Hopkins, SC Car Insurance

What rates can residents of Hopkins expect to pay for their car insurance? Compared to their surrounding area, how do rates in Hopkins stack up? What about against the rest of South Carolina? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:

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How much is car insurance in Hopkins?

As you can see in the chart above, it is around $8 a month more expensive to insure your vehicle in Hopkins than it is in the rest of South Carolina.

The average cost of insuring your vehicle in Hopkins is above the national rate. Coverage in Hopkins is about $31 more expensive than it is for the rest of the U.S.

Although these are the average monthly costs for an auto insurance policy in Hopkins, 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 to insure your vehicle. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.

But don't worry, we've broken down the average rate for Hopkins residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

It makes sense that older drivers would have more experience behind the wheel, right? When it comes to auto insurance rates, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay significantly more than someone who is retirement aged.

You can expect to see your monthly premium drop every 10 years or so. Drivers in Hopkins may see their rates creep back up once they hit retirement age.

Average Car Insurance Rates by Gender

In general, car insurance rates for women are usually cheaper than they are for men. This is true in Hopkins, where women pay around $6 less per month. Looking at the table above, you can see that female drivers pay around $110 on average, while male drivers typically pay $116 each month.

Average Auto Insurance Rates by Driving Record

Your driving record can have a huge impact on your car insurance rates. Drivers with clean records will pay much lower rates than those with accidents or violations. Drivers in Hopkins with a single accident will pay around $112 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $104 on average.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

According to the first table above, the cheapest vehicles to insure in Hopkins are by and large trucks and vans, at $97 per month.

SUV drivers will see rates of about $104 for insurance coverage, while car owners usually pay around $116 a month.

Your rates can also vary depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old however, your rates may start to dip back down a bit. The most expensive vehicles to insure in Hopkins are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Overall, married policyholders will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

On a national scale, single drivers typically pay more than married couples do for auto insurance. Hopkins is no exception, with the difference totaling to around $44 a month.

Average Car Insurance Rates by Housing Situation

Another factor that comes into play is your living situation. If you rent your home or apartment in Hopkins, expect to pay around $4 a month more than if you own your home. But those who live at home with their parents can expect to pay significantly more.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average premiums, depending on your insurance company.

Car Insurance Companies in Hopkins, SC

Recent trends in car insurance for Hopkins drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

The rates for auto insurance in Hopkins went up from 2017-2018, before steadying out in 2019. They finished up in 2022, at $140 per month

How does Hopkins compare to neighboring areas?

Why are car insurance rates in Hopkins different from other areas?

When considering how much to charge for a monthly rate, car insurance companies will consider many factors. While we've discussed the ones that affect your personal policy, others are based around where you live. These include things like:

• Total number of drivers in the region
• Road Safety (frequency of local car accidents)
• Regional crime rates
• Off-street parking access
• Community regulations

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 cities and towns will each have different rates, so guides like these are a handy way to learn more.

How can I find the cheapest car insurance in Hopkins?

In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.

Don't worry, Compare.com will handle the heavy lifting for you. Just punch in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering auto coverage in Hopkins.

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Hopkins Insurance FAQs

What factors affect car insurance quotes in Hopkins?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your driving record, address, credit score, and marital status.

Why is the cost of car insurance in Hopkins different from other neighboring cities?

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, crime rates, and parking situations when calculating your quote -- all of which can change from city to city.

Which car insurance company will offer me the cheapest rate in Hopkins?

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 Hopkins?

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 Hopkins 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?