Irmo, SC Car Insurance

On average, Irmo drivers pay around $99 a month for their car insurance. We cover plan rates, policies and more in our guide below.
What should residents of Irmo expect to pay for their car insurance? Compared to their surrounding area, how do rates in Irmo stack up? What about against the rest of South Carolina? 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$99
SC$104
United States$81

Compared to the rest of the South Carolina, coverage in Irmo is about $5 a month cheaper.

Drivers relocating the Irmo should take note of the differences in average rates. It's around $18 more expensive for coverage in Irmo than the average rates seen in the rest of the U.S.

Although these are the average rates for auto insurance in Irmo, that doesn't mean it's exactly what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.

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 getting the cheapest rate, just enter your ZIP Code below and find out in minutes!

See what you'll pay in just minutes

Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$163
25-34$91
35-44$101
45-54Not Enough Data
55-64$66
65+$71

Generally, the older you are, the more experienced you are on the roads, right? That experience pays off when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay two times the price that drivers 65 and older.

As you get older, you can expect to see a drop in your monthly premium every 10 years. As you get closer to retirement age, however, you may see your rates climb back up a bit in Irmo.

Average Car Insurance Rates by Gender

Gender Average
Male$93
Female$104

Although women typically pay less than men do for auto insurance, this is not the case in Irmo, where female drivers pay around $104 per month while male drivers pay about $93.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$138
Multiple Accidents$223
1 Ticket$130
Multiple Tickets$152

Rates can change drastically depending on your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In Irmo, a driving record with one accident will usually get you a rate around $138 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $130.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$88
2-3 Years$76
4-5 Years$101
6-7 Years$70
8-10 Years$83
11-14 Years$117
15 Years or Older$106

In terms of affordable coverage, the cheapest vehicles to insure in Irmo are usually trucks and vans, at $88 per month.

SUV drivers will see rates of about $101 to insure their car, while car owners by and large pay around $100 per month.

Depending on the age of your vehicle, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is a few years old. In Irmo, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$106
Married$88
Divorced$66
Widowed$78

More often than not, married policyholders will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

The cost of auto insurance in Irmo reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $18 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$84
Rent$103
Live with parents$150

Another factor that comes into play is your living situation. Homeowners in Irmo can expect to pay around $19 a month less than those who rent. 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 car insurance premiums, depending on your insurance company.

Car Insurance Companies in Irmo, SC

Recent trends in car insurance for Irmo drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending when selecting an auto insurance policy.

The rates for auto insurance in Irmo increased from 2017-2018, before declining from 2019-2020. They finished down in 2022 at $104.

How does Irmo compare to neighboring areas?

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

Car insurance companies will take into account a number of factors when they're deciding how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around where you park your car. These include things like:

  • Off-street parking accessibility
  • Total number of drivers in the community
  • General road safety (how many accidents each locality has)
  • Regional laws
  • Crime

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Irmo?

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.

Fortunately, Compare.com has you covered. Just put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies offering policies in Irmo in no time.

Compare the cheapest quotes from dozens of insurance companies

Irmo Insurance FAQs

What factors affect car insurance quotes in Irmo?

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 credit score, address, marital status and driving record.

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

Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates 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?

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 Irmo?

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 Irmo 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?

Find your best rate in just a few minutes