-olds pay two times as much as someone who is at retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement age, however, your rates may climb back up in Hilton Head Island.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. In Hilton Head Island, the difference is around $7 per month. Based on the chart above, you can see that female drivers pay around $81 on average, while male drivers typically pay $88 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Drivers with clean records will pay much lower rates than those with accidents or violations. In Hilton Head Island, having a single accident on your record will usually get you rates around $98 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $116 on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. 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||$64|
|15 Years or Older||$82|
As you can see in the first table above, the cheapest vehicles to insure in Hilton Head Island are typically cars, which run about $82 per month.
SUV owners can expect to pay an average of around $87 a month for their policy, while truck and van drivers are usually around $86 to insure each month.
Vehicle age also plays a role in your monthly payment. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. In Hilton Head Island, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$90|
Generally, car insurance is slightly cheaper for married policyholders. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, single drivers usually pay more than married couples do for auto insurance. Hilton Head Island follows that pattern, with the difference totaling to around $14 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$86|
Your housing situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $15 a month more than drivers who own property in Hilton Head Island. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Hilton Head Island, SC
Recent trends in car insurance for Hilton Head Island 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 auto insurance coverage in Hilton Head Island had been increasing consistently from 2017 through the present, where they hit $112 a month in 2022.
How does Hilton Head Island compare to neighboring areas?
Why are car insurance rates in Hilton Head Island different from other areas?
Car insurance companies will take into account several factors when figuring out 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:
- Frequency of car accidents
- Total number of drivers in the region
- Crime rates
- Access to off-street parking
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or 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 Hilton Head Island?
While getting familiar with 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.
Fortunately, Compare.com has you covered. Put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies providing policies in Hilton Head Island in no time.
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Hilton Head Island Insurance FAQs
What factors affect car insurance quotes in Hilton Head Island?
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 address, credit score, driving record, and marital status.
Why is the cost of car insurance in Hilton Head Island 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 Hilton Head Island?
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 however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Hilton Head Island?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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 Hilton Head Island 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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