Table of contents
How much is car insurance in Hilton Head Island?
|Area||Average Monthly Car Insurance Premium|
|Hilton Head Island||$81|
Based on the chart above, you can see that it's about $18 a month cheaper to insure your vehicle in Hilton Head Island than it is in the rest of South Carolina.
That being said drivers in Hilton Head Island may pay higher rates than the rest of the country. The cost of auto coverage in Hilton Head Island is about $1 more expensive than the national average.
Although these are the average rates for auto insurance in Hilton Head Island, that doesn't mean it's exactly what you'll pay. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. 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 analyzed the average rate for Hilton Head Island and broken down the different factors to help you understand what exactly you might be asked to pay. 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. It also makes sense that the more experienced of a driver you are, the safer you are. 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.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Having said that, once you approach retirement your rates may creep back up a bit in Hilton Head Island.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. Male and female drivers in Hilton Head Island, however, both pay around $81 a month for car insurance.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Hilton Head Island, a driving record with one accident will usually get you a rate around $97 a month. In addition, drivers with a single ticket on their record can expect to pay around $118 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$64|
|15 Years or Older||$77|
According to the first table above, the cheapest vehicles to insure in Hilton Head Island are typically cars, at $80 per month.
SUV owners can expect to pay an average of around $81 a month for their policy, while truck and van drivers are usually around $83 to insure each month.
You may also see different rates based on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Hilton Head Island, the most expensive vehicles to insure are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$86|
Generally, 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.
The cost of auto insurance in Hilton Head Island reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $10 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$88|
One other element taken into consideration is your housing status. If you rent your home or apartment in Hilton Head Island, expect to pay around $15 a month more than if you own property. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Hilton Head Island, SC
Recent trends in car insurance for Hilton Head Island drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
In Hilton Head Island, the rates for auto insurance declined from 2016-2017, when they reached a low of $71. This leveled out in 2018, when policy premiums began to increase. They hit a high of $91 in 2020, and finished at $84 in 2021.
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. While we already talked about the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Off-street parking availability
- Total number of drivers in the community
- Rate of crime
- Road Safety (how many accidents each locality has)
- Regional laws
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. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Hilton Head Island?
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.
Good news! Compare.com can handle all of this for you. Put in your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from dozens of car insurance companies providing auto coverage in Hilton Head Island.
Hilton Head Island Insurance FAQs
What factors affect car insurance quotes in Hilton Head Island?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Hilton Head Island different from other neighboring cities?
Parking situations, crime rates, 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 Hilton Head Island?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Hilton Head Island?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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 time, regardless of how long is left on your current policy. So, if you've recently moved to Hilton Head Island or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.