Irmo, SC Car Insurance

On average, Irmo drivers pay a monthly average rate of around $93 for their car insurance. To learn more about what you're likely to pay in the Irmo area, read our guide below.
Compared to their surrounding area, how do rates in Irmo stack up? What about against the rest of South Carolina? How much can residents of Irmo expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Irmo?

Area Average Monthly Car Insurance Premium
Irmo$93
SC$99
United States$80

Based on the chart above, you can see that coverage in Irmo typically costs about $6 a month less than it does in the rest of South Carolina.

Conversely, Irmo residents will likely pay higher rates to insure their vehicle than in the rest of the country. Coverage in Irmo is about $13 more expensive than it is for the rest of the U.S.

While these are the average car insurance rates for Irmo, keep in mind that you could end up paying a different amount. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.

But don't worry, we've broken down average rates for Irmo residents so that you can get a more accurate idea of what you might pay. To find out if you're overpaying for your area, 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 18Not Enough Data
18-24$153
25-34$85
35-44$93
45-54Not Enough Data
55-64$59
65+$69

The older you are, the more experienced you are on the roads. That experience can really work in your favor when it comes to auto insurance. In this case, 18-24-year-olds pay two times the price that someone who is at retirement age.

You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement age, however, your rates may start to rise again in Irmo.

Average Car Insurance Rates by Gender

Gender Average
Male$94
Female$93

On average, female drivers pay slightly less than male drivers for car insurance. In Irmo, although women do pay a bit less on their monthly premiums, the cost is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$122
Multiple Accidents$219
1 Ticket$105
Multiple Tickets$193

One of the biggest factors in determining your car insurance rates is your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Irmo, a driving record with a single accident will usually get you a rate around $122 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $105.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$84
2-3 Years$83
4-5 Years$98
6-7 Years$63
8-10 Years$76
11-14 Years$116
15 Years or Older$90

If you look at the first table above, the cheapest vehicles to insure in Irmo are usually cars, at $90 per month.

SUV owners, on the other hand, by and large pay around $97 per month, while truck and van drivers can expect to pay about $106 a month for auto insurance.

You can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. Once your car is around 5 years old, however, you may see your rates begin to drop back down. The most expensive vehicles to insure in Irmo are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$103
Married$79
Divorced$66
Widowed$78

Overall, people who are married will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Irmo, with married couples paying about $24 less per month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$80
Rent$91
Live with parents$151

One other element taken into consideration is your living situation. Renters can expect to pay around $11 a month more than drivers who own property in Irmo. But if you live with your parents, your rates will be significantly higher.

That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance costs.

Car Insurance Companies in Irmo, SC

Recent trends in car insurance for Irmo 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.

Car insurance rates in Irmo dropped from 2016-2017, before steadying out in 2018. Rates began decreasing again in 2019, and finished up in 2021, at $108.

How does Irmo compare to neighboring areas?

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

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you call home. These include things like:

  • Laws
  • Total drivers
  • Off-street parking availability
  • Rate of car accidents
  • Crime rates

A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.

How can I find the cheapest car insurance in Irmo?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

But hold on! Compare.com has you covered. Put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies offering policies in Irmo in no time.

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Irmo Insurance FAQs

What factors affect car insurance quotes in Irmo?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.

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

Auto insurance companies consider regional factors, such as local laws, crime rates, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

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

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 Irmo?

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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Irmo or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes